Mari Credit Card Shopee Coins: How to Earn 1.5% With Instant Checkout (2026)
How the Mari Credit Card earns Shopee Coins, which payment methods miss out, and when plain cashback is the better choice.
The Mari Credit Card earns 1.5% back in Shopee Coins, with no cap, when you pay on Shopee using Mari Credit Card Instant Checkout and choose Pay In Full. Paying by instalments, typing in your card number, or using Apple Pay or Google Pay earns no coins; those count as normal card spend, which earns 1.5% cashback instead. The rate is the same either way, so the real choice is coins or cash.
Not financial advice. Figures are for educational reference only. Data as at October 2026 unless noted. TKN may earn a referral reward if you sign up with our code.
How Mari Credit Card Shopee Coins work
MariBank is owned by Sea Limited, the same group as Shopee, so its credit card is built to work with Shopee. The card has two reward routes.
On Shopee, you earn 1.5% back as Shopee Coins when you pay with Mari Credit Card Instant Checkout. Everywhere else, you earn 1.5% cashback on eligible spend, with no minimum spend and no cap on local spending. MariBank’s product page says the Shopee Coins promotion runs until 31 December 2027.
The coins go into your linked Shopee account once your order is confirmed, either when you tap Order Received or when Shopee releases payment to the seller. Normal cashback goes to your Mari cashback balance in the MariBank app, usually within 5 business days of the transaction being confirmed.
How to set up Mari Credit Card Instant Checkout
- Get the Mari Credit Card in the MariBank app. If you are new, you can use TKN’s code 2DCT80WQ; see our Mari Credit Card referral code page for this month’s offer.
- In the Shopee app, link your MariBank account to Shopee.
- At checkout, go to Payment Methods and activate Mari Credit Card Instant Checkout.
- Each time you pay, pick Mari Credit Card Instant Checkout and choose Pay In Full. You do not need to type in your card number.
- Check your coins under My Shopee Coins in the Shopee app after the order is confirmed.
What earns coins and what does not
This is where most people slip up. Only one way of paying earns Shopee Coins, according to MariBank’s Help Centre.
| How you pay on Shopee | What you earn | Where it goes |
|---|---|---|
| Mari Credit Card Instant Checkout, Pay In Full | 1.5% in Shopee Coins, unlimited | Your linked Shopee account |
| Mari Credit Card Instant Checkout, instalments | No Shopee Coins | Not stated by MariBank |
| Card number typed in (Credit/Debit Card option) | Counted as card spend: 1.5% cashback on eligible spend | Mari cashback balance in the MariBank app |
| Apple Pay or Google Pay | Counted as card spend: 1.5% cashback on eligible spend | Mari cashback balance in the MariBank app |
Source: MariBank Help Centre article 10332 and Mari Credit Card product page, October 2026. Ineligible transactions are listed in MariBank’s cashback T&Cs
The instalment point matters. Instant Checkout lets you split a purchase into 0% instalments over 3, 6, 12 or 18 months, but instalment payments earn no Shopee Coins. If you want the coins on a big purchase, you have to pay in full.
Also note that the coin rate is a promotional rate set by MariBank, so it can change. Check the current rate in the app before a large purchase.
Using your Shopee Coins: the limits
Earning coins is the easy part. Spending them comes with limits that MariBank lists on its Mari Credit Card page:
- 100 Shopee Coins = S$1 off a Shopee purchase.
- Coins can cover up to 30% of an order.
- You can redeem up to 1,000 coins (S$10) every 24 hours.
In practice, the 30% rule bites on small orders and the S$10 daily cap bites on big ones. On a S$20 order you can use at most S$6 of coins. On any order above about S$33, you are capped at S$10 a day.
| Shopee spend a month | Coins earned (1.5%) | Value a month | Value a year |
|---|---|---|---|
| S$100 | 150 | S$1.50 | S$18 |
| S$200 | 300 | S$3.00 | S$36 |
| S$500 | 750 | S$7.50 | S$90 |
| S$1,000 | 1,500 | S$15.00 | S$180 |
Source: TKN calculation at 1.5% and 100 Shopee Coins = S$1. October 2026
At typical spending these limits rarely matter. Someone spending S$200 a month on Shopee earns 300 coins, or S$3, which is easy to use up. Heavy users building up thousands of coins may need several orders to spend them.
Shopee Coins vs cashback: which should you take?
Because both routes pay 1.5%, the question is simply whether you would rather have Shopee Coins or cashback.
| Shopee Coins route | Cashback route | |
|---|---|---|
| How you pay | Instant Checkout, Pay In Full | Card number, Apple Pay or Google Pay |
| Rate | 1.5% | 1.5% on eligible spend |
| Cap on earning | None stated | None on local spend |
| Where you can use it | Shopee only | Credited to your Mari cashback balance |
| Limits on use | Up to 30% of an order; 1,000 coins (S$10) per 24 hours | None stated |
| Best for | Regular Shopee shoppers who will spend the coins | Everyone else |
Source: MariBank product page, blog and Help Centre, October 2026
Cashback is the more flexible of the two. If you only shop on Shopee now and then, or you do not want to keep track of coins, paying with Apple Pay, Google Pay or your card number still earns 1.5% as card spend, subject to MariBank’s cashback T&Cs.
The coins route makes sense if you shop on Shopee every month and will spend the coins there anyway. It is also quicker at checkout, since there is no card number to type in.
Is it worth it?
For Shopee regulars, the Mari Credit Card is a simple, no-fee way to earn 1.5% back on Shopee and 1.5% on everything else. It will not make you rich: S$200 a month on Shopee earns about S$36 a year in coins.
Specialist cards can earn more on online spending, though usually with caps and minimum spends. Our best credit cards in Singapore for 2026 compares them, and if your big spend is groceries rather than Shopee, the Trust Link credit card may suit you better.
For the full picture on fees, overseas spending and credit limits, read our Mari Credit Card review and our MariBank review.
Not financial advice. Rates, limits and promotion dates can change. Check the MariBank app and the Mari Credit Card page for current terms.
Frequently Asked Questions
How do I earn Shopee Coins with the Mari Credit Card?
Link your MariBank account to Shopee, activate Mari Credit Card Instant Checkout under Payment Methods, and pay with Instant Checkout using Pay In Full. You earn 1.5% back in Shopee Coins, with no cap stated.
Do Mari Credit Card instalments earn Shopee Coins?
No. Instalment payments through Instant Checkout do not earn Shopee Coins. You must choose Pay In Full.
Does Apple Pay or Google Pay on Shopee earn Shopee Coins?
No. Paying with Apple Pay, Google Pay or a typed-in card number counts as normal card spend, which earns 1.5% cashback on eligible spend instead of coins.
When will I receive my Shopee Coins?
Coins are credited to your linked Shopee account after your order is confirmed, when you confirm receipt or when payment is released to the seller.
How much are Shopee Coins worth?
100 Shopee Coins are worth S$1 off a Shopee purchase. You can use coins for up to 30% of an order, with a limit of 1,000 coins every 24 hours.
How long does the Mari Credit Card Shopee Coins offer last?
MariBank’s product page says the Shopee Coins promotion runs until 31 December 2027. The coin rate is promotional, so check the app for the current rate.
This article was researched with the help of AI. While we strive to keep all information accurate and up to date, there may be errors. If you notice any discrepancies, please contact us.
