Credit Card General Benefits

Discount from Different Stores

From time to time, you will receive BNU News, a newsletter informing you about some benefits or promotion programs offered by different stores for our credit card holders. These programs and benefits are updated regularly on BNU News and other promotional materials.

Gift Redemption

You may redeem your bonus points in cash or alternatively in several gift items that are shown on the quarterly BNU News or other promotional materials.

Purchase Protection Plan

Every purchase you make with your BNU Gold or Classic Credit Card anywhere in the world is automatically insured up to MOP20,000 against damage, loss or theft with the protection period of 30 days starting from the date the transaction took place. BNU Platinum Credit cardholders have their purchases insured up to MOP40,000 and for a 60-days period.

Instalment Program

Many stores which accept BNU Credit Card allow purchases to be paid by instalments (from 6 to 12 months). The name of these stores will be updated from time to time. You can call our service hotline for more details.

Extra Credit Limit Increase Service

Whenever you need extra credit line for whatever purpose, you may call our 24-hrs Customer Service Hotline to ask for temporary increase your credit limit. We make sure that you have the highest possible flexibility to handle your purchases.

Interest-free Repayment Period-8 weeks

From your statement day, you have 26 days to make you repayment to your BNU Credit Card account. In another words, you can have an interest free period of up to 8 weeks from the day you make the purchase with BNU Credit Card.

Flexible Repayment

You may choose not to pay in full the balance of your Card account. You may pay any amount between the minimum payment amount (3% of the statement balance or MOP100) and the entire statement balance. When you choose not to pay the full balance, a Finance Charge will be calculated at 2.5% per month on the daily unpaid balance.