Features & Benefits

  • Access cash instantly at more that 1 million MasterCard, Cirrus and Maestro ATMs worldwide.
  • Accepted by over 25 million merchants worldwide, the BIBD MasterCard Credit Card is your ideal partner when you travel and shop.
  • Enjoy discounts and exclusive offers from a variety of merchants including restaurants and specialty retail stores. For list of participating merchants, check out our BIBD Delights! for more information.
  • Get rewarded with BIBD Hadiah Points! Every B$1 spent will reward you with 2 Hadiah Points. Redeem for cash back or purchase that item in your wish list from your accumulated Hadiah Points.
  • Covered with Travel Personal Accident Takaful, Musafir Takaful, and Purchase Protection Takaful if you purchase items and flight tickets using your BIBD Credit Card.
  • Convert your credit card purchases into affordable installment of Easy Payment Plan (EPP).
  • No need to wait for credit card bills to be mailed to you. You can now view your monthly credit card statement via BIBD Online.
  • View your recent credit card transactions or check your available limit with the added convenience of bill payment, all through BIBD Online.
  • For your peace of mind, we will contact you if we detect any unusual transactions on your card account.

Shariah Concept

  • Al- Kafalah bil Mal (guarantee)

    In Kafalah, the customer gives the bank collateral and pays a fee to the bank as security in exchange for the bank’s guarantee/surety. This guarantee or surety issued by the bank whereby the bank guarantees to discharge the liability of a customer should the customer default in fulfilling his obligations.

  • Al- Wakalah bil Ujrah (agency concept)

    Wakalah refers to an agency contract whereby one party will appoint another to perform transactions on their behalf for a fee payment or a commission. In this case, the cardholder enters a contract with BIBD, allowing the bank to perform transactions on customer’s behalf.


  • Brunei Citizens and Permanent Residents
  • Principle cardholder - Individuals aged 21 years and above
  • Supplementary cardholder – Individuals age 18 years and above
  • Assignment of salary / collateral

Required Documents

  • Identification card or passport
  • Latest salary slip
  • Statements of Current or Savings Accounts
  • Confirmation letter of salary credited into BIBD account, as issued by employer (where applicable)

Fees and Requirements

  • Annual Fees
      Classic Card Gold Card
    Principal BND 35.00 BND 120.00
    Supplementary BND 15.00 BND 60.00

Terms & Conditions apply. For more information please read our Credit Card Product Disclosure Factsheet / Lembaran Fakta Pendedahan Kad Kredit.

For more information on Takaful Coverage, click here ( Personal Accident. Musafir. Purchase Protection.)

For more information on Easy Payment Plan (EPP), click here.