Bank Islam Brunei Darussalam · Fully Islamic bank
Gold Mastercard
A mid-tier Brunei cardholder who wants a Mastercard-network Islamic card without the Visa Gold spend requirement.
- Annual fee
- B$ 120
- Profit rate
- 1.5%
- Minimum income
- Not published
- Rewards
- None
a month on the outstanding balance
Bank Islam Brunei Darussalam
Gold Mastercard
Read it from the source
What makes this card Islamic
Bank Islam Brunei Darussalam builds this card on a Wakalah contract. The bank acts as your agent, paying the shops on your behalf, and charges you an agency fee.
Agency-with-fee structure; monthly Administration Fee for the Wakalah service at a rate applied to the card limit, with discretionary Ibra'.
Approved by BIBD Shariah Advisory Body, under the supervision of Brunei Darussalam Central Bank (BDCB), named as 'the Authority' in BIBD's own card terms.
What it costs
Every figure below comes from Bank Islam Brunei Darussalam’s own published documents. Where the bank does not publish a number we say so rather than estimate it.
- Annual fee
- B$ 120Primary Card Annual Fee. No waiver footnote is attached to the Gold Mastercard row (unlike Visa Gold).source
- Supplementary card
- B$ 60Supplementary Card Annual Fee.source
- Profit rate
- 1.5% a month on the outstanding balanceAdministration Fee of 1.5% per month on the card limit, common across BIBD's credit-card range.source
- Cash withdrawal
- BND35 per withdrawal; BND2,000/day ATM and counter limits.
- Late payment
- Not published
- Foreign currency spend
- 2% on top of the exchange rate
- Replacement card
- B$ 20
- Takaful cover
- Takaful coverage provided by a Takaful Provider authorised by the Bank; rate not published.
What you get back
Other benefits
- Easy Payment Plan on purchases of BND300 upward
- Free card delivery within Brunei
Before you apply
- Confusingly, BIBD's Gold Mastercard and Visa Gold both cost BND120 a year, but only the VISA Gold carries the BND12,000-spend waiver footnote. The Mastercard version has no published waiver.
- Ibra' is discretionary and excludes cash advances.
Can you get it?
- Other conditions
- Supplementary cardholder must be over 18.
Where these figures come from
Last checked against Bank Islam Brunei Darussalam’s published documents on 2026-08-17. Banks change fees without notice, so treat the bank’s own document as the final word, not this page.
- “Primary Card Annual Fee ... Gold Mastercard 120; Supplementary Card Annual Fee ... Gold Mastercard 60 — BIBD Schedule of Tariffs, Credit Cards”
What we could not verify