31st Consumer Fair - Promotions

31st Consumer Fair

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Terms and conditions

Cards Annual Fee Waiver and Rebate Offer
Baiduri Bank Cards annual fee waiver and rebate offer Terms and Conditions

1. Term

1.1 Baiduri Bank Cards annual fee waiver and rebate offer (the “Offer”) is organised by Baiduri Bank Sendirian Berhad (the “Bank”) and is subject to the following terms and conditions (the “Terms”).

1.2 Participation in the Offer constitutes acceptance of the Terms.

2. Offer Period

2.1 The Offer is valid from 25 June 2025 to 29 June 2025 (both dates inclusive) or such other date(s) as may be determined by the Bank at its absolute discretion (the “Offer Period”).

2.2 The Offer is available exclusively at Consumer Fair Part 31, Plenary Hall, International Convention Centre, Berakas (the “Event Venue”) during the Offer Period.

3. Eligibility

3.1 New Credit and Debit Card Sign-Up Offer

3.1.1 The New Credit and Debit Card Sign-Up Offer is open to individuals who apply for an Eligible Card at the Event Venue (“New Eligible Cardholders”).

3.1.2 “Eligible Card” refers to any Baiduri Credit or Debit Card issued by the Bank that qualifies for participation in this Offer.

3.2 Cash Rebate Offer

3.2.1 The Cash Rebate Offer is open to new and existing Bank customers who hold an Eligible Card (“Eligible Cardholders”).

4. Offer Mechanics

4.1 New Credit and Debit Card Sign-Up Offer

4.1.1 New Eligible Cardholders are entitled to the following annual fee waivers:

A 4-year annual fee waiver for Royal Brunei Visa Cards by Baiduri Bank
A 3-year annual fee waiver for other Baiduri Credit and Debit Cards

4.2 Cash Rebate Offer

4.2.1 Eligible Cardholders are entitled to a 5% cash rebate for cumulative spending at Participating Merchants at the Event Venue during the Offer Period.

4.2.2 Participating Merchants can be identified by payment acceptance decals displayed at their booths.

4.2.3 Each Eligible Cardholder is entitled to one (1) cash rebate per day, capped at BND50, irrespective of the number of Eligible Cards used.

4.2.4 Any cash rebate earned will be credited to the Eligible Cardholder’s card account within three (3) weeks from the transaction date.

4.2.5 The Cash Rebate Offer is not valid with other ongoing promotions, discounts, offers, vouchers, rebates, or privileges.

5. General

5.1 The Offer is governed by the Bank’s standard terms and conditions governing the related products and any other documents forming the banking agreement.

5.2 The Bank reserves the right to suspend, cancel or amend the Offer or vary its Terms.

5.3 The Bank reserves the right to determine at its sole discretion all matters arising out of or in connection with the Offer. The Bank’s determination of all matters relating to this Offer shall be final and conclusive.

5.4 By participating in the Offer, Eligible Cardholders consent to the collection, use and disclosure of their personal data by/to the organisers, promoters or conductors of the Offer, and such other third parties for the purpose of the Offer, in accordance with the Group Privacy Policy. Eligible Cardholders confirm that they have read and agree to the terms of the Group Privacy Policy, as may be amended, supplemented and/or substituted by the Bank from time to time, a copy of which can be found on www.baiduri.com.

5.5 In the event of any inconsistency between the Terms and any promotional materials related to the Offer, the Terms shall prevail.

5.6 The Terms shall be governed by and construed in accordance with the laws of Brunei Darussalam.
Life Insurance Savings or Protection Plan Offer
Life insurance savings or protection plan offer Terms and Conditions

1. Term

1.1 Life insurance savings or protection plan offer (the “Offer”) is organised by Baiduri Bank Sendirian Berhad (the “Bank”) and is subject to the following terms and conditions (the “Terms”).

1.2 Participation in the Offer constitutes acceptance of the Terms.

2. Offer Period

2.1 The Offer is valid from 25 June 2025 to 29 June 2025 (both dates inclusive) or such other date(s) as may be determined by the Bank at its absolute discretion (the “Offer Period”).

2.2 The Offer is available exclusively at Consumer Fair Part 31, Plenary Hall, International Convention Centre, Berakas (the “Event Venue”) during the Offer Period.

3. Eligibility

3.1.1 The Offer is open to both new and existing Bank customers who apply for an Eligible Bancassurance Product as detailed in Clause 3.1.3 below, underwritten by AIA Singapore Private Limited (Brunei Branch) (“AIA”) or The Great Eastern Life Assurance Company Limited (“Great Eastern”), via the Bank during the Offer Period, and whose applications meet the following conditions (“Eligible Customers”):

The selected Eligible Bancassurance Product must have a minimum premium payment term of at least five (5) years.
The application must be submitted and the premium fully paid within the Offer Period.
The application is deemed successful once the policy book is issued by AIA or Great Eastern.

3.1.2 Employees of the Bank, Baiduri Finance Berhad, and Baiduri Capital Sendirian Berhad are eligible to participate in the Offer.

3.1.3 The Offer is applicable to the following Eligible Bancassurance Products:

AIA
Great Eastern
AIA Smart Flexi Rewards (II)
GREAT Wealth Multiplier 3

AIA Retirement Saver (IV)
GREAT Flexi Protect Series
AIA Guaranteed Protect Plus (III)
GREAT Flexi Goal

GREAT Retire Income

GREAT Flexi Cashback

GREAT Lifetime Payout 2

GREAT Prime Rewards 3

Prestige Life Rewards 5

4. Offer Mechanics

4.1 The first twenty (20) Eligible Customers will receive a Baiduri Umbrella and Jute Bag (“Rewards”).

4.2 The Bank will contact Eligible Customers via their registered phone number(s) with instructions on how to redeem the Rewards.

4.3 Rewards are not exchangeable, transferable, or redeemable for cash, credit, goods and services, products or privileges or other kind in full or in part and is not refundable or replaceable. The Bank makes no representation or warranty whatsoever in respect of the Rewards, whether as to the quality, merchantability, fitness for purpose, performance or otherwise. Any disputes should be resolved directly with the suppliers.

5. General

5.1 The Offer is governed by the Bank’s standard terms and conditions governing the related products and any other documents forming the banking agreement.

5.2 The Bank reserves the right to suspend, cancel or amend the Offer or vary its Terms.

5.3 The Bank reserves the right to determine at its sole discretion all matters arising out of or in connection with the Offer. The Bank’s determination of all matters relating to the Offer shall be final and conclusive.

5.4 By participating in the Offer, Eligible Cardholders consent to the collection, use and disclosure of their personal data by/to the organisers, promoters or conductors of this Offer and such other third parties for the purpose of the Offer, in accordance with the Group Privacy Policy. Eligible Cardholders confirm that they have read and agree to the terms of the Group Privacy Policy, as may be amended, supplemented and/or substituted by the Bank from time to time, a copy of which can be found on www.baiduri.com.

5.5 In the event of any inconsistency between the Terms and any promotional materials related to the Offer, the Terms shall prevail.

5.6 The Terms shall be governed by and construed in accordance with the laws of Brunei Darussalam.
Home and Personal Financing
Finance your dreams with rewards that take you further: Home & Personal Financing Q3 2025

1. Term

1.1. Finance your dreams with rewards that take you further: Home & Personal Financing Q3 2025 (the “Promotion”) is organised by Baiduri Bank Sendirian Berhad (the “Bank”) 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. The Promotion is valid from 19 June 2025 until 30 October 2025 (both dates inclusive), or such other date(s) as may be determined by the Bank at its absolute discretion (the “Promotion Period”).

3. Eligibility

3.1. Home Financing Offer

3.1.1 The Home Financing Offer is applicable to new and existing individual customers of the Bank who are Brunei Citizens, Brunei Permanent Residents, or qualify as Eligible Foreigners, and who apply for any of the following Home Financing Products during the Promotion Period (collectively, “Eligible Applicants”):

Product(s)
Minimum Tenure
Minimum Loan Amount
Home Ownership Loan
Home Refinancing Loan
Home Equity Loan
Property Investment Loan
10 years

BND 100,000

3.1.2 “Eligible Foreigners” refers to:

Foreigners born in Brunei Darussalam applying for Brunei Citizenship or Brunei Permanent Residency;
Foreigners working in Brunei Darussalam and married to a Brunei Citizen; or
Foreigners earning a directorship or partnership fee in Brunei Darussalam.

3.1.3 Eligible Applicants must maintain their salary, directorship fee, or partnership fee with the Bank throughout the duration of the loan.

3.1.4 Approval is subject to full satisfaction of the Bank’s criteria, including but not limited to credit assessment and documentation requirements.

3.1.5 Employees of the Bank, Baiduri Finance Berhad, and Baiduri Capital Sendirian Berhad are eligible to participate in the Promotion.

3.2. Personal Financing Offer

3.2.1 The Personal Financing Offer is applicable to new and existing individual customers of the Bank who are Brunei Citizens or Brunei Permanent Residents, and who apply for any of the following Personal Financing Products during the Promotion Period (collectively, “Eligible Applicants”):

Product(s)
Minimum Tenure
Minimum Loan Amount
Personal Loan
Home Renovation Loan
Education Loan
Consolidation Loan
3 years

BND 10,000

3.2.2 Eligible applications include:

New applications;
Top-up applications with a minimum incremental loan amount of BND 10,000; and
Balance transfers from other financial institutions.

3.2.3 Eligible Applicants must maintain their salary with the Bank throughout the duration of the loan.

3.2.4 Approval is subject to full satisfaction of the Bank’s criteria, including but not limited to, credit assessment and documentation requirements.

3.2.5 Employees of the Bank, Baiduri Finance Berhad, and Baiduri Capital Sendirian Berhad are eligible to participate in the Promotion.

4. Promotion Mechanics

4.1 Home Financing Offer

4.1.1 Eligible Applicants may select one (1) of the following options:

Product(s)
Option A
Option B
Option C
Promotional Effective Interest Rate (“EIR”)¹
PLR² - 1.8% = 3.7% EIR

PLR² - 1.5% = 4.0% EIR

PLR² - 1.25% = 4.25% EIR

Subsidy
None

Up to 3% of approved loan amount, capped at BND 15,000

Up to 4% of approved loan amount, capped at BND 18,000

Financing for Associated Costs
Up to 10% of Open Market Value

None

None

Early or Partial Repayment Fee
A one-time 50% discount on settlement fees for accounts settled from the 6th year onwards
A full waiver on transfer fees for conversions to Brunei Government Loans from the 6th year onwards.
Not applicable to accounts transferred from other financial institutions.

¹ EIR is floating and linked to the Prime Lending Rate ("PLR").
² PLR is currently at 5.5% and subject to changes at the Bank's discretion.

4.1.2 The subsidy or financing for associated costs granted under the Promotion may be used for the payment of fees including, but not limited to:

4.1.2.1 Preparation of legal documentation

4.1.2.2 Fire insurance for the first year of purchase only

4.1.2.3 Mortgage Reducing Term Assurance (“MRTA”)

4.1.2.4 Valuation reports

4.1.2.5 Stamp duty for Memorandum of Charge

4.1.3 Any unused portion of the subsidy or financing for associated costs after payment of the above fees will be credited to the successful applicant’s account with the Bank.

4.1.4 If the approved loan is partially or fully settled or transferred to another financial institution before its maturity date, the Bank reserves the right to recover the whole subsidy amount granted under the Promotion.

4.1.5 If an approved application is cancelled before disbursement, the applicant shall bear for all processing-related fees and repay any subsidy received. The Bank reserves the right to debit such amounts from the applicant’s account without notice.

4.2 Personal Financing Offer

4.2.1 Eligible Applicants may select one (1) of the following options:

Option A
Option B
Promotional Effective Interest Rate (“EIR”)¹
PLR² = 5.5%

PLR² - 0.25%= 5.25%

Approved Loan Amount
BND 10,000 to BND 44,999.99

BND 45,000 and above

Approved Incremental Loan Amount (for Top-Up Applications)
BND 10,000 to BND 49,999.99

BND 45,000 and above

¹ EIR is floating and linked to the Prime Lending Rate (“PLR”).
² PLR is currently at 5.5% and subject to changes at the Bank's discretion.

4.2.2 The table below illustrates the eligibility of top-up applications based on the incremental loan amount:

No.
Top-Up Loan Amount (BND)
Existing Outstanding Loan Amount (BND)
Incremental Loan Amount (BND)
Eligible for Promotional Rate?
Promotional Rate
1
12,000

5,500

6,500

No

Not applicable

2
15,000

3,000

12,000

Yes

Option A

3
80,000

10,500

69,500

Yes

Option B

4
80,000

50,000

30,000

Yes

Option A

5
90,000

45,000

45,000

Yes

Option B

4.3 Lucky Draw

4.3.1 A total of twenty-five (25) winners will be selected across five (5) draws, comprising four (4) Monthly Draws from July to October 2025, and one (1) Grand Draw in November 2025.

4.3.2 Eligible Applicants will be entitled to receive lucky draw chances as follows:

Product Type Offer
Approved Loan Amount
No. of Lucky Draw Chances
Personal Financing
Every BND 10,000

One (1)

Home Financing
Every BND 50,000

One (1)

4.3.3 The prizes are as follows:

Draw Month
Draw Type
Prize Tier
No. of Winners
Prize
November
Grand Draw
1st prize
One (1)

BND 5,000 interest rebate

2nd prize
One (1)

BND 3,000 interest rebate

3rd prize
One (1)

BND 2,000 interest rebate

4th prize
One (1)

BND 1,500 interest rebate

5th prize
One (1)

BND 1,000 interest rebate

October
Monthly Draw
5th prize
One (1)

BND 200 voucher

September
Monthly Draw
5th prize
One (1)

BND 200 voucher

August
Monthly Draw
5th prize
One (1)

BND 200 voucher

July
Monthly Draw
5th prize
One (1)

BND 200 voucher

4.3.4 Winners will be selected using an electronic random draw from the pool of Eligible Applicants.

4.3.5 Monthly Draw winners will be announced on the Bank’s official Instagram account (@baiduribank) within the month following each draw.

4.3.6 Monthly Draw winners may choose between a Pan Bright Travel Service voucher or an Intracorp Brunei shopping voucher, subject to availability at the time of selection. Pan Bright Travel Service vouchers can be redeemed at any Pan Bright Travel Service outlet or event, and Intracorp Brunei vouchers can be redeemed at any Intracorp Brunei outlet. All vouchers are subject to the respective merchant’s terms and conditions, in accordance with Clause 4.3.11 below.

4.3.7 The Bank will contact Grand Draw winners one (1) week before the Grand Draw prize presentation using the phone number registered with the Bank. Details of the prize presentation event will be provided during the call.

4.3.8 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 point of collection.

4.3.9 Each Eligible Applicant may only win once throughout the Monthly Draws. Winners from earlier draws will be excluded from all subsequent draws.

4.3.10 The Bank reserves the right to select reserve winners if any winner is disqualified or cannot be contacted.

4.3.11 Vouchers are non-transferable, non-refundable, and cannot be exchanged for cash, credit, or other prizes. Vouchers may be used to redeem goods or services subject to the terms and conditions of the respective merchant.

4.3.12 For prizes awarded in the form of vouches, the Bank makes no representations or warranties on the quality, merchantability, or fitness for purpose. Any disputes regarding the quality, condition, or performance of such vouchers must be resolved directly with the relevant merchant. For prizes awarded in the form of interest rebates, the Bank’s liability is limited to crediting the applicable rebate amount to the winner’s financing facility.

4.3.13 By participating in the Promotion, Eligible Applicants consent to the public disclosure of their names for promotional purposes, including winner announcements, in accordance with Clause 5.5 below.

5. General

5.1 The Promotion is governed by the Bank’s standard terms and conditions governing the related products and any other documents forming part of the banking agreement.

5.2 The Bank reserves the right to suspend, cancel or amend the Promotion or any of its Terms without prior notice or liability.

5.3 The Promotion cannot be combined with other offers, privileges, or promotions, unless explicitly stated otherwise.

5.4 The Bank reserves the right to determine at its sole discretion all matters arising out of or in connection with the Promotion. The Bank’s determination of all matters relating to the Promotion shall be final and conclusive.

5.5 By participating in the Promotion, Eligible Applicants consent to the collection, use and disclosure of their personal data by/to the organisers, promoters or conductors of the Promotion and such other third parties for the purpose of administering the Promotion, including (where applicable) the public disclosure of their names on the Bank’s official social media platforms. Such use and disclosure shall be in accordance with the Group Privacy Policy. Eligible Applicants confirm that they have read and agree to be bound by the terms of the Group Privacy Policy, as may be amended, supplemented and/or substituted by the Bank from time to time. A copy of the Group Privacy Policy can be found at www.baiduri.com.

5.6 In the event of any inconsistency between these Terms and any promotional material, these Terms shall prevail.

5.7 These Terms shall be governed by and construed in accordance with the laws of Brunei Darussalam.

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