Celebrate the joy of Hari Raya

Need extra cash to make some improvements to your home for Raya? Pursue that business plan? Thinking of tidying up your finances? Or give the best education to your children? No matter how big or small your aspiration is, we can help you achieve it.

From 1 April till 30 June 2021, enjoy greater savings when you apply for a Personal Loan with us.

  • Terms & Conditions

    “Celebrate the joy of Hari Raya” Promotion (“this Promotion”) Terms and Conditions:

    1. Term 

    • This Promotion begins on 1 April 2021 and ends on 30 June 2021, both dates inclusive (the “Promotion Period”).

    2. Eligibility

    2.1 This Promotion is open to new and existing customers who meet the following criteria (“Eligible Applicants”):
    • apply for a Personal Loan, Consolidation Loan, Home Renovation Loan or Consumer Goods Financing (“Qualifying Products”) during the Promotion Period; or
    • apply to transfer their Personal Loan, Consolidation Loan and Home Renovation Loan with other banks to Baiduri Bank during the Promotion Period; and
    • are employees of the Brunei Government, Government-Linked Companies and private companies; and
    • have a minimum monthly net income of BND500 (if salary is assigned to Baiduri Bank) and BND1,000 (if salary is not assigned to Baiduri Bank); and
    • are Brunei citizens or permanent residents

    2.2 Approval of loan application is subject to the Bank’s credit assessment policies.

    2.3 Top-ups and re-loans are also eligible for this Promotion.

    3. Offers

    3.1 Eligible Applicants who have their salary credited to Baiduri Bank or are agreeable to transferring their salary to Baiduri Bank will enjoy Effective Interest Rate (EIR) from 5.5% for all Qualifying Products and shopping vouchers under this Promotion.

    3.2 Eligible Applicants who do not have their salary credited to Baiduri Bank and are not agreeable to doing so will enjoy Effective Interest Rate (EIR) from 6.0% for Personal Loan only and shopping vouchers under this Promotion.

    3.3 To enjoy promotional offers stated for Consolidation Loan, Home Renovation Loan and Consumer Goods Financing, Eligible Applicants must have their salary assigned to Baiduri Bank.

    3.4 Eligible Applicants will be entitled to tiered rewards based on table below. Rewards will be given in the form of shopping vouchers.

    Loan Amount


    BND1,000 to BND10,000


    Above BND10,000 to BND20,000


    Above BND20,000 to BND30,000


    Above BND30,000 to BND40,000


    Above BND40,000 to BND50,000


    Above BND50,000 to BND100,000


    Above BND100,000


    3.5 Effective Interest Rate quoted above is floating and pegged to the Bank’s Prime Lending Rate (PLR). Any change in PLR will result in a change in the applicable interest rate.

    4. General

    4.1 This Promotion is governed by Baiduri Bank’s terms and conditions on the related products and any other documents forming the banking agreement.

    4.2 Baiduri Bank may, at any time and without prior notice or liability to any party, suspend or terminate the Promotion or vary these terms and conditions.

    4.3 The Bank reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with the Promotion. The Bank’s determination of all matters relating to this Promotion shall be final and conclusive and no correspondence will be entertained.


Contact our customer support team if you have any further questions. We are here to help you.

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