Reduced fee for ACH (Automated Clearing House) or Direct Credit for transactions processed through Baiduri b.Digital Personal or Business effective 1 January 2024.


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

  • How to earn Bonus Points

    You will earn bonus points from your card spending. Depending on the type of card(s) you hold, a minimum spend per transaction and a multiplier will apply.

    • Classic - 2X
    • Platinum - 4X
    • Infinite - 5X
    • Prestige - 6X

    Refer to the Terms and Conditions here.

  • Converting Points to Cash Value 

    Bonus points earned from your Baiduri Credit or Debit Card spending will be automatically converted into cash value and credited to your Baiduri Instant Rewards Card on your card statement date.

    10 bonus points = BND 1

  • How to Redeem

    You can swipe your Baiduri Instant Rewards Card at 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, Royal Brunei Airlines – Convert BND20 worth of bonus points to redeem 1,000 Royal Skies miles.

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

    Redemption can be done by submitting your request at any Baiduri Bank branch.


  • Redeem your bonus points at participating merchants
  • Best rewards in town
  • Eligibility Criteria
  • Fees & Charges
  • Terms & Conditions
  • Frequently Asked Questions
  • Other Information
  • Eligibility Criteria

    Eligibility Criteria

    All Baiduri Personal Credit and Debit 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
    • BSP Mastercard Business Platinum Credit Card
    • Baiduri Mastercard Business Platinum Credit Card
    • Baiduri UnionPay Debit Card

  • Fees & Charges

    Fees & Charges

    Annual fee is waived.

  • Terms & Conditions
  • Frequently Asked Questions

    frequently asked questions

    How do I get a Baiduri Instant Rewards Card?

    If you hold an eligible Baiduri Credit or Debit Card, 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?

    It is free of charge for existing Baiduri Cardholders. If you want a personalized Baiduri Instant Rewards Card, 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 a Baiduri b.Digital Personal account, you can view and track balances.

    If your Instant Rewards Card is not linked to your Baiduri b.Digital Personal account yet, you may leave a message in the “Email to Bank” tab.

    Do my points expire?

    Your points will not expire for as long as your linked Baiduri Credit or Debit Card remains valid.

    Can my supplementary cardholder earn bonus points?

    Yes, and the bonus points will be reflected in the primary cardholder’s Instant Rewards account.

  • Other Information
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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.

To strengthen our online security measures, effective 8 January 2024, we will introduce the cooling period feature on our Baiduri b.Digital Personal web and mobile app to prevent unauthorised access.

Click here for more information.

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