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Terms and Conditions: 1.3% fee offer for business payments

Eligibility to utilise Promo Code "BIZ13":

  1. All CardUp business account holders (“User”) are eligible to enjoy 1.3% discounted fees on business payments (“Offer”), in accordance with the following terms and conditions.

  2. The Offer is valid
    (a) for unlimited redemption per User on all one-off or recurring payments
    (b) on all business payment categories
    (c) with Malaysia-issued Visa, Mastercard and UnionPay cards
    (d) on payments scheduled on or before 31 January 2026, before 6pm (MYT) ("Offer Period")

  3. Payment Set Up
    (a) The payment due date must be on or before 5 February 2026 ("Last Due Date"). The payment due date is the last date the payment must arrive at the recipient. The payments must be scheduled at least 3 business days before the due date to allow processing time.

    (b) The User must enter promo code BIZ13 during the “Schedule payment” process when setting up payment details. The discounted fee for the eligible payments will be reflected before the User confirms and submits payment.

    (c) The User is not permitted to prepay or overpay the amount owed to the recipient in accordance with the payment reference documents provided.

  4. Payment Review
    (a) All payments are subject to review and additional documents may be requested to support the review.
    (b) The User must provide all accurate references and documents to support the payment.
    (c) CardUp shall not be held liable for any delays in payment processing resulting from the failure to provide sufficient documentation.

  5. The Offer is not valid
    (a) on any personal payment categories
    (b) on payment set up after Offer Period, or have a due date beyond the Last Due Date
    (c) on payments made with charge card, debit/preloaded cards and credit cards issued outside of Malaysia
    (d) on any additional fees incurred for Next Day payments.
    (e) in conjunction with any other promotions, offers or discounts.

General Terms

  1. CardUp shall be entitled to withdraw or substitute the CardUp credit with items or rewards of similar value at its sole discretion without prior notice and without giving any reason for the same.

  2. CardUp reserves the right to terminate the Promotion, or to vary, delete or add to any of these Terms and Conditions from time to time at its absolute discretion (including without limitation the terms relating to the eligibility of any Participant and the dates of the Promotion).

  3. CardUp’s decision on all matters relating to this Promotion will be final, conclusive and binding on all Participants, and no correspondence shall be entertained. In the event of any inconsistency between these Terms and Conditions and any brochure, marketing or promotional material relating to the Promotion, these Terms and Conditions will prevail.

  4. CardUp, its employees and campaign organisers shall not be liable for any loss, damage, or any injury that may be sustained by the Participant or by any person in connection with the Promotion. Without limiting the foregoing, CardUp is not responsible for the loss of any Promotional Gift for which the Referrer is eligible.

  5. The Participant acknowledges and agrees that the collection, use, storage and disclosure of his/her personal data shall be governed by the terms of CardUp’s Privacy Policy. The Participant shall be responsible for obtaining, and warrants that it has obtained, the consent of the Referee(s) for the provision of the Referee(s) personal data to CardUp, and to the collection, use and storage of such personal data in accordance with CardUp’s Privacy Policy. CardUp may inform the Referee(s) that the Referee’s/Referees’ personal data is collected from the Participant.

  6. The Participant acknowledges and agrees that, in addition to the above-mentioned terms, they must abide by the requirements of CardUp’s general Terms of Service.

  7. "CardUp" refers to CardUp Malaysia SDN. BHD., a company registered in Malaysia.

  8. These Terms of Service, all matters relating to your use of our website at https://www.cardup.my and all matters relating to the use of the CardUp service shall be governed by, and construed in accordance with, the laws of Malaysia. By using the CardUp service you submit to the exclusive jurisdiction of the Courts of Malaysia.