
Pay virtually any business expense with your AmBank Credit Card
Improve cash flow by using your approved credit line to pay rent, payroll or your suppliers, even where cards are not accepted.

Shift these payments onto your AmBank Credit Card
and defer your payment till your card bill is due up to 58 days later.

Rent

Supplier Invoice

Payroll
Why make business payments with CardUp?

Keep more cash on hand
Defer payments by up to 58 days when you pay by card. CardUp is cheaper and faster than many other financing tools.

Digitise and automate
Save up to 50% of your time by easily automating your payables with our invoice tools. No training or tech skills required.

Earn rewards
Earn miles, points or cashback on business expenses you're already paying for.
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How does using your AmBank Credit Card free up cash on hand?
Receive invoice
Sam receives an invoice from his supplier
Pay recipient
He charges the invoice amount to his AmBank Credit Card via CardUp and applies a promo code to enjoy a 1.2% fee. His supplier receives the payment on time via a bank transfer
Delay payment
His credit card statement arrives at the start of the next month. Sam pays off his statement when it is due, extending his invoice payment terms by up to 58 days, interest-free!
Getting started
1. Fill in the form
Click here to register your interest and an email containing the promo code will be sent to you.
2. Sign up and setup payment
Create an account for free. Input your recipient's payment information and enter your AmBank Credit Card details.
3. Enjoy the convenience
Your card will be charged and your recipient will receive the payment via bank transfer within 3 business days.
CardUp charges a processing fee of 1.2% (usual price 2.25%) to enable payments in places where cards are not accepted. To enjoy the discounted fee, click here.

AmBank Credit Card Promotion
Enjoy 1.2% fee (u.p. 2.25%) on your business payments. Unlock up to 58 days of interest-free cash and earn credit card rewards.
We'll send the promo code to your email shortly.
The promotion is valid from now till 30 June 2023. Terms and conditions apply.
Have questions about using CardUp for your payments?
What are the terms & conditions of the AmBank Credit Card Promotion?
- AmBank Cardholders who have signed up for a CardUp Business account (“Users”) are eligible to enjoy the 1.2% discounted fee for all payments from now till 30 June 2023 ("Promotion") made with an AmBank Credit Card, in accordance with the following Terms & Conditions.
- To enjoy the Promotion, Users have to enter the Promo Code during the “Schedule Payment” process when setting up payment details on a CardUp Business account and paying with their AmBank Credit Card. The discounted fee for the eligible payments will be reflected before User confirms and submits payment (“Schedule Payment”).
- The Promo Code is only valid on payments scheduled on CardUp from now till 30 June 2023, date inclusive (“Promotion Period”). To enjoy the 1.2% discounted fee, the payment due date must be by 7 July 2023, date inclusive. The payment due date is the last date on which the payment must arrive at the recipient. Payments must be scheduled on CardUp at least 3 business days in advance of the due date to allow for processing time.
- The Promo Code can be redeemed repeatedly per User on a CardUp Business account during the Promotion Period.
To redeem the promo code, fill in the form here. The promo code and the full terms and conditions will be sent to you via email.
What business 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, payroll, supplier invoices and more. You can view the full list of accepted payments here.
How does using my credit card free up my cash flow for 2 months?
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.
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 is eligible for the base earn rate of miles, points or cashback on most credit cards, including for payments such as supplier invoices, payroll and rent.