Bring home what matters, today - Promotions

Bring home what matters, today

Finance your dream home upgrades with our flexible Consumer Goods Financing, making quality furniture, electronics and lifestyle essentials more accessible.

Available exclusively through our participating merchants:

Apply for a Baiduri Credit or Debit Card

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Terms & Conditions
Consumer Goods Financing with merchant collaboration
Terms and Conditions

1. Term

1.1. Merchant Collaboration – Consumer Goods Financing (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 1 June 2026 to 1 September 2026, both dates inclusive, or such other date(s) as may be determined by the Bank at its discretion (the “Promotion Period”).

3. Eligibility

3.1. The Promotion is open to new and existing individual customers of the Bank who are Brunei Citizens or Brunei Permanent Residents (each an “Eligible Applicant”), who apply during the Promotion Period for the following product and meet the minimum criteria set out below:
Product
Minimum tenure
Minimum financing amount
Consumer Goods Financing
6 months
BND 1,000
3.2. This Promotion is valid for Consumer Goods Financing being utilised for the purchase from the following merchants:

3.2.1 Jackhan Sdn Bhd (Ashley Furniture)

3.2.2 CrystalGuard Sdn Bhd

3.2.3 Fabrica Sdn Bhd

3.2.4 FutureStore Company

3.3. Eligible Applicants must assign their salary to be credited to an account with the Bank for the entire duration of the financing facility, in accordance with the Bank’s financing requirements.

3.4. Approval of any application under this Promotion is subject to the full satisfaction of the applicable eligibility criteria, credit assessment, requirements, approval processes, and terms and conditions of the Bank.

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

4. Promotion Mechanics

4.1. Promotional Offers

Eligible Applicants may qualify for the Promotional Effective Interest Rates (“EIR”) set out in the table below, subject to meeting all applicable criteria.
Promotional Effective Interest Rate (“EIR”)¹
PLR² - 0.50% = 5.00% EIR¹
¹ EIR is floating and linked to the Prime Lending Rate (“PLR”).
² PLR is currently at 5.50% and subject to changes at the Bank's discretion.

5. General

5.1 The Promotion is subject to the Bank’s prevailing 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, terminate, or amend this Promotion, or vary any of these Terms for valid reasons, with reasonable notice.

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 discretion over all matters relating to this Promotion. All decisions are final and conclusive.

5.5 By participating in the Promotion, Eligible Applicants consent to the collection, use, and disclosure of their personal data for purposes related to the administration of the Promotion, in accordance with the Bank’s prevailing Privacy Notice. Eligible Applicants confirm that they have read and agree to be bound by the terms of the Bank’s prevailing Privacy Notice, as may be amended, supplemented and/or substituted by the Bank from time to time. A copy of the Privacy Notice is available 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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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.

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