Mari Credit Card
Use Code: 2OJA50ZV
Earn 3% Unlimited Shopee Coins with Mari Credit Card Instant Checkout (until 31 December 2025 only) and 1.7% Unlimited Cashback on eligible card spend
Mari Credit Card Overview:
MariBank is a digital bank licensed by the Monetary Authority of Singapore and a wholly-owned subsidiary of Sea Limited. Mari Credit Card offers 1.7% on local card spend, with no minimum spend and no cashback cap.
Eligibility & Fees:
- Minimum Age: 21 years old and above
- Minimum Annual Income: S$30,000 (Singaporeans or PR)
- Annual Card Fee: None
- For other applicable fees, refer here
Key Benefits:
- Earn 3% Unlimited Shopee Coins with Mari Credit Card Instant Checkout (until 31 December 2025 only)
- Earn 3% Unlimited Cashback on Foreign Currency Spending (until 31 December 2025)
- Earn 1.7% Unlimited Cashback on eligible card spend
- No minimum monthly spend requirement and no maximum cashback cap
- No Annual Card Fee
How to Best Optimise it:
Best Used For Shopee Purchases (Stack with Coins & Vouchers) with Unlimited 5% Shopee Coins Cashback (until 23 January 2025)
- This card is especially great for people who shop a lot on Shopee because the 5% Shopee Coins have no limit. Even if you spend a large amount, like S$1,000 or S$10,000, you’ll still get 5% Shopee Coins. Nowadays, you can find almost anything on Shopee and there are currently no credit cards in Singapore that give you UNLIMITED 5% Shopee Coins!
Here’s how I use Mari Credit Card for my purchases:
See this portable dishwasher that I might purchase for my future home. At the time of writing, it was priced at S$369.
I claimed a 15% cashback voucher on Shopee to get S$40 worth of Shopee Coins from the “Daily Vouchers” section. This voucher allows me to earn a maximum cashback of 4,000 Shopee Coins and requires a minimum purchase of S$50 for home appliances products. Discounts will differ from promo to promo. So do check your Shopee app for the latest voucher drops to get maximum value.
By charging this transaction to my Mari Credit Card using the Mari Credit Card Instant Checkout Pay In Full, I get an additional 5% Shopee Coins i.e. 1,845 Shopee Coins (worth S$18.45). By stacking the voucher cashback and using Mari Credit Card Instant Checkout, I received 5,845 Shopee Coins (worth S$58.45), which is equivalent to 15.8% of the listed price of my home appliance (excluding shipping fee). That’s a huge saving!
Take Note:
After using this for a while, I noticed that you can only redeem a certain amount of coins for a certain price point. For example, I have 306 Shopee Coins, but I can only redeem 147 Shopee coins (= S$1.47) for a S$4.91 item. But if i select a S$12.31 item, I can redeem the full 306 Shopee Coins (S$3.06). At the same time, Shopee Coins will expire at the end of the third month from when they were earned. The good thing is that the Shopee Coins are unlimited and if you are like me who shops a lot on Shopee frequently, then this is not an issue.
Remember to Use the ‘Instant Checkout’ Feature to get the 5% Shopee Coins
- Mari Credit Card has an Instant Checkout feature on Shopee that allows users to perform seamless checkout without having to key in your credit card details. imply sign up for the card and do a one-time linkage of your Mari Credit Card to your Shopee account. Here is the guide, if you need.
- It comes with 2 payment options – (1) Pay In Full, (2) 3x Installments. Only by checking out with ‘Pay In Full’, you can enjoy 5% Shopee Coins!
What to Avoid:
The following actions will not earn you 5% Shopee Coins:
- Checking out via “3x Installments” instead of “Pay In Full” via Mari Credit Card Instant Checkout.
- Manually entering your Mari Credit Card 16- digit number, under the Credit Card/Debit Card payment method. This checkout option will earn you 1.7% cashback instead. These rewards are not stackable.
- Purchasing products under the “Digital Products” catalogue.
Exclusion List:
(a) any top-up or payment of funds to payment service providers, prepaid cards, any prepaid accounts or purchase of prepaid cards/credits, including but not limited to GrabPay, YouTrip, ShopeePay, Singtel Dash, Razer Pay, NETS Flashpay, EZ-Link, and Transit Link); (b) instalment payment plan purchases, preferred payment plans, balance transfer, fund transfer, cash advances, annual fees, interest, late payment charges, all fees charged by MariBank, miscellaneous charges imposed by MariBank (unless otherwise stated in writing by MariBank); (c) any transaction with the transaction description “AMAZE”; (d) any transaction related to cryptocurrencies; (e) payments made via AXS, SAM and eNets; (f) any transaction classified under one or more of the following Merchant Category Codes:
Merchant Category Code | Category |
4784 | Tolls and Bridge Fees |
4829 | Wire Transfer Money Orders |
4900 | Utilities – Electric, Gas, Water, and Sanitary |
5047 | Certain Medical Equipment And Supplies |
5199 | Nondurable Goods Not Elsewhere Classified |
5960 | Direct Marketing – Insurance Services |
6010 | Financial Institutions – Manual Cash Disbursements |
6011 | Financial Institutions – Manual Cash Disbursements |
6012 | Financial Institutions – Merchandises, Services, And Debt Repayment |
6050 | Quasi Cash – Financial Institutions, Merchandise, Services |
6051 | Non-Financial Institutions – Foreign Currency, Money Orders, Stored Value Card/Load, Travelers Cheques, And Debt Repayment |
6211 | Securities – Brokers And Dealers |
6300 | Insurance Sales, Underwriting And Premiums |
6513 | Real Estate Agents And Managers – Rentals |
6529 | Quasi Cash – Remote Stored Value Load – Financial Institute |
6530 | Quasi Cash – Remote Stored Value Load – Merchant |
6534 | Quasi Cash – Money Transfer – Member Financial Institution |
6540 | Non-Financial Institutions – Stored Value Card Purchase/Load |
7349 | Cleaning And Maintenance, Janitorial Services |
7511 | Quasi Cash – Truck Stop Transactions |
7523 | Parking Lots, Parking Meters And Garages |
7995 | Betting, Including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, And Wager At Race Tracks |
8062 | Hospitals |
8211 | Elementary And Secondary Schools |
8220 | Colleges, Junior Colleges, Universities, And Professional Schools |
8241 | Correspondence Schools |
8244 | Business And Secretarial Schools |
8249 | Vocational And Trade Schools |
8299 | Schools And Educational Services Not Elsewhere Classified |
8398 | Charitable And Social Service Organizations |
8651 | Political Organizations |
8661 | Religious Organizations |
8699 | Membership Organizations (Not Elsewhere Classified) For example – art clubs, historical clubs, labor unions |
9211 | Court Costs Including Alimony And Child Support |
9222 | Fines |
9223 | Bail And Bond Payments |
9311 | Tax Payments |
9399 | Government Service Not Elsewhere Classified |
9402 | Postal Services – Government Only |
9405 | U.S. Federal Government Agencies Or Departments |
9754 | Quasi Cash – Gambling – Horse Racing, Dog Racing, State Lotteries |
Is it Worth it:
Advantages:
- No annual fee
- No minimum spend or cap to track
Disadvantages:
- Nerfed earn rate for Shopee Coins from 5% to 3%
Past Buffs/Nerfs:
Nerfs:
- After 23 January 2025, you can no longer earn the 5% Unlimited Shopee Coins Cashback with Mari Credit Card Instant Checkout. With the recent update, it was nerfed down to 3% Unlimited Shopee Coins which is effective until 31 December 2025.
Frequently Asked Questions:
How to redeem cashback: It will automatically offset against the billed amount in the upcoming Card Account Statement cycle.
Final Thoughts:
This is a great credit card for avid Shopee-holic. However, I’m transitioning my Shopee spending to Maybank Family and Friends from Jan 2025 onwards.
💳 Credit cards change their T&Cs every so often and it is difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates to get the most out of your spending.
💡 We believe in always paying our credit card bills on time and in full. It is only by doing that, can we fully maximise our credit card benefits.
