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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, payroll, supplier invoices and more. You can view the full list of accepted payments here.

When you use a credit card to make a payment, your recipient still gets paid on time, while you defer the actual outflow of your cash until your card bill is due. This lets you gain up to two months of extended payment terms.

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, including for payments such as payroll premiums and rent.