Turn your mortgage, property tax, insurance premiums and condo or MCST fees into Max Miles by paying with PayNow through CardUp.
Available to HeyMax users in Singapore who make one-time PayNow payments from a CardUp Personal account. Payments made by credit card, on a recurring schedule, or from a CardUp Business account do not earn Max Miles.
Earn 0.7 or 4 Max Miles per S$1 on mortgage, property tax, insurance and condo or MCST payments, depending on the reward tier you pick. Your Max Miles will be credited within 10 business days after payment is completed through your CardUp account.
How you earn Max Miles with CardUp
What can I earn Max Miles on?
You earn Max Miles on large household bills that usually earn nothing, when you pay them by PayNow through CardUp.
✅ Mortgage
✅ Property tax
✅ Insurance premiums
✅ Condo & MCST fees
❌ Other payment types for now, including credit card payments, recurring payments, CardUp Business account payments
How many Max Miles do I get?
You choose your earn rate when you set up the payment. Two reward tiers are available.
Standard: 0.7 Max Miles per S$1
Accelerated: 4 Max Miles per S$1
Example: A S$1,000 payment on the Standard tier earns 700 Max Miles.
Do CardUp fees earn Max Miles?
No. Max Miles are calculated on your payment amount only, never on the CardUp fee.
Example: A S$1,000 payment with a S$15 fee earns Max Miles on the S$1,000 only.
Is there a minimum or maximum payment amount?
No. There is currently no minimum or maximum payment amount to earn Max Miles on an eligible payment.
Setting up your payment
How do I set up a payment that earns Max Miles?
Log in to your CardUp Personal account and select Create Payment.
Pick an eligible payment type: mortgage, property tax, insurance, or condo and MCST.
Choose PayNow as your payment method. Credit card is often selected by default, so switch it yourself.
Confirm your HeyMax email address:
Existing HeyMax account: enter the exact email address linked to your active HeyMax account.
New to HeyMax: you can proceed with your preferred email. When rewards are issued, you must register a HeyMax account using this exact email within 90 calendar days to claim your Max Miles.
Select your Max Miles reward tier and complete the payment using the PayNow QR code.
Does my CardUp email need to match my HeyMax email?
No, your two accounts can use different email addresses. What matters is the email you confirm during payment setup, because that is the HeyMax account your Max Miles go to.
Getting your Max Miles
When will my Max Miles be credited?
Your Max Miles are credited within 10 business days after your CardUp payment is successfully completed. Pending or scheduled payments do not earn Max Miles until they finish processing.
Example: If your CardUp payment is completed on 20 August, your Max Miles will be credited by 3 September.
Where do I see my Max Miles?
Your Max Miles appear in your HeyMax balance in the app or on the website. We also email you as soon as they land.
Can I earn Max Miles before I have a HeyMax account?
If you don't have a HeyMax account, you'll receive a confirmation email with a sign-up link once your Max Miles are issued. The email will be sent to the address provided at CardUp checkout.
Sign up within 90 calendar days of that email, using the same email address.
Unclaimed Max Miles are forfeited after 90 days.
Check spam and promotions folders if you do not see the email.
Do my Max Miles expire once they are credited?
No. Credited Max Miles do not expire as long as your HeyMax account stays active. This is separate from the 90 calendar day window that new users have to claim their miles.
Common questions
I entered the wrong email at checkout. Can you move my miles?
I entered the wrong email at checkout. Can you move my miles?
No. Max Miles are credited automatically to the email address submitted during payment setup, and neither HeyMax nor CardUp can retrieve or re-credit them to a different account.
Check the email address carefully before you confirm a payment.
Can I earn Max Miles on more than one payment?
Can I earn Max Miles on more than one payment?
Yes. Every payment that meets the eligibility rules and completes successfully earns Max Miles, with no limit on how many payments you make.
What are the CardUp promo codes for?
What are the CardUp promo codes for?
They discount the CardUp fee, not your Max Miles. CardUp offers a promotional fee on the first 10,000 Max Miles you earn when you enter the code that matches your chosen tier during setup, valid through 31 December 2026.
You still earn Max Miles at your selected rate without a code. For fees, promo codes and your remaining promotional balance, contact CardUp support at [email protected] or through the chat widget at app.cardup.co.
What happens to my Max Miles if my payment is cancelled, returned or refunded?
What happens to my Max Miles if my payment is cancelled, returned or refunded?
You do not earn Max Miles on payments that are cancelled, rejected, returned or refunded. Max Miles are only awarded on payments that complete successfully.
If a payment is later reversed or refunded, any Max Miles already credited may be adjusted or clawed back.
Can Max Miles be reversed after they are credited?
Can Max Miles be reversed after they are credited?
Yes. We may withhold, adjust or reverse Max Miles for refunded or reversed payments, duplicate crediting or system errors, ineligible transactions, fraudulent or suspicious activity, and misuse of the programme.
What if my HeyMax account is restricted or deleted?
What if my HeyMax account is restricted or deleted?
Max Miles can only be credited to an active HeyMax account in good standing. If your account is restricted, inactive or deleted, your rewards may be held or unable to process, so contact HeyMax support to review your account status.
Are there extra Max Miles for new HeyMax users?
Are there extra Max Miles for new HeyMax users?
Yes. New users who register for a HeyMax account through the CardUp download link may receive 200 Max Miles.
See 200 Max Miles for new HeyMax users from CardUp for the details.
Max Miles not showing up?
My Max Miles have not arrived. What should I check?
Run through this checklist once 10 business days have passed since your payment completed:
✅ Payment shows as completed in your CardUp dashboard?
✅ Paid by PayNow, as a one-time payment, from a CardUp Personal account?
✅ Payment type was mortgage, property tax, insurance, or condo and MCST?
✅ Email checked, including spam and promotions, for a reward or sign-up email from HeyMax?
If everything checks out and your miles are still missing, contact HeyMax support with your payment date, amount and the email address you used.
Why might my Max Miles be delayed?
Crediting can take longer than usual for a few reasons.
Weekends and public holidays
Payment verification, review or compliance checks
Incomplete, returned or failed payments
Incorrect HeyMax email given during payment setup
Should I contact HeyMax or CardUp?
It depends on what you need help with.
Contact HeyMax for your account login, missing Max Miles after the crediting timeline, your Max Miles balance, and miles transfers or redemptions.
Contact CardUp for payment setup and status, PayNow issues, fees, promo codes and promotional entitlement, and whether a specific payment qualifies. Reach them at [email protected] or through the chat widget at app.cardup.co.
To reach us, open the HeyMax app, tap Profile, then Contact Support under the Support section. On the website, open Profile, scroll to Support Channels and select Contact support.
Terms
Where can I find the full terms?
The Max Miles Rewards Programme Terms and Conditions for this partnership are published by CardUp under the Legal and Terms section of the CardUp website. Once credited, your Max Miles follow the standard HeyMax terms and policies.