MariBank Singapore · Account guide
MariBank Savings vs Credit Card Bundle: which should you choose?
If you only need a Savings Account, an eligible first application earns a S$8 referral reward. If you also need a Credit Card, an eligible first application for the card and Savings Account together earns S$15. Opening Savings first and applying for a card later does not earn a second referral reward.
Key facts
- Savings-only referral reward
- S$8
- Credit Card Bundle referral reward
- S$15
- Application rule
- Apply for the bundle products together in your first application.
- Referral code
- 8YVT49VP
Compare the two applications
The reward is only one difference. First check which products you need and whether you can meet the card’s application and repayment requirements.
Swipe the table to see all columns.
| Requirement | Savings Account only | Credit Card Bundle |
|---|---|---|
| Products in the same application | Mari Savings Account | Mari Savings Account and Mari Credit Card |
| Eligible referral reward | S$8 | S$15 |
| Minimum application age | 16 | 21 for the Credit Card |
| Approval | Identity and account checks apply | Card assessment also applies; approval is not guaranteed |
| Spending for the referral reward | No minimum deposit or spend is listed | Separate from card welcome cashback that requires spending |
| Repayment obligations | Use money in your account | Repay the card under its statement and terms |
Sources · Official November 2026 referral terms (PDF) · Mari Savings Account eligibility and interest · Mari Credit Card features and eligibility
Why the first application matters
Example one: your first application is Savings only, with 8YVT49VP, and qualifies for S$8. A later card application does not earn another S$15 or a top-up of the difference.
Example two: your first application includes the Credit Card and Savings Account together, with the code, and qualifies for S$15. You do not receive S$8 plus S$15. Each new customer can receive one referral reward.
If a card application is rejected or an account is still pending, ask MariBank about your application status and reward eligibility. Do not assume a rejected bundle automatically qualifies for another reward.
Sources · Official November 2026 referral terms (PDF) · MariBank help centre and Live Chat
Choose the products you need
If you need deposits, transfers and everyday payments, check the Savings Account features. Applicants aged 16 to 20 may meet the Savings age requirement but are below the minimum card application age.
If you already need a credit card, review eligibility, statements and repayment arrangements before considering the bundle. The difference between referral rewards is not a reason to take a card, loan or investment product you do not need.
Sources · Mari Savings Account eligibility and interest · Mari Credit Card features and eligibility
Referral rewards and card welcome offers
The card promotion page lists a S$50 Shopee voucher pack, while a footnote in the referral help page still says S$70. Check the vouchers available in your app and their terms. Do not add the two amounts together.
These benefits have separate conditions and are not guaranteed extras for entering a referral code. Clause 5.1 excludes other MariBank promo codes and their rewards, while allowing eligible third-party offers. Confirm which offers you can combine before applying.
Swipe the table to see all columns.
| Benefit | Amount or rate | Key conditions |
|---|---|---|
| Card welcome cashback | S$30 | Eligible new cardholders: spend at least S$300 within 30 days of card approval, excluding Shopee spend. |
| Shopee welcome voucher pack | S$50 listed on the promotion page | Mari Credit Card Instant Checkout only. Voucher minimum spends and expiry apply; the help-page amounts conflict. |
Sources · Current Mari Credit Card welcome offer · Official referral and additional-rewards guide · Official November 2026 referral terms (PDF)
Before submitting your first application
- Choose Savings only or the bundle containing both Savings and the Credit Card. Do not submit a different product application first just to register.
- Enter 8YVT49VP. App version 3.08 or later shows a separate code page after accepting the terms in the Singpass application flow. Version 3.07 or earlier requires the code to be applied before tapping Apply with Singpass.
- Check the selected products and code before submitting. Your eligible application must be approved by 30 November 2026.
Sources · MariBank’s referral code entry instructions · Official November 2026 referral terms (PDF)
Campaign conditions for both applications
The current campaign runs from 1 November 2026 to 30 November 2026, limited to the first 10,000 successful referrals. New customers must hold no MariBank Personal Banking account before the campaign starts, enter the correct code on their first application, and submit and get approved during the campaign.
Keep the qualifying accounts open and in good standing during the campaign and for 6 months after it ends. Instant credit is advertised, but the terms allow 2 months after the campaign ends or another period set by the bank. The credited reward cannot be withdrawn or transferred.
Sources · Official November 2026 referral terms (PDF) · Official referral and additional-rewards guide
Sources and historical evidence
This comparison uses official referral terms, product eligibility and code-entry instructions. No new bundle application was tested. The owner’s October 2026 screenshot below shows an earlier application screen; it does not prove current code acceptance or remaining November rewards.
- MariBank Singapore and app downloads
- Official November 2026 referral terms (PDF)
- Mari Savings Account eligibility and interest
- Mari Credit Card features and eligibility
- MariBank help centre and Live Chat
- Current Mari Credit Card welcome offer
- Official referral and additional-rewards guide
- MariBank’s referral code entry instructions
Frequently asked questions
Can I open Savings first and claim the card-bundle referral reward later?
No. The bundle must be submitted together in the first application. Opening Savings first and applying for a card later does not earn another bundle referral reward or a top-up.
Does the Credit Card Bundle earn S$8 plus S$15?
No. An eligible Credit Card Bundle earns S$15. Each new customer can receive only one referral reward.
Does the S$30 welcome cashback require spending?
Yes. The official promotion page requires eligible new cardholders to spend at least S$300 within 30 days of card approval, excluding Shopee spend. Other exclusions apply.
Can an existing MariBank personal banking customer participate?
The current referral offer is for new customers who held no MariBank Personal Banking account before the campaign started. An existing account does not meet that new-customer condition.
MariBank referral reward
MariBank referral code is 8YVT49VP. Use my code on your first application to receive S$8 for Savings or the Mari Invest Bundle, or S$15 for the Mari Credit Card Bundle or Instant Loan Bundle, if eligible. Apply and get approved by 30 November 2026.
Read the referral eligibility and signup guide
Code acceptance and remaining campaign places are unconfirmed. The reward cannot be withdrawn or transferred.