--- title: Shift life expenses onto your cards and earn rewards | CardUp description: Earn miles, points and cashback on payments currently made by cash, cheque or bank transfers, even where credit cards are not accepted. --- [Skip to content](https://www1.cardup.my/personal/discover/make/telegram#main-content) [![CardUp logo](https://www1.cardup.my/hs-fs/hubfs/CardUp%20Logos/carduplogostraightpurple-Cropped.png?width=103&height=32&name=carduplogostraightpurple-Cropped.png "CardUp logo")](https://www1.cardup.my/?hsLang=en-gb) [![CardUp logo](https://www1.cardup.my/hs-fs/hubfs/CardUp%20Logos/carduplogostraightpurple-Cropped.png?width=103&height=32&name=carduplogostraightpurple-Cropped.png "CardUp logo")](https://www1.cardup.my/?hsLang=en-gb) [Personal](https://www.cardup.my/personal/make) | [Business](https://www.cardup.my) MY - English - Hong Kong - Malaysia [Login](https://app.cardup.my/users/sign_in) [Sign Up](https://app.cardup.my/users/sign_up) ## Earn rewards on your personal and business expenses Shift expenses such as rent, insurance, supplier invoices and more onto your credit card even where cards are not accepted. [Get started for free](https://app.cardup.my) [Fill in form](https://www1.cardup.my/personal/discover/make/telegram#form) ![Visa](https://www1.cardup.my/hs-fs/hubfs/Rounded-Visa-2.png?width=50&height=35&name=Rounded-Visa-2.png) ![Matercard](https://www1.cardup.my/hs-fs/hubfs/Mastercard%20Logo%20(1).png?width=50&height=35&name=Mastercard%20Logo%20(1).png) ![Go on your next vacation with CardUp](https://www1.cardup.my/hubfs/vacation-with-CardUp.png) ## Be the first to be informed about our latest products and offers ## Pay virtually expense by card Earn miles, points and cashback on these payment types traditionally not payable by card. ![Rent](https://www1.cardup.my/hubfs/Icons/12417_Brand-Icons_1.-Rent.png) Rent ![Renovation](https://www1.cardup.my/hubfs/renovation-1.png) Renovation ![Mortgage](https://www1.cardup.my/hubfs/12417_Brand%20Icons_1.%20House.png) Mortgage ![Car loan](https://www1.cardup.my/hubfs/Payment-type-car-loan-icon-1%20(1).png) Car loan ![Education](https://www1.cardup.my/hubfs/Payment-type-education-icon%20(1).png) Education ![Insurance](https://www1.cardup.my/hubfs/Payment-type-Insurance-icon.png) Insurance ![Season parking](https://www1.cardup.my/hubfs/Payment-type-season-parking-icon.png) Season parking [See all available payment types](https://cardupmy.zendesk.com/hc/en-us/articles/900002691246-What-can-I-pay-with-CardUp-) ![Illustration of people celebrating rewards with their credit card](https://www1.cardup.my/hubfs/Rewards-%26-Working-Capital-05.png) ## How many air miles can you earn? ##### Pay Nick uses his credit card on CardUp to pay his rent and insurance ##### Earn His card rewards him with air miles and cashback ##### Redeem With the rewards earned, he essentially gets cost savings via cashback, or cheaper flight tickets via the air miles earned! \*CardUp charges a processing fee per transaction, starting from just 2.25% ![Rewards calculator](https://www1.cardup.my/hubfs/13007_Product%20Benefit%20Icons_%2021.%20Rewards-calculator-2.png) ### Calculate your potential rewards Using our handy rewards calculator, estimate the rewards you can earn from your largest expenses. [Check out rewards calculator](https://www1.cardup.my/personal/rewards-calculator?hsLang=en-gb) ## How to pay ![Set up your payments](https://www1.cardup.my/hubfs/2.%20Business%20payment-step-v2%20(2).gif "Set up your payments") ##### **1. Set up your payment** Sign up for free. Enter the payment details. The payment is charged to your card with a small fee. You can pay anyone, even if they don't use CardUp. ![Your recipient gets paid](https://www1.cardup.my/hubfs/General-step-2%20(1).gif "Your recipient gets paid") ##### **2. Your recipient gets paid** Once your payment is scheduled, your recipient receives the funds via bank transfer in as quickly as one business day. ![Sit back and earn rewards](https://www1.cardup.my/hubfs/1.-General-step-3-1%20(2).gif "Sit back and earn rewards") ##### **3. Sit back and earn rewards** Sit back, relax and earn the rewards on your favourite credit cards from these payments. Here's to more miles, points and cashback! [Get started for free](https://app.cardup.my) ## CardUp supports cards from all major banks and issuers ![Affinbank](https://www1.cardup.my/hubfs/Bank%20logos/Affinbank.png) ![Agrobank](https://www1.cardup.my/hubfs/Bank%20logos/Agrobank.png) ![Alliance Bank](https://www1.cardup.my/hubfs/Bank%20logos/Alliance%20Bank.png) ![AmBank](https://www1.cardup.my/hubfs/Bank%20logos/AmBank.png) ![Bangkok Bank](https://www1.cardup.my/hubfs/Bank%20logos/Bangkok%20Bank.png) ![Bank Islam](https://www1.cardup.my/hubfs/Bank%20logos/Bank%20Islam.png) ![Bank of America](https://www1.cardup.my/hubfs/Bank%20logos/Bank%20of%20America.png) ![Bank of China](https://www1.cardup.my/hubfs/Bank%20logos/Bank%20of%20China.png) ![BNP Paribas](https://www1.cardup.my/hubfs/Bank%20logos/BNP%20Paribas.png) ![BSN](https://www1.cardup.my/hubfs/Bank%20logos/BSN.png) ![China Construction Bank](https://www1.cardup.my/hubfs/Bank%20logos/China%20Construction%20Bank.png) ![Citibank](https://www1.cardup.my/hubfs/Bank%20logos/Citibank-1.png) ![CIMB bank](https://www1.cardup.my/hubfs/Bank%20logos/CIMB-1.png) ![HL Bank](https://www1.cardup.my/hubfs/Bank%20logos/HL%20Bank.png) ![HSBC](https://www1.cardup.my/hubfs/Bank%20logos/HSBC-1.png) ![ICBC](https://www1.cardup.my/hubfs/Bank%20logos/ICBC.png) ![Maybank](https://www1.cardup.my/hubfs/Bank%20logos/Maybank.png) ![Mizuho](https://www1.cardup.my/hubfs/Bank%20logos/Mizuho.png) ![MUFG](https://www1.cardup.my/hubfs/Bank%20logos/MUFG.png) ![OCBC Bank](https://www1.cardup.my/hubfs/Bank%20logos/OCBC_Bank_logo_logotype_Singapore.png) ![Public Bank](https://www1.cardup.my/hubfs/Bank%20logos/Public%20Bank.png) ![RHB](https://www1.cardup.my/hubfs/Bank%20logos/RHB.png) ![Standard Chartered Bank Logo](https://www1.cardup.my/hs-fs/hubfs/scb-logo-2021.png?width=150&height=79&name=scb-logo-2021.png) ![UOB](https://www1.cardup.my/hubfs/Bank%20logos/UOB.png) ## Security is at the core of our platform ![PCI-DSS Compliant](https://www1.cardup.my/hubfs/Bank%20logos/pci-dss-compliant.png) Our headquarters are licensed by the Monetary Authority of Singapore (MAS) and keep your data safe with our PCI-DSS compliant and 256-bit encrypted platform. What this means is that our platform meets the highest security standards to ensure that your payments are safe, secure and yours. [Learn how we keep your payments secure](https://www1.cardup.my/security?hsLang=en-gb) ## Have questions about using our platform? #### What payments can I make with CardUp? Our platform lets you shift payments currently made by cash, cheque or bank transfers onto your credit cards, even where cards are not accepted. These include payments such as rent, insurance premiums, school fees, mortgage loans and more. You can view the **[full list of accepted payments here](https://cardupmy.zendesk.com/hc/en-us/articles/900002691246-What-can-I-pay-with-CardUp-)**. #### Will I earn rewards on my credit card for payments made through CardUp? All spend made using a Malaysia-issued card on your CardUp-registered account are eligible for the base earn rate of miles, points or cashback on most credit cards.  This includes all of these **[popular credit cards listed here](https://cardupmy.zendesk.com/hc/en-us/articles/900002720343-Will-my-spend-on-CardUp-earn-rewards-on-my-credit-card-)**. #### How will the rewards earned outweigh the CardUp fee? Rest assured for many credit cards in Singapore, the value of the rewards gained will outweigh our fees. Our **[rewards calculator](https://www1.cardup.my/personal/rewards-calculator?hsLang=en-gb) **will help you calculate the miles or cashback earned based on the credit card used and amount spent.  ![Maximise your credit card rewards today](https://www1.cardup.my/hubfs/Website-Images-personal-endCTA-1.webp) ### Maximise your credit card rewards today Join the tens of thousands of customers who have already earned millions of air miles with CardUp [Sign up for free](https://app.cardup.my) [Contact us](https://www.cardup.my/about#tagcontact) #### Company - [About Us](https://www1.cardup.my/about) - [Press](https://www.cardup.co/press) - [Security](https://www1.cardup.my/security) - [Careers](https://www.cardup.co/careers) - [Terms of Service](https://www1.cardup.my/homes/terms) - [Privacy Policy](https://www1.cardup.my/homes/policy) #### Support - [Pricing for personal payments](https://www1.cardup.my/personal/pricing) - [Pricing for business payments](https://www1.cardup.my/business/make/pricing) - [Pricing for collecting payments](https://www1.cardup.my/business/collect/pricing) - [FAQs](https://cardupmy.zendesk.com/) #### Make payments - [Make a personal payment](https://www1.cardup.my/personal/make) - [Make a business payment](https://www1.cardup.my/business/make) #### Collect payments - [Collect business payments](https://www1.cardup.my/business/collect) #### Payment types - [Rent](http://www.cardup.my/blog/personal/paying-rent-with-credit-card) - [Payroll](http://www.cardup.my/blog/business/payroll-payments-cardup) - [Supplier invoices](https://cardupmy.zendesk.com/hc/en-us/articles/900002691246-What-can-I-pay-with-CardUp-) - [See all payment types](https://cardupmy.zendesk.com/hc/en-us/articles/900002691246-What-can-I-pay-with-CardUp-) #### Stay connected #### Get in touch **[hellomy@cardup.co](mailto:hellomy@cardup.co)** **[mailto:hellomy@cardup.co](mailto:hellomy@cardup.co)** Press: [**media@cardup.co**](mailto:media@cardup.co) **+60 16 699 9396** #### Stay updated Subscribe to our mailing list to get updates on our latest promos and news. ![carduplogostraightwhite_solid shadow](https://www1.cardup.my/hubfs/carduplogostraightwhite_solid%20shadow.png) © 2026 CardUp Malaysia Sdn Bhd. All Rights Reserved.