MariBank appears to be preparing for the rollout of its credit card in the Philippines, with a beta version of the product now spotted by local credit card community KasKasan Buddies.
The first-look post showed the MariBank Credit Card beta inside the MariBank app, introducing a setup that allows users to use a single MariBank Card.
Through the feature, users may switch between debit mode, which uses their available MariBank balance, and credit mode, which uses an approved credit line.
One card, two ways to pay
The beta feature points to a more integrated card experience, where users no longer need separate cards for everyday spending and credit purchases. Instead, MariBank appears to be positioning the product as a single card that can support both direct account-based payments and credit transactions.
This could give MariBank a wider role in the digital banking space, especially as more consumers look for app-based financial products that combine savings, payments, rewards, and credit access in one platform.
MariBank Philippines, formerly SeaBank Philippines, operates as a rural bank with a mobile banking app that allows users to save, transfer money, make payments, and manage their finances digitally.
The bank is part of Sea Limited, the group behind Shopee, Garena, and Monee.
Credit card features listed by MariBank
MariBank’s official fees page already includes a section for credit card fees, indicating that the bank is preparing the product for users.
The listed fees show a 3% monthly interest rate, a ₱0 annual fee, ₱0 processing fee, ₱0 overlimit fee, ₱0 cancellation fee, and a late payment fee of ₱850 or the unpaid minimum amount due, whichever is lower.
For overseas transactions, MariBank lists a 2% dynamic currency conversion fee for overseas online transactions, whether charged in a foreign currency or Philippine pesos. The fee does not apply to local transactions and overseas in-store transactions.
The beta launch also comes as digital banks and fintech-led financial platforms continue expanding beyond deposits and transfers. Credit products, cashback, card payments, and app-based account controls are increasingly becoming part of the broader digital banking experience.
For now, MariBank has not yet made a broad public launch announcement for the credit card. However, the appearance of the beta feature and the presence of official credit card fee details suggest that the bank is moving closer to introducing the product to more users in the Philippines.
