Terms and Conditions

CELEBRATE WITH MORE REWARDS (“this Promotion”) Terms and Conditions:

1. Term
1.1 This Promotion begins on 22 December 2017 and ends on 28 February 2018, both dates inclusive (the “Promotion Period”).
2. Eligibility
2.1 This Promotion is applicable to all Baiduri Credit and Debit Cards (the “Cards”, “a Card”).
2.2 This Promotion is open to both existing and new Baiduri Credit and Debit Cardholders (“Eligible Cardholders”).
2.3 This Promotion is applicable to both Principal and Supplementary Cards.
2.4 The Card must remain valid during the Promotion Period.
3. Promotion Mechanics
There are 2 parts to this Promotion: a Card usage offer and a sign up offer.
3.1 Card usage offer
3.11 This Promotion is applicable to both existing and new Eligible Cardholders during the Promotion Period.
3.12 Eligible Cardholders must charge a minimum of BND50 Eligible Transactions to their Baiduri Credit or Debit Card to qualify for one (1) chance in the Lucky Draw. Every BND50 spent will entitle Eligible Cardholders one (1) chance in the Lucky Draw.
3.13 Eligible Transactions are retail purchases including online purchases only.
3.14 ATM withdrawals, cash advances, annual fees, interest charges, late charges, balance transfers, monthly instalment of an existing 0% Instalment Plan and any amount charged to the Card that is subsequently cancelled, voided, refunded or reversed are not considered as Eligible Transactions for the purpose of this Promotion.
3.15 Chances accumulated for spending on a Supplementary Card will be reflected under the Principal Card.
3.2 Sign Up Offer
3.21 This Offer applies to applications who successfully apply for any Baiduri Credit or Debit Card during the Promotion Period and who do not have a Card or have not been holding a Card for at least the past 12 months prior to this Promotion (“Successful Applicants”).
3.22 Successful Applicants during the Promotion Period are entitled to 5x chances in the Lucky Draw and 5 years annual fee waiver.
3.23 Successful Applicants who transfer their card balance from another credit card will enjoy zero interest on the transferred outstanding balance in the first 6 months.
3.24 This Offer applies to new Principal Card applications. Downgrades, replacements and reinstatements of cards cancelled within 12 months of the Promotion Period will not be eligible.
4. Lucky Draw
4.1 Winners will be selected by random computerised draw to win the following prizes:
Grand Prize
1st Prize BND10,000
Consolation Prize BND5,000
Consolation Prize BND5,000

Monthly Prizes
January 2018 BND1,000 Cash Prize (10 winners)
February 2018 BND1,000 Cash Prize (15 winners)

4.2 Monthly winners will be notified within the following month to attend a Prize Presentation ceremony.
4.3 Grand Prize winners will be notified by March 2018.
4.4 Baiduri Bank reserves the right to draw a reserve winner or winners to replace a winner who is subsequently disqualified or whose prize is forfeited for any reason whatsoever.
4.5 Prizes must be collected in person or by an authorized representative. The representative must present the original duly completed authorization letter from the Winner and the representative's original identity card at point of collection.
4.6 The prizes are not exchangeable or transferable.
4.7 Cash rewards will be credited into Cardholder’s Card account two weeks after the Prize Presentation has been conducted. Cashback made on Supplementary Cards will be credited into the Principal Cardholder’s Credit Card account.
4.8 Baiduri Bank shall be entitled to use the names, identification numbers and pictures/photographs of the Winners for publicity materials; and may engage any Winners for its publicity purposes without any compensation whatsoever and in such manner as the Bank determines.
4.9 Baiduri Bank reserves the right to rescind prize if a Winner cancels his or her Card within 12 months of receiving the prize.
5. General
5.1 This Promotion is governed by Baiduri Bank’s terms and conditions on the related products and any other documents forming the banking agreement.
5.2 Baiduri Bank may, at any time and without prior notice or liability to any party, suspend or terminate the Promotion or vary these terms and conditions.
5.3 The Bank reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with the Promotion. The Bank’s determination of all matters relating to this Promotion shall be final and conclusive and no correspondence will be entertained.