Mastercard Auto Direct Prepaid Cards - Prepaid Cards

OVERVIEW

Managing payments is effortless with your Baiduri Mastercard Auto Direct Prepaid Card. From Hire Purchase payments to internet purchases; online bill payments to online community group memberships, this card will fulfill your needs anywhere you go.

Key features & benefits

Specifically designed for Baiduri Finance Hire Purchase customers
Link up to 4 Hire Purchase accounts for convenient payment through ATM or Baiduri b.Digital Personal
Hassle-free Hire Purchase repayments with automated monthly debits
Baiduri Exclusives - Enjoy year-round dining, lifestyle and shopping privileges at participating range of outlets in Brunei.
Bonus points for all your spending. Bonus points earned are converted back to Baiduri Dollars and credited back to your Card
Set your own limit to minimise potential losses due to fraud

CARD INFORMATION

Getting Started
When can I start using my Baiduri Mastercard Auto Direct Prepaid Card?
You can start using your card the next working day after submitting your acknowledgement form.

If my Baiduri Mastercard Auto Direct Prepaid Card expires, can I get a new card without changing my card number?
Yes. As long as your Hire Purchase facility is still active, you can renew your card with the same card number.

Will I receive a monthly card statement?
No statement will be issued. However, you can view your statement online via Baiduri b.Digital Personal.

How do I link my Card to my Baiduri b.Digital Personal account?
Your Card should be automatically linked upon successful application. In the event it is not, please leave a message through INBOX in your Baiduri b.Digital Personal account and we will get it done.
Bonus Points
How do I redeem my bonus points?
Your bonus points will be converted to dollar value and credited back into your Baiduri Mastercard Auto Direct Prepaid Card. If you register your card under Baiduri b.Digital Personal, you can check your bonus points balance online.

How do I earn bonus points with my Baiduri Mastercard Auto Direct Prepaid Card?
You will earn bonus points for every payment transaction made with the card.
Hire Purchase Payment
How do I pay for my Hire Purchase using my the card?
You can make your Hire Purchase payment via any Baiduri ATM. Better yet, you can automate your Hire Purchase payments so the amount due can be deducted automatically from you card on a monthly basis. You will need to ensure there are sufficient funds in your card for that.

Alternatively, you can also pay via Baiduri b.Digital Personal by selecting the “Bill Payment by Card”, or via Baiduri Finance Mobile app which accepts payment with any locally issued card.

How do I pay using my Baiduri Mastercard Auto Direct Prepaid Card via ATM?
Insert your Baiduri Mastercard Auto Direct Prepaid Card into the ATM card slot and enter your PIN.
Go to “Bill Payment” and select “Hire Purchase”.
Your Hire Purchase Accounts will appear. Select the Hire Purchase Account to view details.
Select “Pay via Account” to debit the payment from your Baiduri Mastercard Auto Direct Prepaid Card.

How do I link another Hire Purchase account to the Card?
Simply visit your nearest Baiduri Finance or Baiduri Bank branch and complete the Card Instruction Form to link another Hire Purchase account.
Withdrawals
Can I withdraw cash at any ATM globally with the Baiduri Mastercard Auto Direct Prepaid Card?
Yes, as long as the ATM displays the Mastercard/Maestro/Cirrus logo.

If I use my Baiduri Mastercard Auto Direct Prepaid Card to withdraw cash from an ATM overseas, will my credit balance be deducted in Brunei dDollars or in the country’s currency?
Your credit balance will be deducted in Brunei Dollar, irrespective of where the cash withdrawal is made.

Are there any charges for withdrawing cash overseas with the Baiduri Mastercard Auto Direct Prepaid Card?
Yes. There is a BND3 fee for each cash withdrawal through a non-Baiduri ATM.
Top Up
How much can I top-up daily?
You can perform daily top-ups of up to BND5,000, Top-up amounts of BND1,000 and above must be done over the counter.

Is there a limit on the card balance I can maintain?
Yes, your card balance must not exceed BND10,000.

What is the minimum top up value?
There is no minimum top up value.

Where can I top up my Baiduri Mastercard Auto Direct Prepaid Card?
You can top up your card at any Baiduri Bank branch or Cash Deposit Machine (CDM) located at our branches or other off-site locations. If you have a Baiduri Bank account and your card is registered in Baiduri b.Digital Personal, you can also top up online.

Will there be any charges for not topping up my Baiduri Mastercard Auto Direct Prepaid Card?
No, but you must maintain a minimum balance of BND10 in your card at all times. This amount cannot be withdrawn or used.

How do I top-up if I’m overseas?
If you have a Baiduri Bank account and your card is registered in Baiduri b.Digital Personal, you can top up online. Alternatively, you can appoint a representative such as a family member to top up on your behalf at the nearest Baiduri Bank branch or CDM.

If you intend to use your card when you travel, please ensure there are sufficient funds in your card.
Balance Inquiry
Where can I check my Baiduri Mastercard Auto Direct Prepaid Card balance?
If your card is registered in Baiduri b.Digital Personal, you can check your credit balance online. Alternatively, you can check your card balance at any ATM carrying the Mastercard/Maestro/Cirrus logo.

Can I use my card to settle an amount that is higher than the available credit balance?
No, you must ensure that there is sufficient balance in your Baiduri Mastercard Auto Direct Prepaid Card as this card is not linked to a bank account. Neither does it offer credit like a credit card.
Lost or Stolen Cards
How do I report a lost or stolen card?
For lost card reports, please call 244 9666.

What will happen to my credit balance if my card is stolen?
Upon verifying that your card has been lost/stolen, we will transfer any remaining credit balance to your new card. A replacement fee will apply.

Who should I contact if I have enquiries about my Baiduri Mastercard Auto Direct Prepaid Card?
For any enquiries about your card, please call our 24-hour Customer Helpline at 244 9666. For Hire Purchase account related enquiries, please call Baiduri Finance at 242 6800.

Eligibility Criteria
Required Documents
Fees & Charges
Other Information

Eligibility Criteria

Eligibility Criteria
Must hold a valid Baiduri Finance Hire Purchase account
Required Documents

Required Documents
Copy of IC
Fees & Charges

Fees & Charges
No Annual Fee
Other Information

Other Information
Prepaid Card Application Form
Tariff of Charges for Cards

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