Bank Islam Brunei Darussalam · Fully Islamic bank
World Mastercard
The best-value BIBD card on paper — World-tier benefits with no published annual fee — but confirm the fee with the bank first given the conflict between BIBD's own two sources.
- Annual fee
- No annual fee
- Profit rate
- 1.5%
- Minimum income
- Not published
- Rewards
- None
a month on the outstanding balance
Bank Islam Brunei Darussalam
World 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 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
- No annual feeWaived outright per the Schedule of Tariffs; supplementary cards waived up to two (2) cards only.source
- Supplementary card
- B$ 0Waived up to two (2) cards only.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
- MTP by DragonPass airport lounge access — like the Visa Platinum's Priority Pass, charged at US$32 per visit per person rather than complimentary
- No annual fee on the primary card, and none on the first two supplementary cards, per the Schedule of Tariffs
Before you apply
- BIBD's Schedule of Tariffs says the annual fee is Waived; BIBD's card-comparison web page says BND60. Confirm before applying.
- Lounge access is charged per visit at US$32, not complimentary.
- The supplementary-card waiver stops at two cards.
Can you get it?
- Other conditions
- Supplementary cardholder must be over 18. The annual-fee waiver covers only the first two supplementary cards.
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 ... World Mastercard Waived; Supplementary Card Annual Fee ... World Mastercard Waived³. ³Waived up to two (2) Cards only. — BIBD Schedule of Tariffs, Credit Cards”
- “MTP by DragonPass Lounge Access⁵ US$32⁶ per visit per person. ⁵Applicable for World Mastercard Cardholder only. — BIBD Schedule of Tariffs, Credit Cards”
- “BIBD card-comparison page 'Annual Fee for principal cardholder': BIBD World Mastercard shows 60 — CONFLICTS with the Schedule of Tariffs”
What we could not verify