Mari Credit Card
maribank · Cashbackcashback
How it earns
1.50% Overseas spend in foreign currency
overseasCapped at S$1,500.00 of spend per statement cycle · then falls to 0.00%
0.00% Overseas spend past the monthly cap
overseas-over-capUncapped
1.70% All local spend, to 31 Dec 2025
base-2025Uncapped
1.50% All local spend
baseUncapped
Mechanics that decide real outcomes
- Period basis
- statement cycle
- Bins by
- posting date
- Accrual
- proportional, floor
- Settlement
- statement credit
- Credit lag
- one cycle
- Native unit
- SGD → 1.00 cents each
- Conversion
- free
- Expiry
- none
Exclusions
excluded mcc
41 MCCs: 4784, 4829, 4900, 5047, 5199, 5960, 6010, 6011…excluded merchant
AMAZE GRABPAY ^YOUTRIP SHOPEEPAY SINGTEL DASH RAZER ?PAY NETS FLASHPAY ^EZ-?LINK ^TRANSIT ?LINK ^AXS ^SAM ^ENETSexcluded merchant
non-purchase transactionsnot a purchase
non-purchase transactionsTerms and sources
Official terms and conditions ↗
- “Clause 2.4: You will be eligible to earn Cashback at a rate of 1.7% ... on eligible transactions which are posted to your Card Account before 1 January 2026. You will be eligible to earn Cashback at a rate of 1.5% ... on or after 1 January 2026.”
- “Clause 5.1: 1.5% Cashback on each Eligible Overseas Spend, up to a maximum amount of S$1,500 of Eligible Overseas Spends in a Relevant Month. Clause 2.7: "Relevant Month" refers to each particular calendar month.”
- “1.5% Unlimited Cashback on Local Card Spend, no minimum spend. Applies to eligible transactions posted to your account on or after 1 January 2026.”
- “Clause 5.3: the Rewards awarded for the Eligible Overseas Spends made in each Relevant Month, during the period of 01 January 2026 to 28 February 2026 (both dates inclusive), will be credited into the relevant Eligible Mari Credit Card Holder's Mari Credit Card account by the end of the next calendar month. Clause 5.4: the Reward for an Eligible Overseas Spend that is made during the period of 01 March 2026 to 31 December 2026 shall be credited once the Eligible Overseas Spend is posted.”
- “1.5% cashback on international transactions, capped at a maximum of S$1,500 in eligible overseas spending per month. No FX fees as of 1 January 2026.”
- “Clause 2.2: The following transactions are not eligible transactions, and you will not earn Cashback ... (f) any transaction classified under one or more of the following Merchant Category Codes.”
- “Clause 2.10: Awarded Cashback in your Card Account will be automatically offset against the billed amount in the upcoming Card Account Statement cycle.”
Notes
HOW IT EARNS - 1.5% on everything, local and overseas, with no minimum and no annual fee. - Overseas spend in foreign currency is capped at S$1,500 a month and earns NOTHING past it. - No FX fee from 1 January 2026 — unusual for a Singapore card, and worth remembering against cards charging ~3.25%. WATCH OUT - CLAUSE 5.3 IS A TIMING RULE, and it is the whole of the remaining error. For overseas spend in January and February 2026 the rebate was credited a month later as a separate credit; from 1 March (clause 5.4) it attaches to the transaction. This file books it in the month of spend, so February reads +33% and March -11% — 1,248 of February's 1,276-cent excess. - An absent cashback row in Jan or Feb means "not yet credited", not "did not qualify". NOT MODELLED - That one-month lag. `statement_figure` exists at the reward level and would need to be per TIER and date-bounded to say this. - Whether the S$1,500 overseas cap is on SPEND (assumed) or on the cashback. - The overseas promotion runs to 31 December 2026 and needs an `effective_to` once its replacement is known. EVIDENCE - Twelve app screenshots, the only per-transaction cashback this card exposes. Six matched, six contradicted the file; recorded, April moved from +22% to +2% and February from +33% to +9%. - Rate confirmed 1.5% by the cardholder. MariBank's PDF still says 1.7% at clause 2.4, but the product page gives 1.5% from 1 January 2026. The PDF is stale — and MariBank keeps both versions live under different filenames.