Important Notice: Revised interest rate for Baiduri Prime Saver Savings Account
With effect from 1 January 2025, the interest rate for Baiduri Prime Saver Savings Account will be revised to 1.80% p.a.

Give your Raya a little boost

Do you need a little boost for Raya? A personal loan from Baiduri Bank can help you achieve your aspirations. With competitive interest rates and rewards, you can get the financial support you need without the hassle. Offer is valid until 30 May 2025.


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  • Terms & Conditions
    Give your Raya a little boost Promotion (“this 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 3 March 2025 until 30 May 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 Personal Financing Offer


    3.1.1 The Personal Financing Offer is applicable to the following selected Baiduri Bank Personal Financing Products:

    • Personal Loan
    • Consolidation Loan
    • Home Renovation Loan

    3.1.2 The Personal Financing Offer is open to both new and existing individual customers of the Bank who apply for a Personal Financing Product and meet all of the following conditions during the Promotion Period (each an “Eligible Applicant”, collectively “Eligible Applicants”):

    1. Brunei Citizens or Brunei Permanent Residents;
    2. Apply for a minimum loan amount of BND10,000 and a minimum tenure of three (3) years; and
    3. Assign their salary to the Bank for the duration of the loan.

    3.1.3 Eligible Personal Financing applications include:

    • New applications; or
    • Top-up applications*; or
    • Balance transfers from other financial institutions.

    *Top-up applications only apply to Personal Loan and require an incremental loan amount of at least BND10,000.

    3.1.4 Approval of the Personal Financing applications 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 not eligible for the Personal Financing Offer.

    3.2 New Credit Card Sign-Up Offer

    3.2.1 The New Credit Card Sign-Up Offer applies to new applicants for the following selected Baiduri Bank Credit Cards (each an "Eligible Card", collectively "Eligible Cards"), applicable to both the principal cardholder and up to four (4) supplementary cardholders on the same application (each an "Eligible Cardholder", collectively "Eligible Cardholders"):

    Credit Cards

    • Baiduri Visa Infinite Credit Card
    • Baiduri Visa Platinum Credit Card
    • Baiduri Visa Classic Credit Card
    • Baiduri Mastercard Platinum Credit Card
    • Baiduri Mastercard Standard Credit Card
    • Royal Brunei Visa Infinite Credit Card by Baiduri Bank
    • Royal Brunei Visa Platinum Credit Card by Baiduri Bank

    3.2.2 If an Eligible Card is suspended, cancelled, or terminated during the Promotion Period, the Eligible Cardholder will be disqualified from the New Credit Card Sign-Up Offer.

    3.2.3 Employees of the Bank, Baiduri Finance Berhad, and Baiduri Capital Sendirian Berhad are not eligible for the New Credit Card Sign-Up Offer.

    4. Promotion Mechanics

    4.1 Personal Financing Offer

    4.1.1 Eligible Applicants will be entitled to the following offers:



    Option 1

    Option 2

    Promotional Effective Interest Rate ("EIR")

    Prime Lending Rate + 0.0%
    = 5.5%

    Prime Lending Rate + 0.5% = 6.0%

    Voucher Value

    Not applicable

    Up to 1.2% of approved loan amount

    1EIR is floating and linked to the Prime Lending Rate (“PLR”). For the avoidance of doubt, the PLR is currently at 5.5% and subject to changes at the Bank’s discretion

    4.1.2 The Voucher values for Option 2 are as follows:

    Approved Loan Amount (BND)

    Voucher Value

    10,000 to 50,000

    1.0% of approved loan amount

    Above 50,000

    1.2% of approved loan amount


    4.1.3 For top-up applications, the minimum incremental loan amount must be at least BND10,000 as illustrated in the table below:

    No

    Approved Top-Up Loan Amount (BND)

    Existing Outstanding Loan Amount (BND)

    Incremental Loan Amount* (BND)

    Eligible for Promotional Rate?

    Voucher

    1

    12,000

    5,500

    6,500

    No

    No

    2

    15,000

    3,000

    12,000

    Yes

    1% of the Incremental Loan Amount, equivalent to BND120

    3

    80,000

    10,500

    69,500

    Yes

    1.2% of the Incremental Loan Amount, equivalent to BND834

    4.1.4 Eligible Applicants who are entitled to the Voucher will be notified via phone call to their registered phone number(s) on record with the Bank. Vouchers must be collected personally by the Eligible Applicant or by an authorised representative at the Retail Consumer Financing Department, Baiduri Bank Headquarters, Level 2, 1 Jalan Gadong, Bandar Seri Begawan, BA1511, with the 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.

    4.1.5 Vouchers can be redeemed at the Participating Merchants (“Merchant”) below:
    • Hua Ho
    • Supa Save
    • Euro Classic
    • Intracorp
    • Thomson Furniture
    • AV Electronics

    4.1.6 Vouchers are not refundable, transferable, or exchangeable for cash, credit, or any other prize or gift in full or in part.

    4.1.7 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 Merchant.

    4.1.8 Each Eligible Applicant will receive a 50% discount on the processing fee for their approved Personal Financing Product during the Promotion Period.

    4.2 New Credit Card Sign-Up Offer

    4.2.1 Eligible Cardholders are entitled to the following annual fee waivers:
    1. 4-year annual fee waiver for Royal Brunei Visa Credit Cards by Baiduri Bank; or
    2. 3-year annual fee waiver for other Baiduri Bank Credit Cards listed in clause 3.2.1 above.

    4.2.2 Each Eligible Cardholder will also receive a BND50 cash rebate upon card activation and cumulative spend of BND500 within sixty (60) days. The cash rebate will be credited to the Eligible Cardholder’s account within three (3) weeks after the 60-day activation period.

    4.2.3 Eligible Cardholders must collect and activate their Eligible Card by 30 May 2025.

    4.2.4 Eligible Cardholders who cancel their Eligible Card within six (6) months of application will not be eligible for the New Credit Card Sign-Up Offer and will be charged the annual fee.

    5. General

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

    5.5 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 related 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.

Important notice: Our Business i-Banking service will be deactivated soon. To ensure continued access and a smooth transition to the new Baiduri b.Digital Business, please provide your full name, IC, email address and mobile number via Business i-Banking Inbox. If we do not receive updated details from all authorised users, your company will not be migrated to the new platform and a fresh application will be required. For assistance, contact us at [email protected] or call 2268 637/8/9 during business hours. Thank you for your cooperation.

To strengthen our online security measures, effective 8 January 2024, we will introduce the cooling period feature on our Baiduri b.Digital Personal web and mobile app to prevent unauthorised access.

Click here for more information.

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