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0% Instalment Plan
Interest-free easy payment options

OVERVIEW
Enjoy up to 24 months of affordable instalments – interest free*! From online purchases, home furnishings, electrical appliances and mobile devices, you can now manage your payments with flexibility and ease.

Key Features & Benefits

  • Convert your credit card purchases into easy instalments of 6, 12, 18 or 24 months at 0% interest*
  • Purchases must be a minimum of BND300 (or equivalent) in a single receipt
  • Flexible payment plans 
  • Pay zero interest*

* Applicable if credit card minimum payment is settled in full each month.

  • Eligibility Criteria
  • Fees & Charges
  • Terms & Conditions
  • More Info
  • Eligibility Criteria

    Eligibility Criteria

    Credit Card purchases of at least BND300 (or equivalent) in a single receipt.

    Requests to convert transactions must be submitted within 3 months from the date of transaction. We encourage requests to be submitted before your next statement date.

  • Fees & Charges

    Fees & Charges

    One-time processing fee is applicable as follows:

    Classic and Gold - 3% or minimum BND30

    Platinum - 3% or minimum BND30

    Infinite - BND30 flat

    A processing fee of BND100 applies for cancellations or early settlement.

  • Terms & Conditions
  • More Info

    More Info


    How do I apply for a 0% Instalment Plan?
    There are several ways:

    • Apply for 0% Instalment Plan through your Baiduri b.Digital Personal account
    • Contact Baiduri Bank Customer Helpline to convert your transaction into 0% Instalment Plan 
    • Request for the 0% Instalment Plan application form at point of purchase (applicable at selected merchants only) 



    Is there any cut-off time to apply or submit a 0% Instalment Plan request?
    Any requests received 7 working days before the next credit card statement date will be processed and included in the upcoming statement cycle. Requests received later than the stipulated time frame above will only be included in the following month’s statement. 


    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:

    Available credit limit before 0% Instalment Plan: BND5,000

    -

    Purchase amount to be converted into instalment: BND2,500

    =

    Available credit limit after 0% Instalment Plan: BND2,500

    Your available limit will gradually return to the original amount as you make your regular repayments. 

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Contact our customer support team if you have any further questions. We are here to help you.

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