MariBank credit card users are beginning to get another way to pay for their Shopee purchases as the platform gradually rolls out an installment payment option for eligible transactions.
Under the new setup, users will start seeing “Mari Credit Card” as a payment method when checking out eligible Shopee purchases. After selecting the option, cardholders can choose their preferred installment duration based on the terms available for the specific item and merchant.
The installment feature can offer payment terms of up to 12 months, while select merchants may provide 0% interest offers.
The gradual rollout gives MariBank Credit Card users another option for managing larger online purchases, particularly when paying the full amount upfront may not be convenient.
MariBank installment payments can extend up to 12 months
The installment duration available to a MariBank Credit Card user will depend on the purchase, item price and merchant offer.
Some transactions may offer shorter repayment periods, while others may qualify for terms of up to 12 months. Select merchants can also offer 0% interest installment deals, making the specific offer displayed during checkout an important factor for shoppers.
This means users should check the available terms for each purchase rather than assuming that every Shopee transaction will qualify for the same installment period or interest rate.
The option is particularly relevant for higher-value purchases, where dividing the cost across several months can give cardholders more flexibility in managing their monthly expenses.
Installment purchases do not earn the usual 1% cashback
The new payment option also comes with a different cashback treatment.
MariBank Credit Card installment transactions do not qualify for the card’s 1% cashback. Cardholders who choose to pay through installments should therefore weigh the benefit of spreading the purchase across several months against the cashback they could receive from an eligible regular card transaction.
By comparison, users who check out through the standard “Credit / Debit Card” payment method using their MariBank Card can continue to earn 1% cashback, subject to the applicable terms and conditions.
There is also a separate reward structure for Shopee’s one-month Buy Now Pay Later (BNPL) option, which provides 2% Shopee Coins cashback, according to the rollout information.
The different rewards make the choice of payment method more significant. A shopper may prefer a regular card transaction for cashback, BNPL for the Shopee Coins reward, or installment payments when spreading a larger expense is the priority.
Not every Shopee purchase will have the same offer
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MariBank Credit Card users should also expect installment availability to vary between purchases.
The option will depend on factors such as the item, purchase amount and participating merchant offer. As a result, a user may see installment choices for one product but not another.
The same applies to 0% interest offers. While some merchants may provide 0% installment deals, users should check the actual terms presented at checkout before confirming the transaction.
The checkout page will therefore remain the most important reference for determining whether an installment option is available and what repayment terms apply.
MariBank Credit Card gives shoppers another payment choice
The rollout adds another layer of flexibility for MariBank Credit Card users shopping on Shopee.
Instead of making a regular card transaction and paying the purchase through the usual billing cycle, eligible shoppers can choose an installment arrangement when one is available.
This can be useful for larger purchases where a consumer prefers to distribute the cost over several months. However, the convenience of installment payments does not change the underlying credit obligation. Cardholders still need to make the required payments according to the selected schedule.
Users should therefore consider the full repayment amount, applicable interest or fees, and their ability to meet future payments before choosing an installment plan.
MariCard credit limits can reach ₱400,000
The installment rollout comes as interest in MariBank’s credit card offering continues to grow.
MariCard credit limits can reach up to ₱400,000, subject to approval. The available credit limit, however, does not mean users should spend up to the maximum amount. The appropriate purchase amount and repayment option will still depend on each cardholder’s financial capacity.
For shoppers considering installment payments, the credit limit simply determines how much available credit they may potentially use. The actual installment options remain dependent on the specific Shopee purchase and merchant offer.
Check your Shopee checkout for availability
The MariBank Credit Card installment feature is being rolled out gradually, so users may not see the option immediately.
Cardholders can check eligible Shopee purchases and look for “Mari Credit Card” among the available payment methods. If installment is enabled for the transaction, the available repayment durations should be displayed before the order is completed.
For shoppers making larger purchases, the new option provides another way to manage payments while keeping the purchase within their existing credit facility.
As more MariBank Credit Card users gain access to the feature, installment payments could become another part of the growing connection between digital banking, credit and e-commerce in the Philippines.
For consumers, the key is to compare the available options at checkout. A regular card payment may offer 1% cashback, a one-month BNPL option may provide 2% Shopee Coins cashback, while an installment plan can offer the flexibility of spreading payments over several months.
The best choice ultimately depends on the purchase, the available merchant offer and the cardholder’s ability to repay.
