MariBank's 1% Cashback Abroad Is Back (Limited Time!)
It's back! Good news kung MariBank user ka: for a limited time, from November 1, 2026 to January 31, 2027, your MariBank debit and credit cards earn 1% cashback when you pay in-store abroad, with no foreign transaction fee on those purchases. Sakto for the holiday trips!
✅ Quick Summary
| What | Debit card | Credit card |
|---|---|---|
| Cashback abroad | 1% on in-store purchases | 1% on in-store purchases |
| Promo period | Nov 1, 2026 to Jan 31, 2027 | Nov 1, 2026 to Jan 31, 2027 |
| Card | MariBank Mastercard debit card, physical or virtual | MariBank credit card, physical or virtual |
| Monthly cap | ₱3,000 cashback, for the whole rewards program | ₱3,000/month combined for Supermarket/Groceries, Drugstores and Petroleum. No cap on other spend, including most overseas in-store purchases |
| Fee on overseas in-store purchases | None | None |
| Credited to | Your MariBank savings account | Your Rewards Wallet, which offsets your bill on the statement date |
| Terms & conditions | Debit Card Cashback T&C (PDF) | Credit Card Cashback T&C (PDF) |
💳 How It Works
- Pay with your MariBank card at a shop, restaurant or hotel registered outside the Philippines. It has to be an in-store purchase.
- Cashback is computed per transaction, on the final posted amount in pesos. A purchase that posts as ₱5,000 earns ₱50.
- Paying with Google Pay? MariBank says your debit card earns the same rewards there as the physical card.
- Debit card: the ₱3,000 monthly cap covers all your debit card cashback, local and overseas combined.
- Credit card: cashback is unlimited, except Supermarket/Groceries, Drugstores and Petroleum spend, which share a ₱3,000 monthly cap (T&C clause 3). The cap goes by merchant category, so a supermarket or drugstore purchase abroad likely counts toward it too. It goes to your Rewards Wallet, and the balance on your statement date (usually the 15th) is used against your bill.
- On both cards, rewards are credited net of withholding tax.
- Local purchases, in-store and online, earn 1% on the credit card. On the debit card the terms say "up to 1%" with no fixed local rate, so check the rate shown in your app.
❌ What Doesn't Count
- Overseas online purchases: no cashback, plus a 2% fee (since March 4, 2025)
- ATM withdrawals abroad: they're not purchases, so no cashback. MariBank lists international ATM withdrawals as free, but the ATM itself may charge a fee
- Quasi-cash: buying foreign currency, casino chips or travellers' cheques
- Other excluded categories: transportation, utilities, charities, government services, gambling, and fees and charges
- Reversed or disputed purchases: the cashback is deducted back
⚠️ Since transportation is excluded, train fares, taxis and transit-card top-ups may not earn cashback. It depends on how the merchant is classified. Yes, Taipei Metro gates accept contactless Mastercard cards, pero metro rides likely won't earn the 1%.
💡 Tip
When a card terminal abroad asks if you want to pay in pesos or in the local currency, choose the local currency. Paying in pesos lets the merchant set the exchange rate, which is usually worse. And keep a little cash for transport, since those rides likely won't earn anyway.
Hope this helps! More travels soon!
Sources: MariBank Debit Card Rewards Program T&C · MariBank Credit Card Rewards Program T&C · MariBank debit card · MariBank Fees & Rates · Taipei Metro: riding with a bank card