Spend with your UPay Card and unlock even more rewards.
UPay is officially launching the Scratch & Earn campaign! Starting August 21, 2026, every eligible UPay Card purchase earns you 1 Scratch Card. Scratch the card for a chance to win USDT or UPay Points.
Up to a 70% chance of winning, with rewards of up to 100 USDT per scratch!
The more you spend, the higher your reward tier.
How to Participate
- Make an eligible purchase of 5 USDT or more with your UPay Card;
- Earn 1 Scratch Card for every eligible purchase;
- Scratch the Scratch Card to reveal your result;
- If you win a USDT or Points reward, it will be credited to your UPay account after the result is revealed.
Spend More, Earn More
Scratch & Earn offers different reward tiers based on the amount of each eligible purchase:
| Eligible Purchase Amount | USDT Reward Range | Points Reward |
| ≥ 5 USDT | 0.01 – 0.05 USDT | 1 Point |
| ≥ 50 USDT | 0.10 – 0.50 USDT | 10 Points |
| ≥ 100 USDT | 0.20 – 1 USDT | 20 Points |
| ≥ 500 USDT | 1 – 5 USDT | 100 Points |
| ≥ 1,000 USDT | 2 – 10 USDT | 200 Points |
| ≥ 5,000 USDT | 10 – 50 USDT | 1,000 Points |
| ≥ 10,000 USDT | 20 – 100 USDT | 2,000 Points |
Maximum cash reward per scratch: 100 USDT.
For example:
- A single purchase of 5 USDT qualifies for the ≥ 5 USDT reward tier;
- A single purchase of 500 USDT qualifies for the ≥ 500 USDT reward tier;
- A single purchase of 10,000 USDT or more qualifies for the highest reward tier, with a chance to win 100 USDT.
70% Chance of Winning
All purchase tiers use the same reward probability structure.
| Reward Type | Probability |
| Tier 1 USDT Reward | 49.50% |
| Tier 2 USDT Reward | 3.00% |
| Tier 3 USDT Reward | 2.00% |
| Tier 4 USDT Reward | 0.50% |
| Points Reward | 15.00% |
| Better Luck Next Time | 30.00% |
Each Scratch Card has a 70% overall chance of awarding a USDT or Points reward.
The specific USDT amount and number of Points depend on the reward tier corresponding to the purchase.
Campaign Period
Start Date: August 21, 2026
This campaign is valid on an ongoing basis. If the campaign arrangements change, UPay will issue a separate notice through its official channels.
FAQ:
- What is an eligible purchase?
Campaign rewards apply only to UPay Card purchase transactions that meet the campaign rules.
The following transactions are not eligible purchases under this campaign:
- ATM cash withdrawals;
- Card issuance-related fees;
- Card delivery fees;
- Refunded transactions;
- Transactions that UPay determines to be ineligible based on risk controls, compliance requirements, or the campaign rules.
Other ineligible transaction types are subject to UPay’s system determination.
- How are rewards distributed?
USDT rewards: Any USDT reward won will be credited to the eligible UPay account.
Points rewards: Any Points won will be credited to the user’s account. The redemption methods, validity period, and specific value of Points are subject to the information displayed in the UPay Wallet App.
- Does every purchase earn a Scratch Card?
You will earn 1 Scratch Card for every eligible UPay Card purchase of 5 USDT or more.
- What happens if a purchase is refunded?
If the original purchase that earned a reward is later refunded, reversed, charged back, or otherwise invalidated, the relevant reward will be canceled or recovered.
Campaign Terms
- This campaign is available only to UPay users who meet the campaign requirements and for eligible UPay Card purchases.
- Each eligible purchase of 5 USDT or more earns 1 Scratch Card.
- Different purchase amounts correspond to different reward tiers. Actual rewards and campaign results are subject to UPay’s system records.
- ATM cash withdrawals, card issuance fees, delivery fees, and other ineligible transactions do not qualify for this campaign.
- If the original purchase is refunded, reversed, charged back, or otherwise invalidated, UPay will cancel or recover any rewards generated by that transaction.
- In the event of split transactions, duplicate transactions, abnormal transactions, fraudulent transactions, arbitrage, or other suspected abuse of the campaign mechanism, UPay reserves the right to disqualify the relevant transactions and cancel or recover the associated rewards.
- Users must not obtain campaign rewards through fraud, misconduct, or any other means that violate the UPay Terms of Service.
- If a Scratch Card or reward is not issued properly due to a system error, network issue, or other exceptional circumstance, users may contact us through UPay’s official customer service channels.
- UPay reserves the right to modify, suspend, or terminate this campaign and its related rules.
Spend. Scratch. Earn.
Turn everyday spending into more chances to earn rewards with every eligible UPay Card purchase.
Use your UPay Card. Spend, scratch, and win rewards!
UPay Scratch & Earn is now live!
