Mari Credit Card

[wutawa]

Haha. They started this for the March / June holidays then extended it till end of 2025
https://forums.hardwarezone.com.sg/threads/mari-credit-card.7032204/post-155446871

If you already have this card, can probably use it for your JB or overseas trip for this year. Then whip out your youtrip if you burst your limit

Can do repayment to "increase the limit"

 

[wutawa]

thanks for sharing. i just activated my overseas functions. going jb this sat to test on the promo. this mth i overspent my $500 credit limit. had to repay partially in adv to avoid the burst.

Oh.. i just applied recently, not too long, so i did not follow thread as i don't own the card during then

It was my 1st time using cc overseas. Money mind forum shares a lot of useful info.

 

[~sabaisabai~]

It was my 1st time using cc overseas. Money mind forum shares a lot of useful info.

Yes indeed

 

[peppermint7]

Oh.. i just applied recently, not too long, so i did not follow thread as i don't own the card during then

If you apply after July you are lucky cos they already implemented the tracker which makes it easier for you to get your $30 for $300 spend. I'm still waiting for $30 owed to me for my June spending

 

[peppermint7]

20 sep:
Money exchanger myr3.26
KFC myr30 SGD9.47 FX 3.16 (before cashback)
Cashback sgd0.28 FX 3.26 (after cashback)

Usually i pay in cash one. But some stores don't accept cash at all. I love the yoghurt ice cream at donno 2nd or 3rd level of Aeon Mall. There's where I need to use cc. I notice some standalone cafe kiosk likely don't accept cash. based on my recent experience at Sutera mall also the same. So it is good to have mari cc on hand.

 

[alex22]

Now that it allows IPP

Min of $50 singly or consolidated
3, 6, 9, 12 mth tenors
Processing fee starts at 1.5%

Will it be a challenger to SCB SMART CC and the OCBC Cashflo CC?

 

[alex22]

Usually i pay in cash one. But some stores don't accept cash at all. I love the yoghurt ice cream at donno 2nd or 3rd level of Aeon Mall. There's where I need to use cc. I notice some standalone cafe kiosk likely don't accept cash. based on my recent experience at Sutera mall also the same. So it is good to have mari cc on hand.

Why not use TNG. Got better offer at those stores, esp food

 

[peppermint7]

Why not use TNG. Got better offer at those stores, esp food

Not sure what that is..

 

[wutawa]

Not sure what that is..

https://www.touchngo.com.my/?srsltid=AfmBOopme4d6RYErCoeGxfownsR3jXb3omZ1Nh8B7MKIinnyokr6hPv1

 

[peppermint7]

https://www.touchngo.com.my/?srsltid=AfmBOopme4d6RYErCoeGxfownsR3jXb3omZ1Nh8B7MKIinnyokr6hPv1

Ohh I heard the staff ask me if I have it. I saw they sell at shopee but no idea what it is. Thanks for heads up.

 

[peppermint7]

Btw, I finally gotten my $30 liao. Though they really waited until 100 days then give. I'm glad I no need to chase

 

[alex22]

It's ok as a no FX card, but be careful which merchants you use it at.

FWIW, bus, mrt, lrt, monorail, ktm in Malaysia i didn't get Cashback.
Just for testing purposes for a trip each.
Cashback posting is slow, some slower than others I guess. Wait a few days see again.
Bus and LRT posted so far.

Back to TNG i go for this class of use

 

[sglandscape]

FWIW, bus, mrt, lrt, monorail, ktm in Malaysia i didn't get Cashback.
Just for testing purposes for a trip each.
Cashback posting is slow, some slower than others I guess. Wait a few days see again.
Bus and LRT posted so far.

Back to TNG i go for this class of use

Or use Trust card.

 

[~sabaisabai~]

https://forums.hardwarezone.com.sg/threads/mari-credit-card.7032204/page-23

Still don't quite understand how it works. I'll just skip using Maribank cc for now

 

[sibeiTrolled]

Still don't quite understand how it works. I'll just skip using Maribank cc for now

Which portion?

My comment on the promotion for waiver of the FCY or wutawa comment on how to "bypass" his 500 limit?

 

[wutawa]

Which portion?

My comment on the promotion for waiver of the FCY or wutawa comment on how to "bypass" his 500 limit?

actually my link is to the thread, not to any particular post.
he doesn't understand using Mari cc in overseas.

 

[~sabaisabai~]

Which portion?

My comment on the promotion for waiver of the FCY or wutawa comment on how to "bypass" his 500 limit?

Waiver of fcy. There's a fx transaction charge 3% and understand from Maribank cs there is unlimited cashback up to 4.5% and can use 3% to offset.

I'm trying to explore if it's worth using Maribank cc

 

[~sabaisabai~]

Today I bought something for USD19.80
Was charged S$26.21
Exchange rate S$ 1 = USD 0.778
Cashback S$0.76 which compensate the 3% foreign currency tranx fee.
Overall comparable to Youtrip. But if without this 3% cashback, I'll use youtrip for sure as Youtrip direct conversion shows S$1 = 0.7778 USD.
And Youtrip doesn't charge foreign transaction fees.

I got it. Understand now
So the cashback to offset the transaction fee. The cs told me still got 1.5% cashback. It'd upto 4.5% cashback

Most cc will charge fx transaction fees

 

[sibeiTrolled]

4.5% and can use 3% to offset.

Ya it's a play on words. In short they just offering waiver of FCY and being good guys by offering additional cashback

Most cc will charge fx transaction fees

You can treat this promotion similar to the trust CC, which already waive FCY and gives 1% Cashback on non boosted category

Ignore all the mari marketing bs and just purely look at the potential cashback, will it be more than what your other cards will be offering

 

[wutawa]

now I buy food in coffee shop also use Mari cc for cashback. it also helps to delay the payment (until cc statement).