Enjoy up to 24 months of affordable instalments, absolutely interest-free! From home furnishings, electrical appliances and mobile devices, you can now manage your payments with flexibility and ease.


What is the 0% Instalment Plan?
The 0% Instalment Plan is a flexible repayment scheme exclusively for all Baiduri Credit Cardholders, where you can convert your credit card purchases into easy instalments of 6, 12, 18 or 24 months at 0% interest.

How can I take advantage of the 0% Instalment Plan
To take advantage of the 0% Instalment Plan you need to spend at least BND300 (or equivalent) in a single receipt. Your purchase amount must not exceed the available credit limit on your card.

There are several ways to apply for 0% Instalment:
  • Apply for 0% Instalment Plan through your Personal i-Banking account.
  • Contact Baiduri Bank Customer Helpline to convert the transaction into 0% Instalment Plan (for Platinum and Infinite Cardmembers only)
  • Bring your receipt (if any) to Baiduri Card Centre or any Baiduri Bank branch and request to have the transaction converted.
  • Request for the 0% Instalment Plan application form at point of purchase (applicable at selected merchants only).
Is there any cut-off time to apply or submit a 0% instalment plan request?
Any instalment plan request received 7 working days before the next Statement Date will be processed and included in the upcoming statement cycle. Instalment plan requests received later than the stipulated time frame above will only be included in the following month's statement.

Will my credit limit be affected?
Yes. Once your application is approved, your available credit limit will be reduced by the amount of your purchase.

For example:
Available credit limit before 0% Instalment Plan:
Purchase amount to be converted into Instalment:
Available credit limit after 0% Instalment Plan:
Your available limit will gradually return to the original amount as you make your regular repayments.

Are there any fees for the 0% Instalment Plan?
A one-time processing fee will be applicable as follows:

Classic and Gold 3% or minimum BND30
Platinum 3% or minimum BND30
Infinite BND30 flat

A processing fee of BND100 will apply for cancellation or early settlement of the 0% Instalment plan.

For more information, please visit your nearest Baiduri Bank branch or Baiduri Card Centre, or call the Baiduri Bank Customer Helpline 2449666.

Click here to review Terms and Conditions for 0% Instalment.

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