0% Instalment Plan

Interest-free easy payment options

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 - 3% or minimum BND30

    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. 

I am interested to find out more


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*Note: We are currently rolling out our new online business banking service, Baiduri b.Digital Business to existing customers in phases. For users who have not yet received their new login credentials, please continue to access the Business i-Banking service for your online banking needs. For more information, please contact us at [email protected] or call 2268 637/8/9 during business hours.

Important notice: Our Business i-Banking service will be deactivated soon. To ensure continued access and a smooth transition to the new Baiduri b.Digital Business, please provide your full name, IC, email address and mobile number via Business i-Banking Inbox. If we do not receive updated details from all authorised users, your company will not be migrated to the new platform and a fresh application will be required. For assistance, contact us at [email protected] or call 2268 637/8/9 during business hours. Thank you for your cooperation.
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