MariBank Credit Card Referral: S$20 + Up to S$80 Rewards

Went for the credit card bundle instead of just the savings account, mainly because of the extra S$80 in card rewards — but the bundle rule almost cost me the referral bonus, so posting this in case it saves someone else the same mistake.

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Referral code: 8ZUU96EA

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What you get: MariBank's birthday promo (1–31 July 2026) pays S$20 cash to you and S$20 to your friend on the Mari Credit Card Bundle, which includes a Mari Savings Account plus the Mari Credit Card. On top of that, the card itself unlocks up to S$80 in new-user welcome rewards.

Steps:

1. Download the app, apply for the Mari Credit Card Bundle specifically — not the savings account and card as two separate applications. This is the part that almost got me: applying separately doesn't qualify for the bundle reward.
2. Enter 8ZUU96EA in the Referral / Promo Code field.
3. Get approved during the promo window — S$20 goes to your Mari Savings Account once it's through.
4. For the extra S$80: spend a minimum of S$300 on the Mari Credit Card within 30 days of card approval to get a S$30 welcome cashback, plus there's a separate S$50 Shopee voucher pack if you use Mari Credit Card Instant Checkout on Shopee.

Gotchas:

• The S$300 spend for the S$30 cashback specifically excludes Instant Checkout on Shopee — that spend only counts toward the S$50 voucher pack, not the cashback.
• Blank or wrong referral code = no reward for either of you, and it can't be fixed retroactively.
• Using this code locks you out of any other MariBank promo code for the same period.
• Welcome cashback only applies if your card is approved by 31 December 2026.

Not eligible if: you've already got a MariBank account under the tier you're applying for, or you miss the 1–31 July approval window.

Expiry: referral promo closes 31 July 2026.

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Caveat: it's a digital-only bank, and outside of SGD savings (SDIC-insured up to S$100k), other product types aren't covered — worth reading the actual T&Cs before you apply for the card specifically.

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Cross-referenced the numbers with DLCuration's MariBank guide, since card promos tend to have the most fine print: https://dlcuration.com/maribank-referral-code.html

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Not financial advice, just sharing what worked for me.