Bank Islam Brunei Darussalam · Fully Islamic bank
Visa Gold
A Brunei household that puts BND1,000 a month or more through the card and so escapes the annual fee entirely.
- Annual fee
- B$ 120
- Profit rate
- 1.5%
- Minimum income
- Not published
- Rewards
- None
a month on the outstanding balance
Bank Islam Brunei Darussalam
Visa Gold
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 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$ 120Waived with a minimum spend / use of BND12,000 on the Card within a twelve (12) month period.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.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
- Annual fee refundable on BND12,000 of card use in 12 months — a realistic target for a household grocery-and-fuel card
- Easy Payment Plan available
Before you apply
- The waiver is conditional on spend; fall short of BND12,000 in a 12-month period and the BND120 stands.
- Ibra' is discretionary and never applies to 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 ... Visa Gold 120¹ — BIBD Schedule of Tariffs, Credit Cards”
- “¹Waived with a minimum spent /use of BND12,000 to the Card within a twelve (12) months period. — BIBD Schedule of Tariffs, Credit Cards footnote 1”
What we could not verify