To be eligible for PERDANA membership*, you need to meet one of the following eligibility criteria :


Gross monthly income assigned to the bank


Average Relationship Balance (ARB)


Total Financing Balance (TFB) at inception of relationship

*Terms and Conditions apply. Membership remains if one of these criteria is met. In case none of these critieria are met, membership may still continue. However, the customer will be liable to pay monthly charges as applicable. Please read the FAQ and Terms and Conditions before you decide to sign up for BIBD PERDANA membership.


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Enjoy the privilege of a BIBD World Credit Mastercard with added benefits:

Hadiah Points for every dollar spent

Emergency Cash Advance of up to US$3,000

BIBD Treats - privileges at selected merchants

Emergency Card Replacement

Musafir and Travel Personal Accident Takaful Cover of up to B$500,000

Purchase Protection Takaful Cover of up to B$10,000

Access to 1,000 lounges in over 500 airports worldwide

Please read this Product Disclosure Sheet and FAQ before you decide to take BIBD World Credit Mastercard. This factsheet should be read together with the Terms and Conditions governing the use of BIBD World Credit Mastercard.

As a primary member of BIBD World Mastercard, you receive complimentary 12 visits to enjoy Mastercard Airport Experiences with access to more than 1,000 lounges in over 500 airports worldwide along with offers from luxury retailers with savings of up to 15%.

To access participating lounges, present your BIBD World Mastercard or your digital lounge access code, together with your boarding pass and identify yourself as a LoungeKey TM member. To redeem offers, select your preferred offer followed by generate an offer code and present the valid offer code to the cashier in order to redeem the offer.


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With the BIBD World Debit Mastercard, enjoy the benefits of :

Hadiah Points for every 3 Brunei dollars spent

Peace of Mind - Your do not need to carry an excessive amount of cash with you

Debt Free - All purchases are directly debited from your bank account meaning no bills at the end of the month

Worldwide Acceptance - Accepted at over 43 million outlets worldwide as well as online

Easy Access to cash from over 2 million ATMS worldwide

The Best Travel Companions - You can enjoy competitive foreign exchange rates offered by the BIBD World Debit Mastercard without having to worry about foreign exchange or managing multiple currencies

Please read this FAQ before you decide to take BIBD World Debit Mastercard. This factsheet should be read together with the Terms and Conditions governing the use of BIBD World Debit Mastercard.


We realise that sometimes you require that extra flexibility to manage challenges and need access to cash. At PERDANA, we believe in delighting you. Therefore, should you require it, our Naqd facility can be tailored specifically to your needs. What's more, you enjoy complete waiver on processing fee. Speak to your Relationship Manager to get more details.

For more details, please refer to the Bank's Schedule of Tariffs or the list of applicable rates for this product. Please read this Product Disclosure Sheet before you decide to take the Naqd Financing. Be sure also to read the General Tawarruq Terms and Conditions of Sale.


Service Charges

Not meeting eligibility criteria B$100 per month


Fall Below Fee on Current Account B$12 per month
Early Closure Fee (within 6 months of opening) B$50
Premature uplift of BND and FCY Term Deposit1 Free @ prevailing rate to the nearest lower tenor


Bank Charges

Outward Telegraphic Transfer (OTT) Waived
Via RTGS Waived
Demand Draft (DD) B$20
Cable Charges for OTT B$153
OTT and DD Exchange Rate Special rate for amount ≥ B$50,000 only
Stamp Duty B$0.10

World Debit Card

Annual Fee Waived
Card Replacement4 B$15

Transaction Fee

Non BIBD ATM B$6 per transaction
Maximum withdrawal via ATM5 B$20,000 or 5 withdrawals per day whichever comes first or based on country set limit

Maximum retail purchase per day5

Point of Sale (On-Site & Online) B$30,000 or 10 times per day. whichever comes first

World Credit Card

Annual Fee

Primary Waived
Supplementary Waived up to two (2) cards only.
Subsequent cards will be charged at B$180 per card.
Card Replacement4 B$20
PIN Replacement4 B$15


Lounge Access Free 12 visits per calendar year

Online Banking6

Bank Charges

Outward Telegraphic Transfer (OTT) Waived
Via RTGS Waived
Demand Draft (DD) Waived
Cable Charges for OTT Waived

General Services

Bulk Coins Counting Waived

Annual rental on Safe Deposit Box

Box Size A: 16" x 16" x 20" B$125
Box Size B: 10" x 10" x 20" B$112.50
Box Size C: 5" x 10" x 20" B$65
Box Size D: 3" x 10" x 20" Free7

Consumer Financing

Processing Fee

Personal Financing Waived
Home Financing Waived
Naqd Financing Waived

1 Special rate during placement of Term Deposit is void upon premature uplift and normal rate based on the lowest nearer tenor will be given.
2 No changes in the Commission in lieu of Foreign Exchanges, stamp duty, and overseas charges (where applicable) for all counter remittances.
3 Chargeable on the fourth and subsequent transactions within the year.
4 The waived of card and pin replacement fee is subject to the decision of the Bank.
5 Maximum withdrawal via ATM and Retail Spending can be increased upon request only.
6 Commission in lieu of Foreign Exchange is exempted for online remittance transactions. We charge star overseas charges (where applicable).
7 Subject to availability and limited to one (1) box per membership.