Mari Credit Card Review 2026: Features, Fees and Cashback

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MariBank is a digital bank in Singapore offering services to individuals and business customers - including a MariBank credit card¹ for personal use. This guide walks through the MariBank credit card features and fees, including how to earn Mari credit card cashback and the Mari credit card foreign transaction fee you pay when you travel.

We'll also introduce the Wise card, a handy travel companion to make seamless card payments when you're overseas.

What is MariBank?

MariBank is a Singapore digital bank, which is licensed and regulated by MAS, and a wholly owned subsidiary of Sea Limited. MariBank has a great range of products for Singapore citizens and residents, including services for individual customers and small businesses. This guide focuses on the Mari credit card which offers rewards as you spend, in the form of Shopee coins, as well as cashback on other spending categories.

Mari Credit Card: Main features and benefits

So - what is the Mari credit card and how does it work? Here’s a breakdown of its key features. Following this, we’ll examine the costs associated with the card, including any annual fees and foreign transaction fees.

*Details correct at time of writing - 30th April 2026

Mari Credit Card: Cashback & Rewards

The Mari Credit Card stands out for its generous rewards programme⁴:

• 1.5% rebates in the form of Shopee Coins for eligible Shopee purchases when using Mari Credit Card instant checkout
• 1.5% cashback on overseas card spend in foreign currencies (non-SGD), capped at S$1,500 per month, under promotion valid until 31 Dec 2026
• 11.5% cashback on local card spend. This is applicable for eligible card spend in SGD, offering unlimited cashback with no minimum spend required from 1 Jan 2026.

Fees and charges

Before you decide if the card suits your needs, it’s useful to understand its associated costs. There may be ongoing fees, transaction fees and penalties depending on how you spend, which can all influence whether or not this card suits your individual needs. Here’s a summary of some key costs for the Mari card. As other costs might also apply it’s helpful to read through the full fee schedule before you transact.

*Details correct at time of writing - 30th April 2026

Eligibility and application

To apply for a MariBank credit card you’ll need to register with MariBank and complete a credit check³.

You may apply for a Mari Credit Card if you meet any of the following:

• Singaporean or Permanent Resident
• Aged 21 to 55 years old, with a minimum annual income of 30 000 SGD
• Over 55 years old, with a minimum annual income of 15 000 SGD
• Note: If aged 21-55 and not meeting the minimum income, you may be assessed for a card with up to 500 SGD credit limit
• Foreigners
• Aged 21 years and above
• Holding a valid pass (e.g., Dependant's Pass, Employment Pass, Long-Term Visit Pass, S Pass, Student's Pass, etc.) with at least 6 months validity from application date

The usual steps vary depending on the user type¹¹

If you are an existing MariBank customer (with or without Mari Credit Account):

1. Log in to the MariBank app
2. Tap Mari Credit Card on the home screen
3. Choose Get Card Now (if upgrading from Mari Credit Account) or Apply
4. Complete the application digitally via Singpass (if prompted)
5. Upon approval, a virtual credit card is issued immediately in the app

If you are a new MariBank customer:

1. Download the MariBank app
2. Register using a valid Singapore mobile number
3. Apply for the Mari Credit Card via Singpass
4. Upon approval, you will receive a virtual card instantly in the app

A physical card can be requested separately through the app if needed.

Using the Mari card overseas

Using your Mari credit card overseas is as easy as making a payment here in Singapore. Just look out for the network logo when it comes to making a payment - usually Mastercard - and use your physical card to tap and pay, or your virtual card with a wallet like Apple Pay. You’ll be given a credit limit when your credit card is approved and can spend up to that limit before repaying your bill at the end of the statement period. If you do not repay in full, interest charges will apply⁸.

When spending overseas with a Mari Card, transactions processed in SGD may incur a 1% currency conversion fee charged by Mastercard if you choose to pay in Singapore Dollars instead of the local foreign currency. To avoid unnecessary conversion costs, it is recommended to always pay in the merchant’s local currency⁵.

Exchange Rates⁸

When you spend overseas with MariBank, your foreign currency transactions are converted to SGD using the Mastercard exchange rate. From 1 January 2026, these foreign currency transactions are no longer subject to any additional foreign transaction fee.

However, a 1% currency conversion fee applies if you choose to pay in Singapore Dollars for transactions processed overseas (including dynamic currency conversion and SGD-denominated online purchases made on overseas websites).

A significant point for international travelers is that the Mari Credit Card cannot be used for ATM withdrawals overseas¹⁰. This means you'll need an alternative way to access cash while abroad. If transparent exchange rates and fees, and ATM access are priorities for your overseas spending, you could consider the Wise card.

Comparing Mari Credit Card and Wise Card for overseas spending

While the Mari Credit Card offers excellent cashback and rewards, particularly for local spending and Shopee purchases, choosing the right card for overseas spending involves evaluating different factors. For those looking to optimise their overseas spending, it’s beneficial to compare the Mari Credit Card with another popular option: the Wise card, a travel-optimised debit card. There’s no perfect fit for credit and debit cards, so shopping around can help you to make sure you get a card which balances costs and convenience, based on your spending habits.

Here are a few pros and cons of the Mari card compared to the Wise card to give you a starting point.

The Mari credit card might be a good fit if you’re seeking a credit card primarily for earning rewards and cashback on your local spending, especially if you frequently shop with Shopee. Its strengths lie in providing a credit facility with attractive reward. However, for overseas use, there are also some key drawbacks.

The Wise card, on the other hand, has a stronger focus on international spending. All you need to do is to sign up for a free Wise account. It offers ways to hold and exchange 40+ currencies easily and with no foreign transaction fee to pay. Having a physical Wise card allows you to make chip and pin payments, as well as free ATM withdrawals to the value of 100 SGD each month, before low fees start.

You might find that having a Mari credit card for local use to earn rewards, and a Wise debit card for overseas spending gives you the best mix of flexibility and rewards, with low fees and great exchange rates when you travel.

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Sources last checked: 30 April 2026