MariCard Credit
MariBank · Mastercard
MariCard Credit
Why pick it: No annual fee for life, 0% FX at stores abroad
No-annual-fee card for selected MariBank users: 1% cashback on local spend, 0% FX at physical stores abroad, 2% on overseas online.
- Score
- 38 /100
- Status
- By invitation
- Annual fee
- Free for life
Thin data: the bank does not publish the income requirement. Check with the bank before you apply.
Free for life ang annual fee, per the page. Invite-only muna ito, ayon sa data.
Bottom line: Kung imbitado ka, kunin mo: free ang fee at simple ang card. Hindi namin makumpirma ang rollout, kaya tingnan mo sa MariBank app kung bukas ito sa iyo.
Read the full take: the math, what's good, what hurts
Sa spend ng typical household (~₱825k a year), kumikita ito ng ~₱5,500 na cashback, at ~₱500 ang net sa travel. Nasa 38 ang score nito.
The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.
What's good
- 0% forex fee sa physical stores abroad, per the page.
- Unlimited cashback, sabi ng page; 1% ito sa local purchases, galing sa data.
- One card para sa credit mode at debit mode.
What's bad
- Hindi bukas sa lahat: limited rollout ito sa select MariBank debit users, galing sa data.
- Capped sa ₱3,000 a month ang groceries, drugstores at fuel (combined) sa cashback T&C, kahit 'zero caps' ang sabi ng page.
- Per the T&C, walang cashback ang overseas purchases, transportation at utilities. Sa basa namin, kasama rito ang airfare at telco, kaya i-check muna.
- Ayon sa T&C, 'as may be determined by the Bank' ang rate, at sa example lang lumalabas ang 1%.
The catch: Hindi sinasabi ng page na invite-only ang card. Ang status na iyon ay galing sa data, kaya hindi namin makumpirma. The page doesn't say who gets invited either. Magtanong sa bank.
Rechecked on the bank page on 2026-10-24. Not on the page: who is invited; cashback rate; exclusions; ₱3,000 monthly cap on groceries, drugstores and fuel; income requirement. Our opinion, based on published terms. Not financial advice. The bank decides approval.
The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.
- Yearly value for a typical household:
- about ₱6,000 in rewards (₱5,500) and travel value (₱500), before the card's fees (no annual fee)
- To qualify:
- By invitation; Limited rollout: selected existing MariBank debit card users only (by invitation)
- Bank service:
- Better than typical.
Score breakdown, fees, rewards and perks
Score breakdown
- Yearly value22 / 63
These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored
- Rewards on the default spend12 / 37
About ₱5,500 a year in rewards on the typical household's spend, after caps and the foreign fee on foreign online spend. How the bars work
- Annual fee after waivers16 / 16
No annual fee. How the bars work
- Travel and perks on the default spend2 / 10
About ₱500 of travel value on one trip abroad a year, after the 0.00% foreign fee. How the bars work
- Promos and 0% installments2 / 15
0% installment network: weak. Promos: weak, judged by what a typical household would likely save from the promos this card gets, past and current, with 6 live promos tracked. How it is scored
- Points flexibility6 / 10
Cashback is simple to use but cannot move to an airline. How it is scored
- Credit limit and upgrade path3 / 5
No standard card level. The score also reflects how MariBank handles credit limit increases and card upgrades. How it is scored
- App and service4 / 5
Banking app: strong. Service: better than typical. How it is scored
- Late fee1 / 2
A late fee of ₱850 for one missed payment, or the unpaid minimum due if that is lower. How it is scored
On the default spend: about ₱5,500 a year in rewards and ₱500 in travel value.
Score over time
Total score and tier on each data date, on the default spend.
- Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
- Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
- Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
- Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
- Method changes
Fees and who can apply
- Annual fee
- Free for life
- Supplementary fee
- ₱0
- Fee waiver
- No annual fee
- Foreign transaction fee
- 0.00%
- Minimum income
- By invitation
- Also needs
- Limited rollout: selected existing MariBank debit card users only
Rewards
1% cash back on local in-store and local online spend, credited to your Rewards Wallet and taken off your bill. Utilities, transportation, government, gambling and overseas spend earn nothing. Open only to selected approved MariBank debit users.
Caps: ₱3,000 per month (groceries, drugstores, fuel)
- Type
- Cashback
- Points expiry
- none
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- None
Strengths
- No annual fee for life
- Low FX fee (0.00%)
Watch out for
- Rewards on groceries, drugstores and fuel capped at ₱3,000 a month
Live and upcoming promos (6)
As of Nov 11, 2026. Check each promo's source before you rely on it.
- MastercardEnds Mar 31, 2027Register firstAll Mastercard cards, any bank
- MariBankEnds Dec 31, 2026MariBank MariCard Credit
- MariBankEnds Jan 31, 2027MariBank MariCard Credit
- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
Show 1 more
- MastercardEnds Dec 31, 2026All Mastercard cards, any bank
What cardholders say (0)
Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.
No cardholder posts yet.