Mari Credit Card: 1.5% FX Cashback Now Posted Instantly

In an email to cardholders a few days ago, MariBank announced an update to how cashback is awarded for foreign currency spending on the Mari Credit Card.

Foreign currency cashback now awarded instantly

From 1 Jan till 31 Dec 2026, Mari Credit Card is awarding 1.5% cashback on foreign currency spending, up to S$1,500 per calendar month. For the first 2 months of this promo (Jan – Feb 2026), cashback was credited by the following calendar month.

Effective 1 Mar 2026, cardholders will no longer need to wait over a month, as the cashback amount will be credited instantly when the transactions are posted.

How to view your cashback

Follow these steps to view the cashback on your Mari Credit Card in the MariBank app:

1. Tap on ‘Card‘
2. Tap on ‘Rewards‘
3. Tap on ‘Cashback History‘
4. Tap on each transaction to view cashback details
5. Tap on ‘View Related Transaction‘ to view the corresponding transaction details

Best credit card for foreign currency spending

With zero FX fees and 1.5% cashback, Mari Credit Card is now the best fuss-free cashback card for your first S$1,500 of foreign currency spending (overseas or online) monthly. This is a huge benefit, as the majority of Singapore credit cards charge about 3.25% in FX fees on foreign currency spending.

Using a Miles credit card for foreign currency spending? You’ll be paying about 4.75% more (3.25% + 1.5%) than Mari Credit Card holders. As previously discussed, it only makes sense to use credit cards that earn 4 miles per dollar when accounting for a 4.75% opportunity cost.

As a reminder, this card also comes with no annual fee.

Here are the key details of the Mari Credit Card:

Mari Credit Card

Get 1.5% cashback on almost everything, no FX fees

Apply

(Apply with code: 6JAC91WK)

More information

Key details of the Mari Credit Card

Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income: S$15,000 – S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
Annual fee: No annual fee, ever

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 Get 1.5% cashback on foreign transactions, up to S$1,500 per calendar month (till 31 Dec 2026)
 No minimum spending
 No foreign transaction fees

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⚠️ Low earn rates on local and Shopee spending (spend with better cashback cards instead)
• 1.5% cashback on local spending
• 1.5% coins on Shopee spending

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📄 Quick review

More information on the

Mari Credit Card

Suitesmile rating:

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✍️ Short summary
Mari Credit Card gives you 1.5% cashback, great foreign exchange rates with no foreign transaction fees and it does not come with an annual fee.

Cardholders can receive 1.5% cashback on any currency spending; uncapped for SGD transactions, up to S$1,500 per calendar month (till 31 Dec 2026) for foreign currency transactions. No minimum spending is required.

The existence of this card also means that the opportunity cost of using Miles credit cards for foreign currency spending is now about 4.75%, as those cards come with around 3.25% in FX fees and no cashback.

Cardholders can also earn 1.5% Shopee coins when transacting with Mari Credit Card Instant Checkout on Shopee, but there are better miles and cashback cards for Shopee spending!

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💸 Annual fee
No annual fee, ever

💼 Income requirement
S$30,000/year (aged 55 and below),
S$15,000/year (aged 56 and above)

🤑 Foreign transaction fee
No foreign transaction fee

❓How/When cashback is credited
Cashback amount is credited into the card immediately when the transactions post.

📜 Terms & conditions

🎁 Sign-up bonusGet S$30 cashback after spending at least S$300 within 30 days from card approval date.

Plus, get a S$50 Shopee voucher pack when you use Mari Credit Card Instant Checkout on Shopee.

Use code 6JAC91WK when signing up.

Don’t qualify for a credit card? Get 0.5% cashback on your first S$1,500 worth of foreign currency spending with the Mari Debit Card. Yes, the cashback makes it better than YouTrip.

Mari Credit Card sign-up promo

From 1 Jan till 31 Dec 2026, new Mari Credit Card holders can receive S$30 cashback after spending at least S$300 on the card within 30 days of card approval (excluding Shopee spending). T&Cs.

On top of that, get a S$50 Shopee voucher pack when you use Mari Credit Card Instant Checkout on Shopee.

MariBank also offers a fuss-free savings account which currently awards 0.88% interest daily into your account. Unlike most savings accounts from other banks, Mari Savings Account does not have any fall-below fee.

✍️ Apply for the Mari Credit Card or Savings Account with my referral code: 6JAC91WK