Get Unlimited 5% Shopee Coins with Mari Credit Card – No Minimum Spend, No Maximum Cap!

Got a distinctively orange envelope in the mail today and it’s none other than the Mari Credit Card! MariBank is a digital bank licensed by the Monetary Authority of Singapore and a wholly owned subsidiary of Sea Limited, and this is their first ever credit card.

The headline feature of Mari Credit Card is that it is SG’s Highest Unlimited Cashback card¹ with 5% Shopee Coins² on eligible Shopee spend, 1.7% cashback on eligible card spend³ and 3% cashback on overseas card spend in foreign currencies⁴. While most cards offering high cashback require certain conditions to be met, the best part of the Mari Credit Card is how straightforward it is. 

5% Unlimited Shopee Coins on eligible Shopee Spend With No Minimum Spend! 

To earn the 5% Shopee Coins, all you have to do is to make an eligible spend on Shopee with Mari Credit Card Instant Checkout… and that’s it! Unlike many other cards, there is no minimum spend to worry about. While other cards, particularly cashback ones, tend to have a minimum spend that may result in you spending more than you need to get a higher earn rate, you get the earn rate regardless of how little you spend with Mari Credit Card. I use Shopee all the time for small knickknacks and purchases, so this is very appealing.

If you are a bigger spender, there is also no maximum cap on the 5% Shopee Coins. This is another rare feature for cards offering this much reward. When I recently did a feature of good cashback cards, quite a few comments pointed to the low caps of cashback cards as a weakness:

Well, this is a complete non-issue with Mari Credit Card given that there is simply no limit for the 5% Shopee Coins you can earn with this card.

A Great Card For Shopee

Mari Credit Card is hence suitable for low and big spenders alike – as long as you buy stuff through Shopee. This isn’t a big problem because Shopee is perhaps my favourite way to buy things online right now. 

Feel free to share your experience, but based on mine, Shopee has been my go-to place for shopping in recent years given how competitively priced their stuff is. The fact that they have many pickup points for me to get my stuff in a timely manner also makes it my shopping platform of choice. 

While Shopee Coins are not as good as a direct cash cashback that offsets your spend, Shopee users are probably accustomed to making use of their Shopee Coins to offset their Shopee shopping.

Plus, if you have other promotional Shopee vouchers, you can try to use them with the Mari Credit Card for your Shopee checkouts as they can be stacked with the 5% Shopee Coins. Do check the voucher terms and conditions for more information!

Note that to be eligible for the 5% Shopee Coins you have to select Mari Credit Card Instant Checkout and “Pay In Full” as the payment option when checking out on Shopee. For the avoidance of doubt, you will not be able to receive the 5% Shopee Coins if you choose to pay in installments or if you manually input the Mari Credit Card card details and use the Credit Card/Debit Card option. If you manually input the card details or choose to pay in installments, you will earn 1.7% cashback instead.

Please note that the 5% Shopee Coins on Shopee spend cannot be received in conjunction with the 1.7% cashback on card spend.

Fuss-free Card That’s Also SG Highest Unlimited Cashback Card

Speaking of which, in addition to earning Shopee Coins, this card also gives 1.7% cashback on eligible spending.  While 1.7% cashback doesn’t sound like much, this card provides a straightforward way to earn cashback. You need not worry about the categories to spend on to try and maximise your cashback, neither do you need to keep track of your monthly spend since there is no minimum spend requirement nor cashback cap. 

Similar to almost every other card, exclusions apply, so do check out their website for more information.

Having no minimum spend or limits make the Mari Credit Card very simple to use, and it helps that the card has no Annual Card Fee, so you don’t have to worry about having to get fees waived every year.

Also Good For Overseas Transactions

In addition, if you are looking to consolidate your monthly spend including your overseas spending on a single card, Mari Credit Card is offering 3% cashback on overseas card spend in foreign currencies until 31st December 2025. Take note that there is a foreign transaction fee that is currently 3% which is lower than some of the banks out there, and it’s a good thing the 3% cashback is unlimited. 

I recently used my Mari Credit Card in Malaysia and charged a café meal to it. The bill came up to RM56.85 which was S$18.37 after the foreign currency transaction fee.

Immediately after I charged my card, I got a notification informing me that SS$0.53 of cashback was coming my way:

This made my transaction effectively S$17.84 which is almost the same rate you’d find on the Mastercard’s currency converter.

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¹ The only credit card in Singapore offering the highest unlimited Shopee Coins on Shopee spend via Mari Credit Card Instant Checkout and the highest unlimited cashback rates⁵ with no cashback cap or minimum spend requirements for eligible card spend. Information is correct as of 1 May 2024. For full Mari Credit Card Terms and Conditions, read here.

² Awarded in Shopee Coins for eligible transactions using the Mari Credit Card Instant Checkout payment method on Shopee.

³ Only applicable for eligible card spend in Singapore Dollars. Please refer to the Terms and Conditions Governing Cashback for Mari Credit Card for transactions that are not eligible for Cashback.

⁴ Only applicable for eligible card spend in foreign currencies (non-Singapore Dollars), less any applicable interest, fees, and charges such as foreign currency transaction fees. For more information, please refer to Mari Credit Card Foreign Currency Spend 3% Unlimited Cashback Promotion Terms and Conditions.

⁵ Excludes promotional rates that other banks may offer from time to time.

Deposit Insurance Scheme (applicable to Mari Savings Account only)

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law.

Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.

He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.

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