Features & Benefits

  • A Credit Card which gives you more rewards with every purchase. For every B$1 you spend on your Card, you earn 2 Hadiah Points. Additionally, for every B$2,000 and above you spend in a month, an extra 500 Hadiah Points will be also rewarded. On top of that, you will also get to earn 1 Hadiah Point for every B$2 overseas spent inclusive of online shopping.
  • Comes with Visa payWave - a fast and easy payment method that lets you pay by simply just wave and go.
  • Gives you the convenience of converting your purchases into an affordable 0% repayment scheme with BIBD Easy Payment Plan. Click here for more info on EPP.
  • Enjoy peace of mind as you will automatically be covered with Takaful Coverage along with access to Emergency Card Replacement and Emergency Cash Disbursement anywhere around the world. To find out more about the Takaful Coverages, click here.
  • If you are a frequent online shopper, rest assured as your card is protected with 3D Secure & Verified by Visa from unauthorized use.
  • 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$120 yearly*.
    Supplementary Cardholder - B$60 yearly (waived up to 2 cards only).
  • 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 Visa Gold Credit Card.

*Waived when you have spent/used a minimum of B$8,000 with your Card within a twelve (12) month period.

Terms and Conditions apply.