--- title: Shift personal payments onto your cards | 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/make#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) - [Make Payments](https://www1.cardup.my/personal/make) - [Earn Rewards](https://www1.cardup.my/personal/rewards) - [Pricing](https://www1.cardup.my/personal/pricing) - Company - [About Us](https://www1.cardup.my/about) - [Contact Us](https://www.cardup.my/about#tagcontact) - [Blog](http://www.cardup.my/blog) - [Referral program](https://www1.cardup.my/refer) - [Partners](https://www1.cardup.my/partners) - [Press](https://cardup.co/press) - [Security](https://www1.cardup.my/security) - [Terms of Service](https://www1.cardup.my/homes/terms) - [Privacy](https://www1.cardup.my/homes/policy) - [Careers](https://www.cardup.co/careers) - [Help Center](https://cardupmy.zendesk.com) - [Login](https://app.cardup.my/users/sign_in) - [Sign Up](https://app.cardup.my/users/sign_up) MY - English - Hong Kong - Malaysia [Login](https://app.cardup.my/users/sign_in) [Sign Up](https://app.cardup.my/users/sign_up) [![CardUp is now part of Funding Societies](https://www1.cardup.my/hubfs/finalised-acquisition-banner.png)](http://www.cardup.my/blog/funding-societies-acquires-cardup-drives-payments-expansion) [Learn more](http://www.cardup.my/blog/funding-societies-acquires-cardup-drives-payments-expansion) # Turn life's expenses into life experiences Earn miles, points & cashback on payments currently made by cash, cheque or bank transfers, even where credit cards are not accepted. [Get started for free](https://app.cardup.my/users/sign_up) [View offer](https://www1.cardup.my/personal/make#form) ![Visa](https://www1.cardup.my/hs-fs/hubfs/Rounded-Visa-2.png?width=60&height=42&name=Rounded-Visa-2.png) ![Matercard](https://www1.cardup.my/hs-fs/hubfs/Mastercard%20Logo%20(1).png?width=60&height=42&name=Mastercard%20Logo%20(1).png) ![UnionPay](https://www1.cardup.my/hs-fs/hubfs/Rouned-UnionPay-1.png?width=60&height=42&name=Rouned-UnionPay-1.png) ![Reference of payment types available in CardUp Malaysia platform.](https://www1.cardup.my/hubfs/MY%20B2C%20(1)-1.png) ## Pay virtually any of life's expenses 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(2).png) Education ![Insurance](https://www1.cardup.my/hs-fs/hubfs/12417_Brand%20Icons_4.%20Insurance.png?width=75&name=12417_Brand%20Icons_4.%20Insurance.png) Insurance ![Season parking](https://www1.cardup.my/hs-fs/hubfs/Payment-type-season-parking-icon%20(1).png?width=75&name=Payment-type-season-parking-icon%20(1).png) Season parking ![Property Maintenance](https://www1.cardup.my/hs-fs/hubfs/Icons/12417_Brand%20Icons_11.%20Cleaning%20services.png?width=75&name=12417_Brand%20Icons_11.%20Cleaning%20services.png) Property Maintenance ![Helper Salary](https://www1.cardup.my/hs-fs/hubfs/Icons/12417_Brand%20Icons_2.%20Payroll.png?width=75&name=12417_Brand%20Icons_2.%20Payroll.png) Helper Salary ![Income Tax](https://www1.cardup.my/hs-fs/hubfs/Icons/12417_Brand%20Icons_9.%20Tax.png?width=75&name=12417_Brand%20Icons_9.%20Tax.png) Income Tax [See all available payment types](https://cardupmy.zendesk.com/hc/en-us/articles/900002691246-What-can-I-pay-with-CardUp-) ## How it works ![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. ![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) [View offer](https://www1.cardup.my/personal/make#form) ## Wondering how much CardUp can help you save on your next flight? Use our free rewards calculator to see how much miles you can earn! [![Rewards Calculator >](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/8101282/5037649b-04ee-444c-99e9-3ca451da0507.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/8101282/5037649b-04ee-444c-99e9-3ca451da0507) ![1000x400](https://www1.cardup.my/hs-fs/hubfs/1000x400.png?width=400&height=160&name=1000x400.png) ## Are you new here? Let us send you our **latest promo code** and tips to getting started!We are more than happy to help you unlock card rewards on all your life's expenses. ## 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) #### Want to use CardUp for your business expenses? We've got your payroll, supplier invoices and more covered. Let's get down to business. [Learn more](https://www1.cardup.my/business/make?hsLang=en-gb) [Sign up for business](https://app.cardup.my/business/sign_up) ## The smartest way to earn more rewards MAKING PAYMENTS ### Earn more rewards on more payments Shift your cash and cheque payments onto your credit cards with CardUp, even if your recipients do not accept cards. This lets you rack up miles, points cashback on payments you're already making. [Calculate how much you can earn >](https://www1.cardup.my/personal/rewards-calculator?hsLang=en-gb) ![Making payments](https://www1.cardup.my/hubfs/Home-5a-value-prop-earn-rewards-2%20(1).gif) ![Recurring payments](https://www1.cardup.my/hubfs/Home-5b-value-prop-recurring-payment-2-1.gif) RECURRING PAYMENTS ### Set up once, earn on repeat Weekly, monthly or even fortnightly payments? Easily schedule a year's worth of payments in minutes and never worry about late payment fees again. Sit back, relax and watch your rewards roll in. [See how to set up a payment](https://cardupmy.zendesk.com/hc/en-us/articles/900005952246-How-do-I-schedule-a-payment-) REFERRAL PROGRAM ### Share your love of card rewards Get up to RM12,000 off your CardUp fees when you refer friends or businesses to our platform. They get up to RM600 off their first payment and also start earning credit card rewards where they couldn't previously! [Learn more](https://www.cardup.my/refer) ![Referral program](https://www1.cardup.my/hubfs/Refer-a-friend-program-2-1.gif) ## 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) ## Even more features to transform the way you pay ![Dashboard monitoring](https://www1.cardup.my/hs-fs/hubfs/13007_Product%20Benefit%20Icons_20%20(2).webp?width=75&name=13007_Product%20Benefit%20Icons_20%20(2).webp) #### Dashboard monitoring See all past and upcoming scheduled payments on one page ![Real-time updates](https://www1.cardup.my/hs-fs/hubfs/13007_Product%20Benefit%20Icons_11.webp?width=75&name=13007_Product%20Benefit%20Icons_11.webp) #### Real-time updates Receive payment status updates and alerts via email and SMS ![Manage multiple cards](https://www1.cardup.my/hs-fs/hubfs/13007_Product%20Benefit%20Icons-Add%20multiple%20cards.webp?width=75&name=13007_Product%20Benefit%20Icons-Add%20multiple%20cards.webp) #### Manage multiple cards Add multiple cards and choose the right card for each payment type ![Rewards calculator](https://www1.cardup.my/hs-fs/hubfs/13007_Product%20Benefit%20Icons_%2021.webp?width=75&name=13007_Product%20Benefit%20Icons_%2021.webp) #### Rewards calculator Calculate the rewards you can earn for different card types [Go now](https://www1.cardup.my/personal/rewards-calculator?hsLang=en-gb) ![Reliable support](https://www1.cardup.my/hs-fs/hubfs/13007_Product%20Benefit%20Icons_12.webp?width=75&name=13007_Product%20Benefit%20Icons_12.webp) #### Reliable support Get friendly support from our team every step of the way [Get in touch](https://www.cardup.my/about#tagcontact) ## 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.