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What is the 0% Instalment Plan?
The 0% Instalment Plan is a flexible repayment scheme exclusively for all Baiduri credit cardholders, where you can convert your local credit card purchases into easy instalments of 12 or 24 months at 0% interest.
How can I take advantage of the 0% Instalment Plan
To take advantage of the 0% Instalment Plan you need to spend at least BND500 in a single receipt at a participating retail outlet in Brunei. Your purchase amount must not exceed the available credit limit on your card. |
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| You may apply for the 0% Instalment Plan in a few simple steps: |
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- Make your purchase at any of the participating outlets
- Ask for the 0% Instalment Plan Application Form at the point-of-purchase
- Complete and return the 0% Instalment Plan Application Form to the outlet
- Charge your purchase to your Baiduri credit card
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Where can I use the 0% Instalment Plan?
You can apply for the 0% Instalment Plan at over 100 participating retail outlets in Brunei. Simply look out for the 0% Instalment Plan sticker on display at participating outlets.
Will my credit limit be affected?
Yes. Once your application is approved, your available credit limit will be reduced by the amount of your purchase.
For example: |
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Available credit limit before 0% Instalment Plan:
BND5,000 |
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Purchase amount to be converted into Instalment:
BND2,500 |
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Available credit limit after 0% Instalment Plan:
BND2,500 |
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Your available limit will gradually return to the original amount as you make your regular repayments.
If you wish to request for an increase in your credit limit, please call Baiduri Card Centre at 2454187.
Are there any fees for the 0% Instalment Plan?
There will be a service fee of 3% of purchase amount or BND50, whichever is higher, that will be charged to your card account together with the first instalment. A processing fee of BND100 will apply for cancellation or early settlement of the 0% Instalment Plan.
At Baiduri, Bank, we aim to make a world of difference by offering global services with a local touch. After all, we are Bruneians too.
For more information, please visit your nearest Baiduri Bank branch or Baiduri Card Centre, or call 245 4187. |
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