Features & Benefits

  • A Card which gives you rewards of 2 Hadiah Points for every B$1 spent inclusive of any cash advance. Your Hadiah Points can be redeemed for cash, air miles, donate to charities, fee waiver, bill payment and e-Tunai.
  • Gives you the convenience to convert your purchases into an affordable 0% repayment scheme with BIBD Easy Payment Plan. Click here for more info on EPP.
  • The Card is accepted worldwide at over 36 million merchants and 2 million ATMs including online transaction.
  • Enjoy peace of mind as you will automatically be covered with Takaful Coverage for Travel Personal Accident Coverage of up to B$75,000. To find out more about the Takaful Coverages, click here.
  • You can shop online with confidence as your card is protected with an additional layer of online shopping security with MasterCard SecureCode.
  • Enjoy yearlong and seasonal discounts through our exclusive offers from a wide variety of merchants locally through our BIBD Treats and Delights.

Shariah Concept

  • Al-Kafalah bil Mal (guarantee)

    Under the concept of Al-Kafalah bil Mal, BIBD guarantees to the Merchant the payment for the goods or services purchased by the Cardholder.

  • Al-Wakalah bil Ujrah (agency concept)

    Under this concept, BIBD is acting on behalf of the Cardholder to administer the Cardholder's payment to the Merchant and managing the Card Account with the imposition of a prescribed fee.


  • Brunei Citizens, Permanent Residents and Foreigners.
  • Principal Cardholders - Individuals aged 21 years and above.
  • Supplementary Cardholders - Individuals aged 18 years and above.

Required Documents

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

Required Collaterals

  • Assignment of Salary and/or Wakalah Term Deposit.


  • Annual Fee:
    Principal Cardholder - B$35.
    Supplementary Cardholder - B$15.
  • Other Fees and Charges, please refer to the Bank's Schedule of Tariffs.

Please read this Product Disclosure Factsheet before you decide to take BIBD MasterCard Classic Credit Card.

Terms and Conditions apply.