SPEND MORE, WIN MORE THIS RAYA - Promotions

SPEND MORE, WIN MORE THIS RAYA

Make this Raya rewarding.

Get chances to win this Raya by spending with your Baiduri Mastercard Credit or Debit Card. You could win 80,000 Enrich Points, Trip.com vouchers, TUMI backpack, shopping vouchers from UNIQLO
Malaysia, lululemon Malaysia and H&M Malaysia. You could also win worth up to MYR450 of Shopee Malaysia vouchers and other amazing monthly
prizes. Promotion is valid until 13 August 2026.

APPLY NOW

Terms and Conditions
Frequently Asked Questions

Terms and Conditions
Terms and Conditions
Spend more, win more promotion terms and conditions

1. Terms

1.1 The Spend more, win more promotion (the “Promotion”) is organised by Baiduri Bank Sendirian Berhad (the “Bank”) and Mastercard, and is subject to the following terms and conditions (the “Terms”).

1.2 Participation in the Promotion constitutes acceptance of these Terms.

2. Promotion Period

2.1 This Promotion is valid from 13 February 2026 to 13 August 2026, both dates inclusive, or such other date(s) as the Bank may determine at its discretion (the “Promotion Period”).

3. Eligibility

3.1 This Promotion is open to new and existing customers of the Bank who hold any of the following cards (“Eligible Cards”):

• Baiduri Prestige Mastercard World Debit Card
• Baiduri Smart Mastercard Platinum Debit Card
• Baiduri Mastercard Standard Credit Card
• Baiduri Mastercard Platinum Credit Card

Each customer who holds and uses an Eligible Card in accordance with these Terms is referred to as an “Eligible Cardholder”.

3.2 To remain eligible throughout the Promotion Period, the Eligible Card must be valid, active, and in good standing, as determined by the Bank. Cards that are cancelled, suspended or terminated during the Promotion Period will not qualify.

3.3 Employees of the Bank, Baiduri Finance Berhad, and Baiduri Capital Sendirian Berhad are not eligible to participate in the Promotion.

4. Promotion Mechanics

4.1 The following transactions are eligible for this offer:
• Local spending: Any transaction made with an Eligible Card via a point-of-sale terminal or QR within Brunei.
• Online spending: Any e-commerce transaction made with an Eligible Card that is not made via a point-of-sale terminal.
• Overseas spending: Any transaction made with an Eligible Card outside Brunei via a point-of-sale terminal.

5. Spend and Get Offer

5.1 Eligible Cardholders who meet the monthly spend requirement during the Promotion Period will receive Shopee Malaysia vouchers, subject to availability, as follows:

Tier
Monthly spend requirement
Reward
Tier 1
BND400 to below BND800

MYR60 Shopee Malaysia voucher (first 350 customers)
Tier 2
BND800 to below BND2,000

MYR150 Shopee Malaysia voucher (first 80 customers)
Tier 3
BND2,000 and above
MYR450 Shopee Malaysia voucher (first 10 customers)
Eligible Cardholders with monthly spend below BND400 are not eligible for voucher rewards.

5.2 Each Eligible Cardholder is entitled to one (1) voucher per month only.

5.3 Vouchers will be issued by Shopee Mobile Malaysia Sdn Bhd within forty-five (45) days after the end of each qualifying month as follows:
Month 1
13 February 2026 to 12 March 2026
Month 2
13 March 2026 to 12 April 2026
Month 3
13 April 2026 to 12 May 2026
Month 4
13 May 2026 to 12 June 2026
Month 5
13 June 2026 to 12 July 2026
Month 6
13 July 2026 to 13 August 2026
5.4 Eligible Cardholders will be notified via their registered phone number with instructions on how to redeem the voucher.

5.5 Vouchers are non-transferable, non-exchangeable, and not redeemable for cash or credit. The Bank may substitute the voucher with a reward of similar value.

5.6 Voucher redemption is subject to Shopee Mobile Malaysia Sdn Bhd’s terms and conditions. Any disputes relating to voucher usage must be resolved directly with Shopee.

6. Monthly Draw

6.1 During the Promotion Period, Eligible Cardholders will earn one (1) lucky draw chance for every cumulative spend of BND100 using an Eligible Card on eligible transactions as set out in Clause 4.1, subject to the monthly spend tiers below. Additional bonus lucky draw chances will be awarded where the applicable overseas spend threshold is achieved.
Tier
Monthly spend requirement
No. of chances
Bonus chances
(overseas spend)
Tier 1
Below BND400

1 chance per BND100
Not eligible
Tier 2
BND400 to below BND800

1 chance per BND100
5 chances with overseas spend of at least BND400
Tier 3
BND800
to below BND2,000

1 chance per BND100
25 chances with overseas spend of at least BND800
Tier 4
BND2,000
and above

1 chance per BND100
100 chances with overseas spend of at least BND2,000
6.2 A total of eighteen (18) winners will be randomly selected across six (6) Monthly Draws to win prizes including electronics, travel essentials, lifestyle vouchers, and home appliances:

Month 1 – Electronics
• Apple iPhone 17 Pro 256 GB and Apple AirPods Pro 3 (1 winner)
• Nintendo Switch 2 (1 winner)
• DJI Osmo Nano 64GB (1 winner)

Month 2 – Travel essentials
• 80,000 Enrich Points (1 winner)
• Trip.com voucher for flight purchase worth BND500 (1 winner)
• TUMI backpack - Alpha Bravo (1 winner)

Month 3 – Lifestyle vouchers
• UNIQLO gift card worth MYR2,100 (1 winner)
• lululemon gift card worth MYR1,200 (1 winner)
• H&M Malaysia gift card worth MYR600 (1 winner)

Month 4 – Home appliances
• Samsung 65” QLED Smart TV (1 winner)
• Dyson V12s Detect Slim Submarine (1 winner)
• Marshall Acton III Speaker (1 winner)

Month 5 – Travel essentials
• RIMOWA cabin luggage (1 winner)
• TUMI cabin luggage (1 winner)
• Trip.com voucher for Hotel booking worth BND500 (1 winner)

Month 6 – Lifestyle vouchers
• UNIQLO gift card worth MYR2,100 (1 winner)
• lululemon gift card worth MYR1,200 (1 winner)
• H&M Malaysia gift card worth MYR600 (1 winner)

6.3 In the event that any stated prize is unavailable for any reason, the Bank reserves the right to substitute the prize with another item of similar value, without prior notice.

6.4 Prizes will be issued by the Bank one and a half (1.5) months after the end of each qualifying month as follows:
Qualifying month
Qualifying month
Month 1
13 February 2026 to 12 March 2026
Month 2
13 March 2026 to 12 April 2026
Month 3
13 April 2026 to 12 May 2026
Month 4
13 May 2026 to 12 June 2026
Month 5
13 June 2026 to 12 July 2026
Month 6
13 July 2026 to 13 August 2026
6.5 The draws will be conducted using an electronic system within one and a half (1.5) months after each qualifying period or such other date(s) as the Bank may determine at its discretion.

6.6 Winners will be contacted via their registered phone number(s) within one and a half (1.5) months after each Draw Date to collect their prize. The Bank reserves the right to draw reserve winners in the event of disqualification or non-response.

6.7 Winners from each Monthly Draw are not eligible for subsequent Monthly Draws. Any chances accumulated by Monthly Draw winners within the respective winning month will be forfeited and cannot be carried forward to the following month.

6.8 Winners from the Monthly Draws are eligible for the Grand Lucky Draw.

6.9 Trip.com vouchers are issued in SGD and are subject to the terms and conditions of Trip.com. Vouchers may be used to redeem eligible pre-bundled flight and hotel bookings only. Any disputes relating to voucher usage must be resolved directly with Trip.com. For more information, please refer to Trip.com’s official website here.

7. Grand Lucky Draw

7.1 The Grand Lucky Draw will be conducted electronically within one and a half (1.5) months after the Promotion Period or such other date(s) as the Bank may determine at its discretion.

7.2 Three (3) winners will be randomly drawn to win the following prizes:
Tier
No. of winners
No. of chances
First Prize
One (1)
Trip.com voucher worth BND7,000
RIMOWA cabin luggage
RIMOWA travel pouch
Second Prize
One (1)
Trip.com voucher worth BND5,000
RIMOWA cabin luggage
RIMOWA travel pouch
Third Prize
One (1)
Trip.com voucher worth BND3,000
RIMOWA cabin luggage
RIMOWA travel pouch
7.3 Trip.com vouchers are issued in SGD and are subject to the terms and conditions of Trip.com. Vouchers may be used to redeem eligible pre-bundled flight and hotel bookings only. Any disputes relating to voucher usage must be resolved directly with Trip.com. For more information, please refer to Trip.com’s official website here.

7.4 Winners will be contacted via their registered phone number(s) within one and a half (1.5) months after the Promotion Period to attend the prize presentation event.

7.5 If the winners are unable to attend in person, the authorised representative must present the original duly signed authorisation letter from the winner, a signed and dated copy of the winner’s identity card, and the authorised representative’s original identity card at the point of collection.

7.6 Prizes from the Grand Lucky Draw are not transferable, exchangeable, refundable, or redeemable for cash or credit, in whole or in part.

7.7 The Bank may draw reserve winners to replace disqualified or ineligible winners.

7.8 By participating in the Promotion, Eligible Cardholders consent to the publication of their names for promotional purposes, including winner announcements, in accordance with Clause 8.5 below.

8. General

8.1 This Promotion is subject to the Bank’s terms and conditions related to the products and any other documents forming the banking agreement.

8.2 The Bank may suspend, terminate, or amend these Terms for valid reasons, at any time with reasonable notice.

8.3 The Bank’s determination of all matters relating to the Promotion shall be final and conclusive.

8.4 In the event of any inconsistency between these Terms and any promotional materials, these Terms shall prevail.

8.5 By participating in the Promotion, Eligible Cardholders consent to the collection, use, and disclosure of their personal data by the Bank and its appointed service providers for the purpose of administering the Promotion and prize fulfilment, including the verification of winners and announcement of winners, in accordance with the Bank’s prevailing privacy notice, as amended from time to time. A copy of the privacy notice is available at www.baiduri.com.

8.6 These Terms shall be governed by and construed in accordance with the laws of Brunei Darussalam.
Frequently Asked Questions

Frequently Asked Questions
1. Shopee Malaysia (Shopee MY) voucher redemption

1.1 Where can I redeem my Shopee MY voucher/promo code ?
You can redeem your voucher/promo code via:
- Shopee Malaysia website: https://shopee.com.my/
- Shopee Malaysia app (available on the Apple App Store and Google Play Store)

1.2 How do I access Shopee MY if I am in Brunei?
The steps below are provided for general guidance only. Shopee’s platform requirements are subject to change and are outside the Bank’s control.

(a) Option 1: Web browser
• Visit https://shopee.com.my/
• Sign up using your Brunei mobile number (including country code +673). A verification code will be sent via phone call.
• Once registered, add your Brunei delivery address under My Account > Address and set it as default.
• During checkout, enter your Shopee MY voucher/promo code.
• Ensure your Brunei address is reflected on the check-out page.

(b) Option 2: Shopee Malaysia on Apple Store (iOS)
• Search for and download the Shopee Malaysia app
• If your Apple ID is set to another region, you may need to change it to Malaysia.

Please note that changing your Apple ID country or region is subject to Apple’s terms and conditions and is outside the Bank’s control.

1.3 How do I apply my Shopee MY voucher/promo code?
You may apply your voucher/promo code via:
- Voucher Wallet (Me > My Vouchers > Redeem Voucher Code), or
- Checkout page (Add items to cart > Tap Apply Voucher > Enter promo code)

You must enter the exact voucher/promo code issued to you. Each code is unique, for one-time use only, and must not be shared.

1.4 Will Shopee MY deliver items to Brunei?
Yes, provided that:
- the seller offers international shipping, and
- your Brunei address is correctly saved in your Shopee MY profile.

Shipping availability and fees may vary by seller.

1.5 What are the rules on voucher validity and usage?
The Shopee MY voucher:
- is valid for six (6) months from the date of issuance
- is applicable to both new and existing Shopee MY users.
- is for one time use only, regardless of the number of accounts owned.
- is valid for Mall and Preferred Sellers only.
- must be used in a single transaction only (any unused value will be forfeited).
- is invalid upon expiry and no extensions will be granted.
- is non-refundable, non-transferable, not redeemable for cash, and not exchangeable for a higher value voucher.
- not stackable with other promotions, except Shop Vouchers.

1.6 What items are excluded from voucher usage?
The voucher cannot be used for the following categories:
- Infant Milk (0–6 months)
- Follow on Milk (6–12 months)
- Jewellery
- Tickets and vouchers
- Mobile reloads and SIM top ups
- Gaming top ups
- S-Mart Milo
- One or Not by Shopee Store
- MMA Foundation Store products
- PETRONAS and Setel fuel cards
- Gift cards and E vouchers

1.7 What should I do if the voucher/promo code does not work?
Please check that:
1. You are using Shopee MY, not Shopee BN
2. The item category is eligible
3. The seller is a Mall or Preferred Seller
4. The voucher has not been used previously
5. The voucher has not expired

If the issue persists, please contact Shopee Malaysia at [email protected]

1.8 Can Shopee MY amend or cancel the promotion?
Yes. Shopee MY reserves the right to amend or cancel the promotion at any time. The Bank shall not be responsible for any changes made by Shopee MY to its platform, terms, or promotion mechanics.

2. Gift cards by UNIQLO, H&M Malaysia and lululemon

Gift cards are issued and governed by the respective merchants’ terms and conditions.

2.1 How can I redeem my gift cards?
Merchant
UNIQLO
H&M Malaysia
lululemon
Redemption details
In-store only at Malaysia outlets (nearest outlet: Miri, Sarawak)
In-store only at H&M and H&M Home Malaysia outlets (nearest outlet: Miri, Sarawak)
In-store or online via the Malaysia website (nearest physical outlet: Kuala Lumpur)
2.2 How long is the validity period?
Merchant
UNIQLO
H&M Malaysia
lululemon
Validity
Twelve (12) months from date of issuance
Two (2) years from date of issuance
Two (2) years from date of issuance
2.3 Can I combine the gift card with other payment methods?
Yes, subject to merchant terms:
Merchant
UNIQLO
H&M Malaysia
lululemon
Merchant terms
Can be combined with other payment methods.
Can be used as full or partial payment and remaining balance will be shown on the receipt.
Multiple payment methods allowed, except PayPal. Gift cards cannot be used to purchase other gift cards.
2.4 Can I refund my purchase made with my gift card?
Merchant
UNIQLO
H&M Malaysia
lululemon
Merchant terms
Refunds are not allowed.
Refunds are not allowed.
Refunds, where permitted, will be credited back to the gift card balance.
2.5 How can I check my gift card balance?
The remaining balance will be reflected on your receipt after each purchase.
For UNIQLO and lululemon online purchases (where applicable), the balance is updated after each transaction.

2.6 Can lost or damaged gift cards be replaced?
No. Gift cards are non-replaceable, non-refundable, and should be treated like cash.

2.7 Can gift cards be used to purchase other gift cards?
No. This is not permitted for all merchants.

3. Redemption of Trip.com vouchers

3.1 Where can I redeem my Trip.com voucher?
Download the Trip.com app from the Apple App Store or Google Play Store.

3.2 How do I redeem my voucher?
Please follow the steps below after you have downloaded the app:

• Step 1: Sign up for or log in to your Trip.com account.
• Step 2: Go to Account → Settings.
• Step 3: Set Country/Region to Singapore and currency to SGD.
• Step 4: Make your booking.
• Step 5: Enter the voucher/promo code on the checkout page.
• Step 6: Confirm the discount is applied before payment.
• Step 7: Complete payment to secure the booking.

3.3 What is the validity period?
The voucher is valid for booking until 31 December 2027.

3.4 What do I do if my total amount on the booking exceeds the value of my voucher/promo code?
Any amount exceeding the voucher value must be paid using a Baiduri Mastercard Credit or Debit Card. Other payment methods are not permitted.

3.5 Are there any restrictions for making a booking?
- No restriction on travel or stay period.
- Voucher applicability depends on product eligibility. To check on voucher/promo code eligibility, enter the voucher/promo code on the checkout page before final payment to verify.
- Voucher cannot be combined with other promo codes or third-party cashback offers.
- The voucher/promo code cannot be applied if the total booking value is lower than the promo code amount.

3.6 What if the voucher/promo code doesn’t work?
Please close and re-open the Trip.com app via https://sg.trip.com/w/home and apply the promo code. If the issue persists, contact customer support athttps://sg.trip.com/pages/support

3.7 Can Trip.com amend or cancel the promotion?
Trip.com reserves the right to amend or cancel the promotion. In the event of booking cancellation or modification, voucher reinstatement is subject to Trip.com’s terms and conditions.

4. Redemption of Enrich Points

4.1 Do I have to sign up as an Enrich member?
Yes, as the points will be credited to the winner’s Enrich account.

4.2 How do I sign up for an Enrich account?
Sign up via:
- Malaysia Airlines website: https://enrich.malaysiaairlines.com/enrich.html
- Malaysia Airlines mobile app (download from the Apple App Store and Google Play Store)

4.3 How do I redeem my Enrich Points?
Redeem via:
- Malaysia Airlines website: https://enrich.malaysiaairlines.com/enrich.html
- Malaysia Airlines mobile app (download from the Apple App Store and Google Play Store)

4.4 What can I redeem my Enrich Points for?
It may be redeemed for:
- Award flights (flight on Malaysia Airlines, Oneworld Airlines and partner airlines)
- Hotels
- Online shopping vouchers
- Points conversion with Enrich Lifestyle Partners
- Seat upgrades on pure Malaysia Airlines operated flights
- Golden Lounge access vouchers

Redemption options and programme rules are determined by Malaysia Airlines and may change from time to time.

DON’T HAVE A BAIDURI CREDIT OR DEBIT CARD YET?

apply now

Stay updated - subscribe to our newsletter today!