Cashback/Miles for Income Tax? Here’s How!

Tax season is here! Want to get card rewards like cashback or miles on your tax payment? Here’s how!

IRAS states that they do not accept credit card payments, citing high transaction charges imposed by the credit card companies, and they recommend other methods like paying through GIRO, or via AXS.

Method 1 → AXS

Paying via AXS allows you to use a credit card to pay for your income tax, but AXS transactions have been excluded by virtually every single card one can think of.

A notable workaround would be to top up your Grab using Amex True Cashback or UOB Absolute as both give cashback for Grab top ups. Having earned the cashback, you can then spend your Grab credits on AXS payments, and this includes tax payments to IRAS.

Cards to top up Grab

Get 0.3% cashback on Grab top-ups with the UOB Absolute credit card.

Method 2 → Payment services like CardUp

Another method that can give you cashback as well as miles would be to use payment services like CardUp. What happens is that you pay CardUp your tax amount with a credit card, and CardUp will charge you a service fee and transfer the amount to IRAS. You then get rewards on your credit card, provided your card does not exclude such payment services.

Total Charged to Card	$1,026
CardUp Gets (Usual 2.6% Fee)	$26
IRAS Gets	$1,000
You Get	Card Rewards

With this method, your rewards must be higher than the service fee in order for it to make sense. As such, you need to use a card with decent earn rates while decreasing the service fee with promo codes.

For mile cards, this would be akin to buying miles, which can often get you business class tickets cheaper than whatever the airline is selling them for.

Talking about promo codes, here are some you can user for payment services:

Method 3 (2.5, maybe) → Put your income tax on GIRO

When you put your income tax on GIRO, IRAS lets you stretch out the payment for 12 months without interest. This is great for cashflow, and you can actually opt for this, and then pay for your monthly tax payments using either Method 1 or Method 2 described above.

There is a risk of sorts when opting for this, since Methods 1 or 2 might cease to be a thing as the months go by. Grab blocked AXS transactions once before, and though they have since resumed accepting such transactions, who knows if they’d change their minds again.

Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.

He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.

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