Great Deal: Get S$95 Welcome Rewards With Mari Credit Card + Best-in-Class Forex Rates!
If you’re looking for a great card to use overseas, Mari Credit Card is very difficult to beat since its latest revision. The card not only offers 0 forex fee now, it even promises best-in-class rates for certain currencies. On top of excellent exchange rates, Mari Credit Card even gives 1.5% cashback on eligible retail transactions, making it a very compelling card to use overseas.
If you’re a new MariBank user, you can also get as much as S$95 in sign-up rewards among other sign-up promos in the month of February.
You can watch this video (sponsored) for more info, or read the rest of this article (not sponsored) for more.
Promo Details
Mari Savings Account / Credit Card
Use code 5HCT18VM
Account: 0.88% p.a.
Card: get unlimited 1.5 Shopee Coins on eligible Shopee spend, 1.5% cashback on eligible card spend and 1.5% cashback on overseas card spend with no fx fee. Read the review
🎁 Bonus Rewards
Sign up with code 5HCT18VM in August 2026
- If you sign up for Mari Savings Account as first product: get bonus S$8 and qualify as new user for Account
- If you sign up for Mari Credit Card as first product: get bonus S$15 (Savings Account will be opened as well, and you will qualify as new user for both Account and Card)
💰 Mari Savings Account
Sign up with code 5HCT18VM and get up to 2.88% p.a. on the first S$100,000.
| Interest Rate | |
|---|---|
| Base Rate | 0.88% p.a. |
| Bonus Rate | +1.60% p.a. on first S$100,000 for 30 days |
| ShopeeVIP | +0.40% p.a. on first S$100,000 |
| 2.88% p.a. |
💳 Mari Credit Card
Sign up for Mari Credit Card Bundle with promo code 5HCT18VM and spend S$300 within the first 30 days and get³:
- S$30
- S$70 Shopee voucher pack
⚠️ Terms and conditions
- Limited to the first 10,000 customers who successfully open a Mari Savings Account during the Promotional Rate Period, and successfully make Fixed Deposit placement(s) within 30 days from the date of successful account opening. Terms and Conditions
- Terms and Conditions For Bonus Units
- Terms and Conditions For Credit Card Promos
For reference only; refer to exact details in terms and conditions
Best-in-Class Rates
MariBank is promising unbeatable rates for:
- Malaysia
- Thailand
- Japan
- China
- Korea
- Australia
- Indonesia
I pitted Mari Credit Card against Chocolate Card in late January 2026 in a couple of these currencies:
| Currency | Mari Credit Card | Chocolate Card | Outcome |
|---|---|---|---|
| Thai Baht | S$1 = ฿24.450 | S$1 = ฿24.007 | ⭐️ Mari Credit Card (1.85% better) |
| Chinese Yuan | S$1 = ¥5.456 | S$1 = ¥5.422 | ⭐️ Mari Credit Card (0.63% better) |
Leaving aside card rewards, Mari Credit Card’s rates were indeed significantly better.
With Chocolate Card’s 1 Max Mile per dollar earn rate and Mari Credit Card’s 1.5% cashback, Mari Credit Card still compares favourably:
| Currency | Mari Credit Card | Chocolate Card |
|---|---|---|
| Thai Baht | Rate: 1.85% better Cashback: 1.5% Total: 3.35% ⭐️ | Earn Rate: 1 Max Mile Per Dollar (1.8%) Total: 1.8% |
| Chinese Yuan | Rate: 0.63% better Cashback: 1.5% Total: 2.13% ⭐️ | Earn Rate: 1 Max Mile Per Dollar (1.8%) Total: 1.8% |
| Spend Cap | 1.5% cashback on S$1,500 spend | 1 Max Mile per dollar on S$1,000 spend |
It’s a convincing victory for both currencies I tried.
I intend to do a more in-depth comparison with other travel cards, so stay subscribed for updates.
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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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