🗓 June 2026 Current Offer
Earn Up to S$80 in New User Rewards with Mari Credit Card
Sign up for the Mari Credit Card using referral code 2DCT80WQ to get S$15 cash credited instantly to your Mari Savings Account. Plus, earn S$30 welcome cashback when you spend S$300 within 30 days, and a S$50 Shopee voucher pack. Valid till 30 June 2026, limited to the first 10,000 successful referrals.
MariBank Credit Card Referral Code 2026: 2DCT80WQ
Looking for a MariBank credit card referral code? Use 2DCT80WQ when signing up for the Mari Credit Card to unlock up to S$80 in new user rewards — including instant cash, welcome cashback, and Shopee vouchers.
The Mari Credit Card has quickly become one of Singapore’s most popular cashback credit cards since its launch. Backed by Sea Group (the company behind Shopee), MariBank offers a digital-first credit card with genuinely competitive rates — and no annual fee, ever.
Disclosure: This page contains a referral code. If you sign up using my code, I may receive a small referral bonus at no extra cost to you. I only recommend products I personally use.
Mari Credit Card Key Features
Here’s what makes the MariBank credit card stand out from other cashback cards in Singapore:
| Feature | Details |
|---|---|
| Cashback Rate | 1.5% unlimited cashback on all local and overseas spend |
| Annual Fee | S$0 — no annual fee, permanently |
| Minimum Spend | None required to earn cashback |
| Foreign Exchange Fee | 0% FX markup — uses Mastercard wholesale rate |
| Overseas Cashback Cap | 1.5% cashback on up to S$1,500 overseas spend per month |
| Cashback Crediting | Instant — posted when transaction clears |
| Card Network | Mastercard |
| Min. Annual Income | S$30,000 (age 55 and below) / S$15,000 (age 56 and above) |
The combination of 1.5% unlimited cashback, zero annual fee, and zero FX fees makes this MariBank card one of the strongest everyday cashback credit cards available in Singapore right now — especially for overseas spending and travel.
How to Sign Up for MariBank Credit Card with Referral Code
Follow these steps to apply for the Mari Credit Card and claim your referral bonus:
Step 1: Download the MariBank app from the App Store, Google Play, or Huawei AppGallery.
Step 2: Open the app and tap “Sign Up” to create your MariBank account.
Step 3: During the application, look for the “Referral / Promo Code?” field. Enter the referral code 2DCT80WQ.
Step 4: Select the Mari Credit Card Bundle when choosing your product. This includes a Mari Savings Account + Mari Credit Card.
Step 5: Complete the identity verification (Singpass MyInfo) and submit your application.
Step 6: Once approved, your S$15 referral cash bonus will be credited instantly to your Mari Savings Account. Your virtual Mari Credit Card will be ready to use immediately — the physical card arrives by mail within 5–7 business days.
The entire sign-up process takes about 5 minutes and is fully digital — no branch visit needed.
MariBank Referral Code Bonus Breakdown
Here’s exactly what you get when you sign up for the Mari Credit Card using MariBank promo code 2DCT80WQ:
| Reward | Amount | Conditions |
|---|---|---|
| Referral Sign-Up Bonus | S$15 cash | Credited instantly upon successful Mari Credit Card Bundle application |
| Welcome Cashback | S$30 cashback | Spend min. S$300 (excl. Shopee) within 30 days of card approval |
| Shopee Voucher Pack | S$50 vouchers | Use Mari Credit Card Instant Checkout on Shopee |
| Total New User Rewards | Up to S$95 | Combined referral + welcome bonuses |
Additionally, new users can lock in 2.88% p.a. for 1 month with Mari Fixed Deposit on placements from S$5,000 to S$50,000 — a nice bonus if you’re also looking for a place to park cash.
Both the referrer and referee benefit from this programme. As the referee (you), the S$15 referral cash is credited instantly — no waiting period.
MariBank Credit Card Cashback Structure
The Mari Credit Card keeps things refreshingly simple — a flat 1.5% cashback on virtually everything, with no complicated category tiers or rotating bonus categories:
| Spend Category | Cashback Rate | Cap |
|---|---|---|
| Local Spending | 1.5% | Unlimited |
| Overseas Spending (foreign currency) | 1.5% | Up to S$1,500/month eligible spend |
| Shopee Spending | 1.5% | Unlimited |
| Online Subscriptions | 1.5% | Unlimited |
A few things to note about the MariBank card cashback:
Cashback is now credited instantly when your transactions are posted — no more waiting until end of month. The overseas cashback promotion (0% FX fee + 1.5% cashback) is valid till 31 December 2026. Eligible foreign currencies include MYR, KRW, CNY, JPY, THB, and more.
One caveat: If you pay in SGD via Dynamic Currency Conversion on overseas platforms like Agoda, Airbnb, or iHerb, a 1% Currency Conversion Fee applies. Always pay in the local currency to avoid this.
MariBank Credit Card vs Other Digital Bank Cards
How does the Mari Credit Card stack up against other popular digital bank cards in Singapore? Here’s a quick comparison:
| Feature | Mari Credit Card | Trust Card | GXS FlexiCard |
|---|---|---|---|
| Cashback Rate | 1.5% flat | Up to 8% (with qualifying spend) | Up to 3% (tiered) |
| Min. Spend | None | Varies by tier | Varies by tier |
| Annual Fee | S$0 | S$0 | S$0 |
| FX Fee | 0% | 0% | Varies |
| Overseas Cashback | 1.5% | 1% | Up to 3% |
| Card Type | Credit Card | Debit Card | Credit Line |
| Card Network | Mastercard | Visa | Visa |
The Mari Credit Card’s biggest advantage is its simplicity — a flat 1.5% on everything with no hoops to jump through. Trust Bank’s card can offer higher cashback rates, but those are debit-card rewards that require you to hit specific spend tiers. If you value consistency and zero FX fees for travel, MariBank is hard to beat.
Who Should Get the MariBank Credit Card?
The Mari Credit Card is ideal if you:
- Want a fuss-free, no-minimum-spend cashback card for everyday use
- Travel frequently and want 0% FX fees with 1.5% overseas cashback
- Shop on Shopee regularly and want to stack cashback + voucher rewards
- Prefer instant cashback crediting instead of waiting for monthly statements
- Hate annual fees and don’t want to call in every year to waive them
You might want to look elsewhere if you:
- Need overseas ATM cash withdrawals (Mari Credit Card doesn’t support this)
- Want a multi-currency wallet for holding foreign currencies
- Spend heavily in specific categories where other cards offer higher rates (e.g., dining or petrol)
- Prefer points-based loyalty programmes over flat cashback
For most everyday spenders in Singapore, the Mari Credit Card hits the sweet spot of simplicity, competitive cashback, and zero fees. If you also have a MariBank savings account, the ecosystem becomes even more compelling with bonus interest rates and integrated banking.
Frequently Asked Questions
What is the MariBank credit card referral code for 2026?
The MariBank referral code for 2026 is 2DCT80WQ. Enter this code during your Mari Credit Card application to receive S$15 cash credited instantly to your Mari Savings Account, plus additional welcome rewards worth up to S$80.
What cashback does the MariBank credit card offer?
The Mari Credit Card offers a flat 1.5% unlimited cashback on all local spending, and 1.5% cashback on overseas spending (on up to S$1,500 in eligible foreign currency transactions per month). There is no minimum spend required and cashback is credited instantly when transactions are posted.
Is there a MariBank promo code for the credit card?
Yes — you can use MariBank promo code 2DCT80WQ when applying for the Mari Credit Card. This referral code gives you a S$15 instant cash bonus on top of MariBank’s standard welcome rewards of up to S$80 (including S$30 welcome cashback and S$50 Shopee voucher pack).
Does the Mari Credit Card charge foreign exchange fees?
No. From January 2026, the Mari Credit Card charges 0% FX markup on overseas transactions. It uses the Mastercard wholesale exchange rate with no MariBank markup. This makes it one of the best credit cards for overseas spending in Singapore. The 0% FX fee promotion is valid till 31 December 2026.
What is the MariBank credit card annual fee?
The Mari Credit Card has no annual fee — permanently. You never need to call in to waive it or meet any minimum spend threshold to keep the card fee-free.
How do I enter the MariBank referral code when signing up?
When applying for the Mari Credit Card through the MariBank app, you’ll see a “Referral / Promo Code?” field during the sign-up process. Enter 2DCT80WQ in this field before completing your application. The referral bonus will be credited to your Mari Savings Account instantly once your application is approved.
What is the minimum income to apply for the MariBank credit card?
You need a minimum annual income of S$30,000 if you’re aged 55 and below, or S$15,000 if you’re aged 56 and above. You must also be a Singapore Citizen, Permanent Resident, or hold a valid Employment Pass, S Pass, or Work Permit.
Is the MariBank credit card good for overseas travel?
Yes — the Mari Credit Card is excellent for travel. It offers 0% FX fees (using Mastercard wholesale rates) and 1.5% cashback on overseas spending, making it one of the most competitive travel credit cards in Singapore. The main limitation is that it doesn’t support overseas ATM withdrawals or offer a multi-currency wallet, so you may want a separate solution for foreign cash.