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.
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How to claim
- Download the app from the App Store or Google Play
- Copy the referral code above and enter into the app when prompted
- Sign up with your details
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 1.5% Cashback on your first S$1,500 Foreign Currency Spending with no fx fee
- Earn 1.5% Unlimited Shopee Coins with Mari Credit Card Instant Checkout
- Earn 1.5% 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 Foreign Currency Spend up to S$1,500
Since there is no foreign exchange fee, this card wins hands down in this category.
What to Avoid:
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
- Best card for foreign currency spend
Disadvantages:
- low earn rate
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.
- Now, down to 1.5% unlimited Shopee coins.
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 overseas spend and my top choice in 2026.
💳 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.
