I am a new user of Cardup. Below is my review. Review: Have been contemplating whether to embark on such a platform as I didnt feel secured. However, as more and more banks has stopped issuing points/ rebates for payment to insurance company, I decided to revisit Cardup. After reading up, I am encouraged by lots of reviews that it is indeed quite legit. So my plan is to spread my insurance payments into the different months and try to hit $2000 spending per month (a mixture of cardup for insurance and tax, and retail/ online spendings). I will charge all these to UOB One Card and get $300 cash rebate quarterly. In this way, I will be getting a rebate of 5% - Cardup fee of 2.6% = savings of 2.4%. This is quite decent. Note that for income tax, you can only make a lump-sum payment and monthly instalments is not allowed. By doing so, I do not need to crack my brains on how to spend $500 for my OneAccount to get the bonus interest too, as Cardup is considered an eligible spending. I can then channel my spendings to another credit card for other rebates. By using Cardup, if I spend $2000 consistently for 12 months (which can be quite achievable if you are paying insurance premiums for your family members), you will be getting quite a substantial amount of rebates! Moreover, sometimes, Cardup will have promotional rates, for instance, currently, for rent, there are charging 1.9% fee instead of 2.6% (valid till end Jun 2020) and 2.25% fee on other payments instead of 2.6% (valid till end Jun 2020). This is indeed quite worth it! Use my Cardup promo code PEIFANGC906 to get $20 off your 1st payment if you are keen to explore!