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What is the minimum payment for Baiduri Credit Cards?
8% of outstanding balance, plus monthly instalment amount, if any.
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Are there any interest-free days?
Yes. Up to 50 days. It is interest-free only for customers who choose to settle their bills in full.
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Can I withdraw cash from an ATM using Baiduri Credit Card?
Yes, you may do so at any Visa, Mastercard affiliated ATMs worldwide. There will be a one-off cash advance fee of 3% or BND10 whichever is higher plus cash interest charges.**Cash interest charges are charges due to the cash advance that starts from the day the cash is withdrawn until the full cash advance amount is settled.
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What is the cash advance (cash withdrawal) limit for Baiduri Credit Cards?
You are allowed to withdraw up to 100% of your card available credit limit.
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What do I do if I lose my card?
For your protection, please lodge a lost card report immediately to our 24-hour Customer Helpline at 244 9666.
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If I have any queries on my credit card, who shall I contact?
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What is the 0% Instalment Plan?
It is a flexible repayment scheme whereby credit card purchases can be converted into easy instalments at 0% interest.
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Is there any cut-off time to apply or submit a 0% Instalment Plan request?
Any instalment plan request received 7 working days before the next Statement Date will be processed and reflected in the upcoming statement. Instalment plan requests received later than the stipulated time frame above will be reflected in the following month's statement.
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I have an account with Baiduri Bank and/or Baiduri Finance, how can I pay for my credit card bill?
You can pay via “Bill Payments” through Baiduri b.Digital Personal web or mobile app. Additionally, you may also pay via our ATMs or at any of our branches.
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I do not have an account with Baiduri Bank or Baiduri Finance, how can I pay for my credit card bill?
You can pay via our CDMs (cash deposit machines) or at any of our branches.
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What is a Baiduri Instant Rewards Card?
Baiduri Instant Rewards that allows Baiduri Cardholders to earn bonus points on retail purchases, such as Point-of-sale (POS) and online purchases. These bonus points will be automatically converted into cash value and credited to your Baiduri Instant Rewards Card on your card statement date at the rate of 10 bonus points = BND1.
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How do I get an Instant Rewards Card?
If you hold an eligible and valid Baiduri Debit or Credit Card, simply visit your nearest Baiduri Bank branch and your Instant Rewards Card will be issued to you immediately.
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Are there any charges for an Instant Rewards Card?
The Instant Rewards Card is available to eligible Cardholders free of charge. However, if you want your Instant Rewards personalised, a one-time fee of BND15 will apply.
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How do I know the current balance in my Instant Rewards Card?
You will be able to see your balance in your monthly Instant Rewards statement of accounts. If you have an online banking account with us, ensure your Baiduri Instant Rewards Card is linked and you will be able to keep track of your balance easily.
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Do my bonus points expire?
Your points will not expire for as long as your linked Baiduri Debit or Credit Card remains valid.
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Can my supplementary cardholder earn bonus points?
Yes. The points earned from Supplementary Card spending will be pooled under the Principal Cardholder's Instant Rewards account.
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Where can I use my Baiduri Instant Rewards Card?
You can use your Instant Rewards card at any Baiduri merchant of your choice to pay for any goods or services.
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What is Baiduri Deals?
Baiduri Deals is a reward programme which offers discount and privileges to Baiduri Credit and Debit Cardholders.