MariBank Referral Code 8ZUU96EA (Oct 2026): Which Tier Is Worth It? S$8 vs S$15 vs S$95 Breakdown

MariBank Referral Code 8ZUU96EA

Promo window: 1 to 31 Oct 2026. You must be approved by 31 Oct, not just apply.

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MariBank’s “Refer And Get Rewarded” promo has four tiers, and they pay very differently. Here’s how I’d choose.

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The 4 tiers (same cash goes to you and your referrer)

1. Mari Savings Account: S$8 each. The simplest route, no bundle needed.
2. Mari Invest Bundle: S$8 each. Includes a Savings Account.
3. Mari Credit Card Bundle: S$15 each. The highest total payout.
4. Instant Loan Bundle: S$15 each. Only worth it if you actually need a loan.

Where the real money is: the Credit Card Bundle

The S$15 referral cash is only part of it. On this path you can also unlock up to S$80 in new user rewards:

1. S$30 welcome cashback: spend a minimum of S$300 on the Mari Credit Card within 30 days of card approval (this excludes Instant Checkout on Shopee). It’s credited separately, within 100 days of card approval.
2. S$50 Shopee voucher pack: for using Mari Credit Card Instant Checkout on Shopee.

Best case is roughly S$15 + S$80 = S$95. That only works if you were going to spend S$300 within 30 days anyway. Don’t spend extra to chase the cashback.

My quick decision guide

1. Just want free cash, no credit card: Mari Savings Account for S$8.
2. Already have S$300 of spending coming up (bills, groceries, Shopee orders): Credit Card Bundle.
3. Don’t need a loan: skip the Loan Bundle. S$15 isn’t worth borrowing for.

The 3 mistakes that cost you the reward

1. Leaving the “Referral / Promo Code?” field blank. The code can’t be added after you submit, and neither of us gets paid.
2. Applying for bundle components separately. Bundles must be applied for as one bundled application.
3. Closing the account soon after approval. Keep it open and in good standing.

You also need to be a new customer for that product, and a referral code can’t be combined with other MariBank promo codes. Third-party offers like Shopee vouchers and Mastercard promos still work.

Steps

1. Download the MariBank app (App Store or Google Play).
2. Choose your product tier.
3. Enter 8ZUU96EA in the Referral / Promo Code field.
4. Get approved before 31 Oct. The cash is credited to your Mari Savings Account.

Other things to know

• The Savings Account earns 0.88% p.a. base interest, daily, and up to 3.08% p.a. with the bonus interest promotion. Check the bonus conditions in the app, since rates can change.
• SGD deposits are SDIC-insured up to S$100,000, and the Savings Account has a S$100,000 deposit cap.
• Business owner? Referring a Mari Business Account pays S$28 instantly, each.

Full tier breakdown and T&Cs: https://dlcuration.com/maribank-referral-code.html

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Not financial advice. Rewards and rates are set by MariBank and can change. Check the in-app T&Cs before applying

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Questions about which tier fits you? Drop them below.