MariBank Referral Code 8ZUU96EA: Credit Card Bundle vs Loan Bundle

Both pay the same S$15 referral cash, but they're completely different products — here's how I'd choose between them.

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Code: 8ZUU96EA

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Mari Credit Card Bundle — S$15 cash, plus up to S$100 more:

• Includes a Mari Savings Account + credit card
• Unlocks a S$30 welcome cashback (min. S$300 spend in 30 days) or a S$70 Shopee voucher pack via Instant Checkout
• Best if you're going to be putting regular spend on a card anyway — the extra S$100 potential makes this the higher-total-value tier
• No ongoing repayment obligation — it's a spending tool, not a debt product

Instant Loan Bundle — S$15 cash, no additional bonus tier:

• Includes a Mari Savings Account + a personal loan product
• No extra "New User Rewards" stack like the credit card has
• Only makes sense if you have a genuine need for the loan — don't apply just to chase the S$15
• Comes with a repayment obligation, unlike the credit card bundle

Same process either way:

1. Download the MariBank app.
2. Apply for your chosen bundle — first-ever application for that specific tier.
3. Enter 8ZUU96EA in the Referral/Promo Code field.
4. Get approved within 1–31 August 2026.

Same rules apply to both:

• Must be applied for as the actual bundle, not separate applications.
• Code can't be fixed after submission.
• Can't be combined with other MariBank promo codes in the same window.

My honest take: unless you specifically need a personal loan right now, the Credit Card Bundle is the better pick purely on referral value — same S$15, but with a realistic path to S$100 more.

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Compared both tiers against DLCuration's MariBank breakdown before writing this: https://dlcuration.com/maribank-referral-code.html