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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cash interest charges.**Cash interest charges are charges due to the cash advance that starts from the day the cash is withdrawn until the full cash advance amount is settled.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?
It is a card that accumulates all the bonus points earned from all your eligible credit and debit card purchases. It is converted into Brunei Dollars and can be used at over 2,000 participating merchants nationwide.
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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 Baiduri 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.
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Statements
1. How will I receive my card statement?
- Credit Card - A monthly e-statement is sent to your registered email address free of charge.
- Debit Card - Transactions are reflected in the monthly e-statement of your linked account, which is sent to your registered email address free of charge.
- You can also view and download your statements anytime via Baiduri b.Digital Personal (web and mobile app).
- Physical statements are available upon request at branches, subject to retrieval fees as per the General Tariff.
2. What if there is an error on my card statement?- Report within 14 days of the statement date via b.Digital Inbox or call our 24-hour Customer Helpline at (673) 244 9666.
- Pay the disputed amount by the due date to avoid finance charges (for credit cards).
- If the dispute is resolved in your favour, the amount will be credited back to your account.
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Payments
3. How can I pay my credit card bill?
Payment method
How to pay
Cash/cheque at branches
- Pay by cash or crossed cheque payable to your name.
- If paying by cheque, write your name and 16-digit credit card account number on the back.
- Use a separate bill payment slip for each account.
ATM / CDM
- Pay at any Baiduri Bank ATM or CDM.
b.Digital Personal
- Pay online via b.Digital Personal (web or mobile app).
Direct Debit (Standing Instruction)
- Set up an automatic debit from your Baiduri Bank account at Baiduri Bank branches or via b.Digital Personal.
- Ensure sufficient funds are available to avoid failed payments or fees.
4. How much payment do I need to make?- You are required to pay the full outstanding balance by the due date.
- If you are unable to pay in full, you must pay at least the minimum payment, which is 8% of your outstanding balance or BND 10, whichever is higher.
5. What happens if I miss the due date?
If you miss your credit card payment due date, the following will apply:- Late payment fee: BND 35 per month
- Finance charge: 1.5% per month (calculated daily) on your outstanding balance and new transactions from the posting date
6. What happens if there are not enough funds for my payment?
If your payment fails due to insufficient funds, the following may apply:- Failed standing instruction: Administration fee of BND 15 per card account
- Returned cheque: Fee of BND 100
- Late payment fee: BND 35 per month (applies if payment is not received by the due date)
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Cash advances
7. Can I withdraw cash from my Baiduri Credit Card?Yes, you can withdraw cash at any Visa or Mastercard ATM worldwide. The following will apply:
- Cash advance fee: 3% or BND 10 (whichever is higher)
- Finance charge: 1.5% per month, calculated daily from the posting date until the amount is fully repaid
8. What is my cash advance limit?Up to 100% of your available credit limit. -
Lost or stolen cards
9. What if my card is lost or stolen?
- Report it immediately by calling our 24-hour Customer Helpline at (673) 244 9666.
- Your card will be blocked to prevent unauthorised transactions.
- A replacement card can be requested at any Baiduri Bank branch.
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0% Instalment Plan
10. What is the 0% Instalment Plan?Convert purchases into equal monthly instalments with no interest, provided you pay at least the minimum amount due on your credit card each month. The following will apply:
- Processing fee: 3% or minimum BND 30
- Early settlement fee: BND 100
11. Is there a cut-off time to apply for the 0% Instalment Plan?- Requests submitted at least 7 working days before the next statement date will be processed and reflected in the upcoming statement.
- Requests submitted after the cut-off will be processed and reflected in the following month’s statement.
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Fees and charges
12. Where can I find details on card fees and charges?
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Baiduri Instant Rewards Card
13. What is a Baiduri Instant Rewards Card?
- A card that collects bonus points from eligible Baiduri Credit and Debit Card purchases.
- Bonus points are converted into Brunei Dollars and can be used at over 2,000 participating merchants nationwide.
14. How do I get an Instant Rewards Card?- If you hold an eligible Baiduri Debit or Credit Card, you may request an Instant Rewards Card at any Baiduri Bank branch.
15. Are there any charges for an Instant Rewards Card?- Free for eligible cardholders.
- Personalisation is optional for a one-time fee of BND 15.
16. How can I check my Instant Rewards balance?- A monthly Instant Rewards e-statement is sent to your registered email address free of charge.
- If your account is linked, you can also view your balance via b.Digital Personal (web or mobile app).
17. Do bonus points expire?- No, as long as the linked card remains valid.
18. Can my supplementary cardholders earn bonus points?- Yes. Bonus points earned by supplementary cardholders are added to the principal cardholder’s account.
19. Where can I use my Instant Rewards Card?- At any participating merchant equipped with a point-of-sale (POS) terminal that accepts the Baiduri Instant Rewards Card.
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Other card benefits
20. What is Baiduri Deals?
- A rewards programme offering discounts and privileges to Baiduri Credit and Debit Cardholders at selected participating merchants.
Find out more by clicking here.
- A rewards programme offering discounts and privileges to Baiduri Credit and Debit Cardholders at selected participating merchants.
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Contact us
21. Who can I contact for general enquiries on my Baiduri Credit or Debit Card?
- You can call our 24-hour Customer Helpline at (673) 244 9666 or email us at [email protected].
- You can call our 24-hour Customer Helpline at (673) 244 9666 or email us at [email protected].
