Designed to Meet
Your Needs
To be eligible for PERDANA membership*, you need to meet one of the following eligibility criteria:
Gross monthly income assigned to the bank
B$10,000
Asset Under Management (AUM)
B$100,000
*Term and Conditions apply. Membership remains if one of these criteria is met. In case none of these criteria are met, membership may still continue subject to BIBD rights to vary, suspend, withdraw or terminate the products and/or services. 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 PERDANA membership.
Features and Benefits
| World Credit Mastercard | World Debit Mastercard | ||
| 4 Hadiah Points for every dollar spent. | ✓ | ✓ |
Peace of Mind - Debit card transactions are recorded and allowing you to track your expenses through BIBD NEXGEN Wallet easily. |
BIBD Promotions - Enjoy exclusive offers and privileges at our selected partner merchants. | ✓ | ✓ | Easy Access to cash - Withdraw cash at over 2.3 million ATMs worldwide which display the Mastercard and Cirrus logos. |
Mastercard Global Services - Get emergency assistance virtually anytime, anywhere and in any language. Report a lost or stolen card, get an emergency replacement. | ✓ | ✓ | Security - Built-in with additional security features to protect against unauthorized use when making online purchases at 3DS participating merchants. |
Takaful Coverage - Automatically covered for Travel Personal Accident Protection up to B$50,000, Card Purchases Protection and Musafir Takaful up to B$5,000. | ✓ | ✓ | Worldwide Acceptance - Accepted globally at over 100 million outlets as well as online. |
| Access to over 1,300 Airport Lounges worldwide via the Mastercard Travel Pass by DragonPass. | ✓ | ✓ | Please read this Product Disclosure Sheet (English/Malay) before you decide to take the BIBD World Debit Mastercard. This document should be read together with the Terms and Conditions governing the use of the BIBD World Debit Mastercard. |
Please read this Product Disclosure Sheet (English/Malay) before you decide to take the BIBD World Credit Mastercard. This document should be read together with the Terms and Conditions governing the use of the BIBD World Credit Mastercard. | ✓ | ||
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Shariah Concepts
The Shariah concepts for credit card are:
Al-Wakalah Bil Ujrah (Agency with fee)
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.
Al-Kafalah bil Mal (Financial Guarantee)
Financial Guarantee - BIBD guarantees the Merchant for the Cardholder’s payment for the goods or services provided by the Merchant.
The Shariah concept for debit card is:
Al-Wakalah Bil Ujrah (Agency with fee)
The Bank will act as an agent (“Wakil”) by providing Direct Debit Point of Sales (POS) service and cash Automated Teller Machine (ATM) withdrawals service to Cardholders for a prescribed fee.
As a Perdana member, every year you will receive 12 complimentary visits for your BIBD World Mastercard Primary Card. This pass grants access to over 1,300 lounges in more than 400 airports worldwide, along with exciting offers from selected luxury retailers.
You can also gain access to the lounges with our BIBD World Mastercard Supplementary Card and BIBD World Debit Mastercard, subject to the prescribed fee in the Bank's Schedule of Tariffs.
To enhance your travel experience, we recommend downloading the Mastercard Travel Pass app prior to any travel for easy management of lounge visits and offers.
At PERDANA, we have tailored the Naqd Facility to suit your needs should you require it.
Features and Benefits
| Shariah ConceptTawarruq 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.
Please refer to the latest Schedule of Tariffs.
