Mari Credit Card Referral Code 2026: 2DCT80WQ
1.5% unlimited cashback, no annual fee, 0% FX fees — enter code 2DCT80WQ when applying.
Mari Credit Card referral code 2DCT80WQ — enter it during your MariBank app sign-up to receive S$15 cash credited instantly to your Mari Savings Account. The Mari Credit Card offers 1.5% unlimited cashback on all local spend with no annual fee, no minimum spend, and 0% foreign exchange fees on overseas transactions. Backed by Sea Group (Shopee’s parent), MariBank holds a full MAS digital banking licence.
Not financial advice. All figures are for educational reference only. Data as at October 2026 unless noted. 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.
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How to Apply for the Mari Credit Card with Referral Code
Follow these steps to apply for the Mari Credit Card and claim your S$15 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: Look for the “Referral / Promo Code?” field during registration. Enter 2DCT80WQ. This must be done before submitting — you cannot add the code later.
Step 4: Select the Mari Credit Card Bundle when choosing your product. This includes a Mari Savings Account + Mari Credit Card.
Step 5: Complete identity verification via Singpass MyInfo and submit your application. Approval is typically instant for eligible applicants.
Step 6: Your S$15 referral cash bonus is credited instantly to your Mari Savings Account. Your virtual Mari Credit Card is ready to use immediately — the physical card arrives within 5–7 business days.
The entire process takes about 5 minutes and is fully digital — no branch visit needed.
October 2026 Sign-Up Promotions
Here’s what new Mari Credit Card customers can earn when signing up with referral code 2DCT80WQ before 31 October 2026:
| 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 |
Source: MariBank app, October 2026. Valid 1–31 October 2026 for the first 10,000 successful referrals. T&Cs apply.
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. For more details on all MariBank products, see our MariBank referral code page.
Mari Credit Card Key Features
The Mari Credit Card stands out for its simplicity. There are no rotating bonus categories, no tiered spend requirements, and no annual fee to worry about. Here’s the full breakdown as at October 2026:
| 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 (valid till 31 Dec 2027) |
| Shopee Coins | 1.5% unlimited Shopee Coins via Instant Checkout (valid till 31 Dec 2027) |
| Card Network | Mastercard |
| Cashback Crediting | Instant — posted when transaction clears |
| Min. Annual Income | S$30,000 (age 21–55) / S$15,000 (age 56+) |
Source: MariBank official product page, October 2026.
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 (Instant Checkout) | 1.5% Shopee Coins | Unlimited |
| Online Subscriptions | 1.5% | Unlimited |
Source: MariBank T&Cs, October 2026.
Cashback is credited instantly when your transactions are posted — no more waiting until end of month. The 0% FX fee and 1.5% overseas cashback promotion is valid till 31 December 2027 per MariBank’s latest T&Cs. Eligible foreign currencies include MYR, KRW, CNY, JPY, THB, and more. One important note: if you pay in SGD via Dynamic Currency Conversion (DCC) on overseas platforms like Agoda or Airbnb, a 1% Currency Conversion Fee applies. Always pay in the local currency to maximise your savings.
Mari Credit Card Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | S$0 — permanently waived |
| Foreign Transaction Fee | 0% — no FX markup (till 31 Dec 2027) |
| Interest Rate | From 18.9% p.a. (personalised) |
| Late Payment Fee | S$100 |
| Cash Advance Fee | 5% of amount withdrawn (min S$15) |
| Overlimit Fee | S$40 |
Source: MariBank Interest Rates, Fees and Limit page, October 2026.
Mari Credit Card vs Trust Freedom Card vs GXS FlexiCard
How does the Mari Credit Card compare to other popular digital bank cards in Singapore? Here’s the head-to-head comparison as at October 2026:
| Feature | Mari Credit Card | Trust Freedom Card | GXS FlexiCard |
|---|---|---|---|
| Best For | Flat cashback lovers | Investors & miles collectors | Tiered cashback spenders |
| Cashback Rate | 1.5% flat unlimited | 1.5% cashback / 3% stockback / 1.3 mpd | Up to 3% (tiered) |
| Min. Spend | None | Varies by mode | Varies by tier |
| Annual Fee | S$0 | S$0 | S$0 |
| FX Fee | 0% | 0% | Varies |
| Overseas Cashback | 1.5% (capped S$1,500/mo) | 0.5% (cashback mode) | Up to 3% |
| Card Type | Credit Card | Credit Card | Credit Line |
| Card Network | Mastercard | Mastercard | Visa |
| Sign-Up Gift (Oct 2026) | Up to S$95 | Up to US$8,000 / S$8,000 / 100K miles | Varies |
Source: Official product pages, October 2026.
The Mari Credit Card wins on simplicity — a flat 1.5% on everything with zero minimum spend. If you just want straightforward cashback without thinking about categories or tiers, this is the card. The Trust Freedom Card is better if you want stockback (earn fractional US stocks through daily spending) or miles — and its sign-up gift is significantly larger. For a deeper comparison of digital banks, see our best digital banks in Singapore guide. If you’re also looking to grow your wealth through investing, our Singapore retirement calculator can help you model how cashback savings compound over time.
Who Should Get the Mari 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 + Shopee Coins
- 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:
- Want to earn miles or stockback — consider the Trust Freedom Card
- Spend heavily at FairPrice and drive — the Trust Link Card offers up to 21% grocery savings
- Want a multi-currency wallet for holding foreign currencies — try YouTrip
- Need overseas ATM withdrawals — Mari Credit Card doesn’t support this
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Frequently Asked Questions
What is the Mari Credit Card referral code for October 2026?
The Mari Credit Card referral code for October 2026 is 2DCT80WQ. Enter this code in the MariBank app when applying for the Mari Credit Card Bundle to receive S$15 cash credited instantly to your Mari Savings Account, plus additional welcome rewards worth up to S$80. Valid 1–31 October 2026 for the first 10,000 successful referrals.
What cashback does the Mari 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.
Does the Mari Credit Card charge foreign exchange fees?
No. The Mari Credit Card charges 0% FX markup on overseas transactions. It uses the Mastercard wholesale exchange rate with no MariBank markup. This promotion is valid till 31 December 2027. Eligible foreign currencies include MYR, KRW, CNY, JPY, THB, and more.
What is the annual fee for the Mari Credit Card?
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. This is a permanent waiver, not a first-year-only promotion.
How does the Mari Credit Card compare to the Trust Freedom Card?
The Mari Credit Card offers a flat 1.5% cashback on everything with no minimum spend — it’s the simplest cashback card among Singapore’s digital banks. The Trust Freedom Card is more versatile, offering four reward modes (stockback, cashback unlimited, cashback bonus, and miles) that you can switch between every quarter. Trust also has a significantly larger sign-up gift (up to US$8,000). Choose Mari for simplicity and overseas spending; choose Trust for flexibility and investing rewards.
What is the minimum income to apply for the Mari Credit Card?
You need a minimum annual income of S$30,000 if you’re aged 21–55, or S$15,000 if you’re aged 56 and above. Applicants below the income threshold may qualify for a lower credit limit of S$500. You must be a Singapore Citizen, Permanent Resident, or hold a valid Employment Pass, S Pass, or Work Permit.
Can I use the Mari Credit Card overseas?
Yes. The Mari Credit Card is excellent for overseas spending. It offers 0% FX fees using Mastercard wholesale rates and 1.5% cashback on eligible overseas transactions (capped at S$1,500 in foreign currency spend per month). Always pay in the local currency to avoid DCC fees. The main limitation is it doesn’t support overseas ATM withdrawals.
Is MariBank safe and regulated?
Yes. MariBank holds a full digital bank licence issued by the Monetary Authority of Singapore (MAS). Customer deposits are protected by the Singapore Deposit Insurance Corporation (SDIC) up to S$100,000 per depositor. MariBank is wholly owned by Sea Limited (SGX: SE), the technology company behind Shopee and Garena.
Apply for the Mari Credit Card Today
Use referral code 2DCT80WQ for up to S$95 in welcome rewards. No annual fee, no minimum spend.
AI Disclaimer: This article was written with the assistance of AI tools and fact-checked against official MariBank sources as at October 2026. Always verify current promotions, rates, and terms directly on maribank.sg before applying. Promotions and reward rates are subject to change. This page contains a referral code — if you sign up using it, The Kopi Notes may receive a small referral bonus at no extra cost to you.