Great Deal: Get S$20 eCapitaVoucher With First Payment on CardUp
From 10th November 2023 to 26th December 2023, make your first payment with CardUp of at least S$2,000 and you can get S$20 eCapitaVoucher. Remember to use code SETHISFY for your first transaction and get S$30 off the transaction fees! And yes, both promos work together.
Have yet to start using payment services like CardUp to pay your bills? You’re missing out on getting rewards on transactions like income tax and mortgage so this promo should hopefully get you started. Already an existing user? There is also something for you.
Promo details
To qualify, you need to be a user who have yet to make any payment with CardUp. The payment needs to reach your recipient by 29th December 2023 in order for you to receive S$20 eCapitaVoucher. You should thus schedule your payment before 6PM on 26th December 2023 as CardUp requires 3 business days to process the payment.
If you missed this deadline, you can also set a next-day payment before 6PM on 28th December 2023. This requires additional 0.3% fee.
CardUp will send the voucher to eligible users by 10th January 2024.
CardUp
Pay for things that don’t accept credit cards and earn points or cashback. See the guide here.
🎁 New Users
Use code SETHISFY for reduced fee of 2.3% on the first personal payment¹ (up to S$5,000)
⚠️ Terms and Conditions
For reference only; refer to exact details in terms and conditions
Get cashback or miles on top of the eCapitaVoucher
The typical transaction fee of CardUp is 2.6%. This means that a transaction amount of S$2,000 will incur S$52 of fees. Using code SETHISFY gets you S$30 off the fee.
You would therefore pay a fee of S$22 on a S$2,000 transaction. With a 1.4 miles per dollar card, you can get around 2,830 miles from this transaction. This means you have bought miles for 0.78 cents which is very good value.
If you factor in the S$20 eCapitaVoucher, you are essentially paying S$2 for 2,830 miles which is a steal.
For cashback users, using a card like Bank of China Family Card means you will pay S$22 for S$25 of cashback and the S$20 eCapitaVoucher. You could alternatively make a first transaction of around S$800 to get S$25 of cashback for free (but no eCapitaVoucher since the first transaction is under S$2,000).
How to use CardUp?
Check out the guide:
Existing user promo
All users who transact at least S$10,000 (inclusive of fees) with CardUp during the promo period will also get bonus promo code they can use towards their next payment in January 2024:
| Total Amount Transacted Including Fees | Reward |
| S$10,000 to S$29,999 | Bonus promo code of a 1.65% on up to S$10,000 to be used in January 2024 |
| S$30,000 to S$49,999 | Bonus promo code of a 1.6% on up to S$10,000 to be used in January 2024 |
| S$50,000 and above | Bonus promo code of a 1.55% on up to S$10,000 to be used in January 2024 |
Use payment services to get rewards on your bills
Stop missing out on getting cashback or miles for things like insurance, income tax or even your mortgage. This is an excellent promo to get you started, and of course stay subscribed to get more great deals and personal finance content.
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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