With effect from 31 October 2023, the Business I-Banking service will be terminated and will be replaced by our new Baiduri b.Digital Business service. To help you with your transition, email us at [email protected].


We have revised our Baiduri Instant Rewards Programme Terms and Conditions and it will take effect from 1 June 2023. Click here to read more.

With Baiduri Instant Rewards Programme, the rewards are endless. Redeem your dream rewards instantly at over 2,000 participating establishments nationwide. Best of all, your points never expire!

  • Bonus Points

    You will earn bonus points for all your card spending. Depending on the type of cards you hold, a minimum spending per transaction and a multiplier will apply.

    • Classic - 2X
    • Platinum - 4X
    • Infinite - 5X
  • Converting Points to Cash Value 

    Your bonus points will be automatically converted into cash value and credited to your Baiduri Instant Rewards Card on your card statement date. 

    10 Bonus Points = BND1

  • How to Redeem

    Swipe your Instant Rewards Card at any participating establishments upon payment. You can redeem as little or as much as you like, for whatever you like! 

    You can also redeem your rewards with travel miles 

    Royal Skies miles - Convert BND20 worth of bonus points to redeem 1,000 Royal Skies miles.

    Singapore Airlines KrisFlyer - Convert BND30 worth of bonus points to redeem 1,000 KrisFlyer miles.

    To redeem, you can do either one of the following:

    1. Fill in a form and simply submit your request at any Baiduri Bank branch
    2. Call our 24-hour Customer Helpline at 244 9666
    3. Send a message through b.Digital Personal


  • Redeem your points instantly and at participating merchants
  • Best rewards in town
  • Eligibility Criteria
  • Fees & Charges
  • Terms & Conditions
  • More Info
  • Eligibility Criteria

    Eligibility Criteria

    All Baiduri Cards are eligible except the following:

    • Baiduri Mastercard CashCard
    • Baiduri Visa Debit Card (with no points option)
    • Supa Save Visa Debit Card
    • Royal Brunei Visa Cards by Baiduri Bank

  • Fees & Charges

    Fees & Charges

    BND 15 one-time personalization fee (optional)

  • Terms & Conditions
  • More Info

    frequently asked questions

    How do I get a Baiduri 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 immediately.

    Are there any charges for the Instant Rewards the Card?
    The Instant Rewards Card is available to eligible Cardholders free of charge. If you want your Instant Rewards card personalized, a one-time fee of BND15 will apply.

    How do I know the current balance in my Baiduri Instant Rewards Card?
    You will be able to see your balance in your monthly Instant Rewards statement. If you have an online banking account with us, you will be able to keep track of your balance easily. If your Instant Rewards Card is not linked to your Baiduri b,Digital Personal account yet, you may request to do so by leaving a message in the “Email to Bank” tab.

    Do my points expire?
    Your points will not expire as long as your Baiduri Debit or Credit Card remains valid.

    Can my supplementary cardholder earn bonus points?
    Yes. Bonus points earned under supplementary card will be reflected in the primary cardholder’s Instant Rewards Account.

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Important update
19 September 2023

We would like to inform you that with effect from 31 October 2023, Business i-Banking service will no longer be operational, and this will be replaced with our new Baiduri b.Digital Business service.

If your company has not transitioned to b.Digital Business, please ensure that every existing user provides the following by 8 October 2023 through the Business i-Banking Inbox:
  • User’s full name
  • User’s valid Identification Card (IC) or Passport
  • User’s mobile number
  • User's company assigned email address (General company email is not accepted e.g., [email protected])

Alternatively, you can complete the b.Digital Business Amendment Form and submit the form(s) directly to Baiduri Digital Hub, Ground Level, Baiduri Bank Headquarters.

Every user will receive a notification email at their registered email address, once they have been migrated and activated on the b.Digital Business service.

Companies who have not moved to b.Digital Business after 31 October 2023 can re-apply as a new subscriber to the b.Digital Business service. This will require additional documentations to be submitted as part of the application. Refer “Required Documents” here.

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.

Important notice: We have updated the Baiduri b.Digital Personal mobile app on 21 August 2023.

If you have not logged in to your mobile app lately, you will be required to update the app when you open it.

If you have updated the app but have forgotten what your User ID is, you can retrieve it via one of the following:
• Visit Digital Hub at ground level, Baiduri Bank Headquarters
• Visit your nearest Baiduri Bank branch
• Call our 24-hour Customer Helpline at 2449666

If you have forgotten your password, you can reset it through the Baiduri b.Digital Personal web platform through the “Forgot Password” feature.

If you need further assistance, click here for a guide.
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