MariCard Credit: fees, interest and requirements
The MariCard Credit has no annual fee, charges 3% a month on unpaid balances and needs a minimum income of ₱120,000 a year.
Verdict: Skip it if you are not in the group the bank invites or if you earn under ₱120,000 a year.
From MariBank Card Product Disclosure Sheet. Interest cap, in force since 2023: BSP Circular No. 1165, s.2023.
₱20,000 repaid in 3 equal monthly payments, plus a year of fees: ₱1,212. Not ranked, because not everyone can apply for it.
BSP supervised: Maribank Philippines, Inc., digital bank, BSP institution ID 211, is on the BSP Verifier list dated Sep 28, 2026.
What the MariCard Credit gives you
- 1% unlimited cashback on local in-store and local online spend; supermarket, drug store and fuel spend share a ₱3,000 monthly cashback cap. MariBank page
- Rack up unlimited cashback on eligible purchases and use it to instantly pay down your monthly bill. MariBank card page
- Use your card at physical stores anywhere in the world and pay absolutely no foreign exchange fees. same page
Who should get the MariCard Credit
| If | Then |
|---|---|
| MariBank has not invited you | You cannot apply for it. The cash back card with the lowest yearly fee that anyone can apply for is the PNB Cashback Titanium Mastercard. |
MariCard Credit downsides, and what a late payment costs
- MariBank offers this card by invitation, in the MariBank app, as a limited pilot.
If you pay late: MariBank charges up to ₱850, and 3% a month interest runs on what is unpaid. Safe action: pay at least the minimum due by the due date, or the full balance to pay no interest.
MariCard Credit annual fee, interest and charges
| Charge | MariCard Credit | When, and the rule |
|---|---|---|
| Annual fee | No annual fee | Fee table: Zero annual fees for lifeMariBank card page |
| Interest | 3% a month | At the BSP ceiling of 3% a month (Circ. 1165). same page |
| Cash advance | Not offered | MariBank does not offer cash advances or balance transfers on this card. MariBank card page |
| Late payment | ₱850 | PHP 850 or the unpaid MAD, whichever is lower. Charged if less than the minimum arrives by the due date. same page |
| Foreign transactions | See the rule | 2% DCC fee will be charged for all overseas online transactions only (Foreign currency transactions). Does not apply to local transactions and overseas in-store transactions.. MariBank fee page |
| Minimum income | ₱120,000 a year | Minimum gross monthly income of ₱10,000; proof of income may be required. MariBank card page |
Figures from MariBank Card Product Disclosure Sheet, MariBank Help Center, MariBank Fees & Rates. BSP ceilings: BSP Circular No. 1165, s.2023.
Requirements and how to apply
Interest on your own balance
- Interest you pay at 3% a month:
- ₱1,212
- Monthly payment:
- ₱7,071
- Total you pay:
- ₱21,212
Against similar cards from other banks
| Card | Annual fee | Interest a month | ₱20,000 over 3 months, plus fees | Minimum income |
|---|---|---|---|---|
| MariCard Credit MariBank | No annual fee | 3% | - | ₱120,000 a year |
| PNB Cashback Titanium Mastercard PNB | ₱2,500 a year first year free | 3% | ₱3,712 | ₱120,000 a year |
| PNB Ze-Lo Mastercard PNB | No annual fee | 2.5% | ₱1,008 | ₱120,000 a year |
| PNB Visa Classic PNB | ₱300 a year first year free | 3% | ₱1,512 | ₱120,000 a year |
Questions
What are the requirements for the MariCard Credit?
MariBank offers this card by invitation, in the MariBank app, as a limited pilot. At least ₱120,000 a year in income (about ₱10,000 a month).