Know your borrowing power - instantly - Promotions

Know your borrowing power - instantly

Instantly check your loan eligibility with our easy-to-use loan entitlement calculator. From now until 31 December 2025, enjoy shopping voucher rewards when you apply for a Personal Loan or Home Ownership Loan and successfully complete your application through our online loan calculator.

Know your borrowing power with our Loan Entitlement Calculator

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Terms & Conditions
Know your borrowing power — instantly (“Promotion”) Terms and Conditions:

1. Term

1.1 Participation in this Promotion constitutes acceptance of these terms and conditions (the “Terms”).

2. Promotion Period

2.1 This Promotion is valid from 27 March 2025 until 31 December 2025, both dates inclusive, or such other date(s) as determined by Baiduri Bank Sendirian Berhad (“the Bank”) at its absolute discretion (the “Promotion Period”).

3. Eligibility

3.1 This Promotion is open to both new and existing individual customers of the Bank who are Brunei Citizens or Permanent Residents, and who apply for a Home Ownership Loan or Personal Loan and meet the following criteria during the Promotion Period (each an “Eligible Applicant”, collectively “Eligible Applicants”):

3.1.1 For Personal Loan: Apply for minimum loan amount of BND1,000 with a minimum tenure of one (1) year; or

3.1.2 For Home Ownership Loan: Apply for minimum loan amount of BND50,000 with a minimum tenure of five (5) years.

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

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

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

4. Promotion Mechanics

4.1 Eligible Applicants who use the Bank’s loan entitlement calculator to calculate their estimated loan eligibility and then proceed to apply for a Personal Loan or a Home Ownership Loan through the online platform at https://form.baiduri.com.bn/webform/ during the Promotion Period will be eligible to receive shopping vouchers upon successful loan drawdown.

4.2 Vouchers are determined by the approved loan amount as follows:

4.2.1 Personal Loan
Approved loan amount
Voucher value
BND50,000 and below

BND50
Above BND50,000
BND100

4.2.2 Home Ownership Loan
Approved loan amount
Voucher value
BND100,000 and below

BND100
Above BND100,000
BND200
4.3 Vouchers are valid exclusively for redemption at Supa Save and can be used across all Supa Save outlets.

4.4 Eligible Applicants entitled to the vouchers will be notified via phone call to their registered phone number(s) with the Bank. Vouchers must be collected personally by the Eligible Applicant or an authorised representative, with the collection date to be confirmed. An authorised representative must present the original, duly signed authorisation letter from the Eligible Applicant and his/her original identity card during collection.

4.5 Vouchers are non-refundable, non-transferable, and cannot be exchanged for cash, credit, or any other prize or gift in full or in part.

4.6 The Bank makes no representation or warranty whatsoever in respect of the vouchers, whether as to the quality, merchantability, fitness for purpose, performance, or otherwise. Any disputes in respect to the quality, condition, or performance of the vouchers are to be resolved directly with the issuer of the vouchers.

5. General

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

5.2 The Bank may, at any time and without prior notice or liability to any party, suspend or terminate this Promotion or vary any of the Terms of this Promotion.

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

5.4 This Promotion is not valid with other offers, privileges, or promotions unless stated otherwise.

5.5 By participating in this Promotion, Eligible Applicants consent to the collection, use and disclosure of the Eligible Applicant’s personal data by/to the organisers, promoters or conductors of this Promotion, and such other third parties for the purpose of this Promotion, in accordance with the Group Privacy Policy. Eligible Applicants 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.

5.6 In the event of any discrepancy between the Terms and any promotional materials relating to this Promotion, the Terms shall prevail.

5.7 The 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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