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How do I become a Baiduri Prestige member?
To qualify for Baiduri Prestige membership, you need to meet one of the following criteria:
- Assets Under Management (AUM): Maintain a total AUM of BND 100,000 in Current Accounts, Savings Accounts, Fixed Deposits, Certificates of Deposit, Bonds or Unit Trusts with Baiduri Bank, Baiduri Finance or Baiduri Capital.
- Total Financing: Have total financing of BND 500,000 and above. Meeting this criterion qualifies you for Baiduri Prestige membership for the duration of the loan tenor.
To sign up, visit any Baiduri Bank branch or any Baiduri Prestige Centre. -
Are there any additional fees and charges when I sign up for a Baiduri Prestige membership?
There are no additional fees and charges to sign up for Baiduri Prestige membership. However, if you no longer meet the eligibility criteria in the future, you can maintain your membership by paying an annual fee of BND1,200. Individual products and services may have specific fees and charges as outlined in their terms and conditions.
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What will I get as a Baiduri Prestige member?
As a Baiduri Prestige member, you will enjoy a wide range of exclusive benefits and privileges, including:
Personalised service and access to dedicated banking facilities
Dedicated Prestige Relationship Manager and access to Baiduri Prestige Centres at the following locations:
- Main Branch
- Kuala Belait Branch
- Seria Branch
Cards
Perpetual annual fee waivers on up to 3 of the following cards:
- Baiduri Prestige Mastercard World Debit Card
- Baiduri Prestige Visa Infinite Credit Card
- Royal Brunei Visa Credit Card (a choice between Infinite or Platinum)
Personal Loan
Consolidation Loan
Home Renovation Loan- Processing fee waived
- Preferential interest rates
Personal Overdraft
- Preferential interest rate of 8.5%
Home Ownership Loan
Home Refinancing Loan
Home Equity Loan- Processing fee waived
- Preferential interest rates
Over-the-Counter Remittances
50% discount on:
- Telegraphic Transfer Cable Charges
- Cashier’s Cheque Issuance Fee
- Standing Instruction Set Up Fee
Waivers on:- Handling Fee (for one-off manual account transfer)
- Letter of Reference
Foreign Exchange and Foreign Currency Deposits
- Preferential rates
Cash Withdrawal Limit
Higher daily cash withdrawal limit of BND 5,000 at Baiduri Bank ATMs
Unit Trust
1% discount on sales charge with a minimum placement of BND1,000 or equivalent in the respective currency.
For example:Regular Sales Charge
Sales Charge forBaiduri Prestige members
4%
3%
3%
2%
Lifestyle Privileges
- Exclusive invitations to lifestyle events, financial seminars and workshops
- Promotional offers at dining, shopping and beauty establishments
- Reserved parking at Baiduri Bank Main Branch
During promotional periods offering different benefits, Baiduri Prestige members can select their preferred benefit but cannot receive both benefits simultaneously, unless stated otherwise. -
What will happen to my Baiduri Prestige membership if I am not able to maintain the membership criteria?
If you no longer qualify for Baiduri Prestige membership, you will receive a notification letter to your registered address. You will have three (3) months from the date of the letter to top up your accounts to meet the minimum AUM balance and maintain your membership. If you do not meet this requirement within the given time frame, your membership will be cancelled.
Alternatively, you have the option to maintain your membership by paying an annual fee of BND1,200, even without meeting the membership criteria. If you choose to terminate your membership, simply notify your Prestige Relationship Manager at your preferred branch, and your membership will be cancelled three (3) working days after notification. -
Do all Baiduri Prestige members automatically get a Baiduri Prestige Mastercard World Debit Card?
Yes, all Baiduri Prestige members will automatically get a Baiduri Prestige Mastercard World Debit Card linked to their preferred account(s).
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Do all Baiduri Prestige members automatically get a Baiduri Prestige Visa Infinite Credit Card?
No, Baiduri Prestige members will need to apply for the Baiduri Prestige Visa Infinite Credit Card. Approval is subject to meeting the terms and conditions, and credit assessments.
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Do all Baiduri Prestige members automatically get a Royal Brunei Visa Credit Card?
No, Baiduri Prestige members will need to apply for the Royal Brunei Visa Credit Card with a choice of between Platinum or Infinite. Approval is subject to meeting the terms and conditions, and credit assessments.
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Can I apply for both the Royal Brunei Visa Platinum Credit Card and the Royal Brunei Visa Infinite Credit Card?
Yes, you can apply for both Royal Brunei Visa Credit Cards. However, perpetual annual fee waiver benefits apply only to the Royal Brunei Visa Infinite Credit Card, which is the higher-tier card.
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Can I earn bonus points as a Baiduri Prestige member?
Yes, Baiduri Prestige members can earn 6x bonus points on eligible spending with their Baiduri Prestige Mastercard World Debit Card or Baiduri Prestige Visa Infinite Credit Card. Bonus points are not earned with Royal Brunei Visa Credit Cards. Bonus points will be converted into cash value and credited to your Baiduri Instant Rewards Card. Contact your Prestige Relationship Manager to link your Baiduri Instant Rewards Card to your eligible cards or submit a request through the Baiduri b.Digital Personal messaging feature.
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What is Baiduri Prestige Family?
Baiduri Prestige Family is family members nominated by Baiduri Prestige members to enjoy selected benefits and privileges. The eligible family members are as follows:
Primary Baiduri Prestige member
Eligible family members
Married Individuals
Spouse and children
Single Individuals
Parents and siblings
A Baiduri Prestige members can nominate up to four (4) Baiduri Prestige Family members. Baiduri Prestige Family members must have a Savings or Current Account with Baiduri Bank or Baiduri Finance. -
What benefits and privileges do Baiduri Prestige Family members get?
Baiduri Prestige Family members can enjoy a range of exclusive benefits, including:
Benefits category
Family Benefits
Personalised service and access to dedicated banking facilities
Dedicated Prestige Relationship Manager and access to Baiduri Prestige Centres at the following locations:
- Main Branch
- Kuala Belait Branch
- Seria Branch
Credit Card
Each Baiduri Prestige Family member will be entitled to a Supplementary Baiduri Prestige Visa Infinite Credit Card with perpetual annual fee waiver, provided that the principal card account remains active.
Note that the principal cardholder can only have a maximum of four (4) supplementary cards. Baiduri Instant Rewards bonus points will accumulate under the principal card account.Debit Card
Each Baiduri Prestige Family member will be entitled to a Baiduri Prestige Mastercard World Debit Card that will be linked to their own personal account(s).
Personal Loan
Consolidation Loan
Home Renovation Loan- Processing fee waived
- Preferential interest rate
Home Ownership Loan
Home Refinancing Loan
Home Equity Loan- Processing fee waived
- Preferential interest rate
Over-the-Counter Remittances
50% discount on:
- Telegraphic Transfers Cable Charges
- Cashier’s Cheque Issuance Fee
- Standing Instructions Set Up Fee
Waivers on:- Handling Fee (for one-off manual account transfer)
- Letter of Reference
Foreign Exchange And Foreign Currency Deposits
Preferential rates
Cash Withdrawal Limit
Higher daily cash withdrawal limit of BND 5,000 at Baiduri Bank ATMs
Unit Trust
- 1% discount on sales charge with a minimum placement of BND1,000 or equivalent in the respective currency:
Regular Sales Charge
Sales Charge for Baiduri Prestige members
4%
3%
3%
2%
Lifestyle Privileges
- Promotional offers at dining, shopping and beauty establishments.
- Reserved parking at Baiduri Bank Main Branch
During promotional periods offering different benefits, Baiduri Prestige Family members can select their preferred benefit but cannot receive both benefits simultaneously. -
Are there any age restrictions for Baiduri Prestige Family?
Baiduri Prestige Family members must maintain a Savings Account or Current Account with Baiduri Bank or Baiduri Finance, which may have specific minimum age requirements.
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How can I nominate my family members to become a Prestige Family member?
To nominate family members for Baiduri Prestige Family membership, Baiduri Prestige member must complete a nomination form and obtain consent from family members by having them sign the form. Once completed, submit the form to any Baiduri Prestige Centre for processing. For more detailed guidance or further enquiries, please reach out to your Prestige Relationship Manager.
