BIBD Treats

Download the full list of merchants and discounts here.


The following Terms and Conditions (“these Terms”) apply exclusively to the BIBD Treats Merchant Discount Programme (“the Programme”) held by Bank Islam Brunei Darussalam Berhad (“BIBD”).


1.1 The Programme will commence from 3rd April 2019 and end on 31st December 2020 inclusive (“the Period”) or such other date(s) as may be determined by BIBD, at its sole discretion from time to time.

1.2 Customers may avail of the discounts when they make payments using any BIBD Credit Card (World, Platinum, Gold and Classic) and BIBD Debit (collectively “BIBD Cards”) at any participating merchants who have subscribed to the Programme throughout the Period.



2.1 The Programme is open to all new and existing BIBD Credit Card (World, Platinum, Gold, and Classic) and BIBD Debit Card (collectively “the Cardholders”).

2.2 Cardholders whose facilities with BIBD are in delinquent or past due status and/or are facing civil/legal/bankruptcy proceedings are not eligible for participation in the Programme.

2.3 Cardholders whose accounts have been suspended, cancelled or terminated for whatsoever reasons during the Period, shall be disqualified from this Programme.

2.4 Successful retail transactions made using BIBD Cards through any Point-Of-Sale (“POS”) Terminals situated at the premises/outlets of merchants participating in the Programme will be eligible for participation in this Programme.

2.5 For the avoidance of doubt, cash withdrawal transactions of any kind including withdrawals made through any of BIBD’s Automated Teller Machine(s) or over the counter will not qualify for purposes of inclusion in the Program.



3.1 During the Period the following criteria and conditions must be met to be eligible for the discounts:




Every purchase transaction via Retail / POS with:


  1. BIBD World Mastercard Credit Card
  2. BIBD World Mastercard Debit Card 
  3. BIBD Mastercard Platinum Credit Card
  4. BIBD Visa Platinum Credit Card 
  5. BIBD Mastercard Gold Credit Card
  6. BIBD Visa Gold Credit Card
  7. BIBD Mastercard Classic Credit Card
  8. BIBD Debit Platinum MasterCard Card
  9. BIBD Debit Mastercard Card


  1. Retail transactions made through POS machines which are approved, cleared and settled.
  2. Some Cardholder discounts are subject to the participating merchant’s minimum spend policy and other Terms and Conditions.



4.1 The discounts to be given away under the Programme are available at participating merchants, as listed on the BIBD website.

4.2 If BIBD subsequently determines that a person is not eligible or entitled to a discount for any reason whatsoever, BIBD may at its discretion reclaim the discount.



5.1 By participating in the Programme, the Customer expressly agrees to be bound by these Terms.

5.2 BIBD reserves the right to extend, cancel, terminate or suspend the Programme at any time with prior notice to the Customer.

5.3 BIBD shall not be held liable for any and/or all form of losses or damages suffered or incurred by the Customer as a direct or indirect result of the extension, cancellation, termination or suspension of the Programme.

5.4 BIBD reserves the right to modify, amend, vary or add to any of these Terms from time to time with notice to the Customer.

5.5 In the event of any inconsistency between these Terms and any marketing or promotional materials relating to the Programme, these Terms shall prevail.


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