Let us help you unlock your full potential

From now till 31 March 2023, find out how we can assist you to achieve your education goals.

  • Terms & Conditions
    Education Loan (this Promotion) Terms and Conditions

    1. Term

    1.1 This Promotion begins on 31 January 2023 and ends on 31 March 2023, both dates inclusive (the “Promotion Period”).

    1.2 To be eligible for this Promotion, the financing application must be made during the Promotion Period.

    2. Eligibility & Benefits

    2.1 This Promotion is applicable to the following Baiduri Bank Loan Products (“Loan Products”) during the Promotion Period:

    • Education Loan
    • Personal Overdraft

    2.2 This Promotion is applicable to new customers (including balance transfers from other financial institutions that are new) and existing customers of Baiduri
    Bank (“Eligible Customers”).

    2.3 Each Eligible Customer will enjoy promotional interest rates for education loan and overdraft according to table below.



     Effective Interest Rate (p.a.)


    Education Loan with salary assignment



    Personal Overdraft


    2.4 To qualify for the promotional interest rate, Eligible Customers who apply for Education Loan with salary assignment must assign their salary to Baiduri Bank throughout the approved loan tenor.

    2.5 Employees of Baiduri Bank and its subsidiaries Baiduri Capital and Baiduri Finance are not eligible for this Promotion.

    3. Disbursement

    3.1 For successful applicants of Education Loan with salary assignment, Baiduri Bank reserves the right to revoke the full loan amount that was disbursed after approval, if salary is not credited into the applicant’s account held with Baiduri Bank within two (2) months of loan disbursement and does not fulfil satisfactory bank’s required documentation. The processing fee will not be reimbursed.

    4. General

    4.1 By participating in this Promotion, all Eligible Customers are deemed to have read understood and agree to be bound by these terms and conditions and other terms and conditions applicable to the Loan Products and agree that any decisions of Baiduri Bank in relation to every aspect of this Promotion shall be final and conclusive.

    4.2 Baiduri Bank reserves the right to change the terms and conditions of this Promotion at its discretion.

    4.3 Baiduri Bank reserves the rights to cancel or withdraw this Promotion at any time without prior notice, without assigning reasons thereof and without any compensation to the customers.

    4.4 The decision by Baiduri Bank on all matters relating to this Promotion is final, binding, conclusive and no correspondences will be entertained.

    4.5 Early termination charges will be charged as per the applicable Schedule of Bank Charges if customers opt for early repayment.


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

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