Shop the smart way, everyday! - Promotions

Shop the smart way, everyday!

From now until 9 January 2024, make the most out of your shopping experience with your Baiduri Credit or Debit Card or Baiduri Qpay. Earn up to 3 lucky draw chances when you spend a minimum of BND20 in a single receipt.

Valid from 10 November 2023 to 9 January 2024.

Terms & Conditions
Shop the smart way, everyday! (this “Promotion”) Terms and Conditions

1. Term
1.1 This Promotion is valid from 10 November 2023 to 9 January 2024, both dates inclusive (the “Promotion Period”).

1.2 By participating in this Promotion, you are deemed to be bound by these Terms and Conditions (the “Terms”).

2. Eligibility
2.1 You will qualify for this Promotion (“Eligible Cardholders”) if:
(a) you are a new Principal or Supplementary Baiduri Credit Cardholder or Baiduri Debit Cardholder who has applied for a Baiduri Credit Card or Baiduri Debit Card (“Eligible Card”) during the Promotion Period whose Eligible Card application has been approved by Baiduri Bank Sendirian Berhad (“the Bank”) (“New Eligible Cardholders”); or

(b) you are an existing Principal or Supplementary Eligible Card cardholder during the Promotion Period; or

(c) you are a new user or existing registered user of Baiduri Qpay during the Promotion Period.
2.2 To qualify for the benefit of this Promotion, the Eligible Cardholders’ accounts must be active and are in good standing with the Bank during the Promotion Period.

2.3 If the Eligible Card is suspended, cancelled, or terminated during the Promotion Period, the Eligible Cardholder will be disqualified from this Promotion.

2.4 Transactions on the Eligible Card that meet the Promotion Mechanics during the Promotion Period are considered as eligible transactions.

2.5 Transactions on the Eligible Card in the form of monthly instalment of a new or existing 0% Instalment Plan, cash withdrawals, balance transfers, reversals, refunds, disputed purchases, Bank’s levied fees or charges and payments or credits on the Eligible Card during the Promotion Period will be excluded from being an eligible transaction.

2.6 Employees of the Bank, Baiduri Finance Berhad and Baiduri Capital Sendirian Berhad are not eligible for this Promotion.

3. Promotion Mechanics

3.1 New Credit and Debit Card Sign-Up Offer
3.1.1 New Eligible Cardholders will be entitled to annual fee waivers as follows:

(a) 4-year annual fee waiver for Royal Brunei Visa Credit and Debit Cards; and

(b) 2-year annual fee waiver for any other Baiduri Credit or Debit Cards.

3.1.2 For the avoidance of doubt, the above offer is extended to up to four (4) supplementary credit cardholders (if applicable).
3.2 Monthly Draw
3.2.1 Eligible Cardholders must spend a minimum of BND20 in a single receipt on an Eligible Card or through Baiduri Qpay during the Promotion Period to be eligible for the following monthly draw chances:
Type of spending
No. of monthly draw chances

Spending at local Baiduri merchants

Three (3)
Spending at non-Baiduri merchants through a non-Baiduri terminal, including overseas and online merchants

One (1)
3.2.2 Baiduri merchants can be identified by payment acceptance decals displayed at Point of Sale or within the merchant premises.

3.2.3 For each month of November and December, fifteen (15) Winners (individually, a “Winner” and collectively, “Winners”) will be chosen from each of the following Qualifying Periods stated below:
Draw Date
Qualifying Periods

1st Draw Date

Transactions made by Eligible Cardholders on their Eligible Card or Baiduri Qpay between 10 November to 9 December 2023
2nd Draw Date

Transactions made by Eligible Cardholders on their Eligible Card or Baiduri Qpay between 10 December 2023 and 9 January 2024
3.2.4 The draws will be conducted using an electronic system on 11 December 2023 (the “1st Draw Date”) and on 10 January 2024 (the “2nd Draw Date”) (collectively known as the “Draw Dates”) or such other date(s) as the Bank may determine at its own discretion without prior notice.

3.2.5 Winners from the 1st Draw Date will be randomly drawn to win one of the following prizes:
1. Insta360 GO 3 Action Camera
2. Travel voucher worth BND500
3. Travel voucher worth BND500
4. 3-Day 2-Night hotel stay with dining package
5. Pampering package worth BND500
6. Shopping voucher worth BND500
7. Elite Health Screening package worth BND500
8. Amazon Kindle
9. Shinerich BBQ 4+1 Burner Gas Grill
10. Textile and Tailor package worth BND500
11. Viewsonic M1+_G2 Portable Projector with Speakers
12. 3-Day 2-Night hotel stay and dining vouchers worth BND150
13. Curated dining experience for 4 persons worth BND500
14. Automobile tinted and ceramic coating package worth BND500
15. Furniture voucher worth BND500
3.2.6 Winners from the 2nd Draw Date will be randomly drawn to win one of the following prizes:
1. Insta360 GO 3 Action Camera
2. Travel voucher worth BND500
3. Travel voucher worth BND500
4. Curated dining experience for 4 persons worth BND500
5. Pampering voucher worth BND500
6. Shopping voucher worth BND500
7. Automobile tinted and ceramic coating package worth BND500
8. Textile and tailor package worth BND500
9. Furniture voucher worth BND500
10. Elite Health Screening package worth BND500
11. Viewsonic M1+_G2 Portable Projector with speaker
12. 3-Day 2-Night hotel stay and dining vouchers worth BND150
13. 3-Day 2-Night hotel stay with dining package
14. Amazon Kindle
15. Shinerich BBQ 4+1 Burner Gas Grill
3.2.7 Winners from the 1st Draw Date and 2nd Draw Date will also be eligible for the Grand Draw.

3.3 Grand Draw
3.3.1 Three (3) Winners will be chosen from the Qualifying Period stated below:
Draw Date
Qualifying Periods

10 January 2024

Transactions made by Eligible Cardholders on their Eligible Card or Baiduri Qpay between 10 November 2023 to 9 January 2024
3.3.2 The Grand Draw will be conducted using an electronic system on 10 January 2024 (the “Grand Draw Date”) or such other date(s) as the Bank may determine at its own discretion without prior notice.

3.3.3 Winners from the Grand Draw will be randomly drawn to win the following prizes:
(a) First Prize
Home improvement package with electrical appliances worth BND15,000. Package includes home detailing and furniture.

(b) Second Prize
Staycation package at The Abode Resort & Spa in the Family Riverfront Tent with Explore Temburong package worth BND3,400.

(c) Third Prize
Camping set with portable projector worth BND1,500 and BND500 lifestyle vouchers.
3.3.4 The Bank will contact the Winners by phone call via the Winner’s registered phone number(s) in the Bank’s records within two (2) weeks after the Promotion Period to attend a prize presentation. The date of the prize presentation will also be informed via the phone call.

3.3.5 If the Winners are unable to attend in person, they must prepare an authorisation letter and specify the collector’s full name and identification card number.

3.3.6 Prizes from the 1st Draw Date, 2nd Draw Date and Grand Draw are not transferable or exchangeable for cash, credit, goods and services, products or privileges or other kind in full or in part and is not refundable or replaceable.

3.3.7 The Bank reserves the right to draw reserve winners to replace any Winner who is or may be subsequently found to be ineligible or disqualified from the draw.

3.3.8 The Bank shall be entitled to use the names, identification numbers and pictures/photographs of the Winners for publicity materials; and may engage the Winners for its publicity purposes without any compensation whatsoever and in such manner as the Bank determines.

4. General
4.1 Eligible Cardholders consent to the collection, use and disclosure of the Eligible Cardholder’s personal data by/to the organisers, promoters or conductors of this Promotion and such other third party for the purpose of this Promotion and the Eligible Cardholder confirms 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 which can be found on www.baiduri.com

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

4.3 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.

4.4 The Bank reserves the right to determine at its sole and absolute discretion on 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.

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

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