Diners Club Charge Cards

diners club logo

Compare Diners Club charge cards for no pre-set spending limits and a massive range of benefits

The Diners Club charge cards changed the card payment market forever by offering members a way to make payments at selected restaurants.

These cards come in a few different flavours. As well as the Diners Club charge card, Diners Club offer business, corporate and frequent flyer cards. These cards are available as Mastercard companion accounts and give you a number of upscale features and benefits. We compare Diners Club charge cards and list some reasons why these cards should be part of your comparison if you’re in the market for a line of credit with some affluent features.

Comparison of Diners Club Charge Cards

Rates last updated June 25th, 2017
Name Product Product Description Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Diners Club Personal Card
Get 44 interest-free days on purchases. Earn 1 reward point per $1 spent on your Diners Club and 4 points per $1 spent with bonus partners.
$135 p.a.
Diners Club Personal Card + World Mastercard Card
Earn 1.25 points for every $1 spent on the World Mastercard and receive free access to over 700 International Airport & Member Lounges.
$299 p.a.
Frequent Flyer Diners Club Card
Earn 1 reward point for every $1 you spend, plus get 1 extra point per $1 you spend on selected Qantas purchases.
$95 p.a.
Frequent Flyer Diners Club Card + World Mastercard Card
Earn Qantas Frequent Flyer Points with every $1 spent, plus receive complimentary international travel and purchase cover insurances.
$260 p.a.
Diners Club Business Card
Enjoy no fixed spending limit on your card, plus 51 days to pay for purchases and complimentary international travel insurance.
$95 p.a.
Diners Club Business Card + Mastercard Card
Earn unlimited points with no expiry, plus receive complimentary access to over 500 International Airport & Member Lounges.
$249 p.a.
Diners Club Corporate Card
Take advantage of streamlined reporting, expense management tools and tax-ready statements and records.

Compare up to 4 providers

Types of Diners Club charge cards

We’ve listed the type of Diners Club charge card below. The accounts are available as single or dual accounts. The dual account includes a World Mastercard so you can benefit from the global acceptance of Mastercard.

  • Charge cards

The famous Diners Club Card. This is available as a single or dual card account. Benefit from a range of insurance covers and Diners Club Rewards Points when you make an eligible purchase. Acceptance may be an issue when you use the card at some Australian merchants, however, this isn’t a problem if you opt for the dual Mastercard account.
Learn more about Charge Cards

  • Frequent flyer charge cards

Earn rate and annual fee are two sound ways to compare frequent flyer credit and charge cards. These cards have a generous Qantas earn rate and combine the travel privileges of a World Mastercard and Diners Club frequent flyer card. If you can justify the product’s annual fee through the return value of the frequent flyer points, consider a Diners Club frequent flyer charge card if you’re a big spender.
Learn more about Frequent Flyer Credit Cards

  • Business charge cards

Get rewarded for your business spending with Diners Club points. This is an option for small business owners who can apply for the Diners Club Small Business Card and use the account as a line of credit for business spending. Get up to 51 days to pay your statement in full and you won’t get charged any interest.
Learn more about Business Credit Cards

  • Corporate charge cards

The Diners Club Corporate Cards are flexible so you can pick and choose account features to match the needs of your company. There are company and cardholders benefits such as detailed reporting to make expense itemisation simple. Due to the lack of corporate credit cards and accounts on the market, this account from Diners Club addresses many of the specific needs of CFOs.

The benefits of banking with Diners Club

Enjoy the following benefits when you apply and get approved for a Diners Club card.

  • Diners Club charge card — no pre-set spending limit

Apply and get approved for a Diners Club charge card and you get no pre-set spending limit. These cards from Diners Club have no credit limit. Although it says no pre-set spending limit,  whether or not your transaction is processed is based on your financial standing.

  • Diners Club Rewards

Earn uncapped rewards points when you spend on your Diners Club card or the linked World Mastercard. Use a combination of both cards to make sure you earn the most points in every situation. Earn up to triple the points when you shop at Diners Club bonus partners and points never expire.

  • Diners Club Privileges

These cards give you access to airport lounges and a wide number of special privileges like member deals on a round of golf at some of the finest courses in Australia. These types of perks are fun to explore when you’re planning an activity or travelling on holiday. There are many privileges and benefits that come when you have a Diner Club charge card.

How to apply for a Diners Club charge card

Start a secure online application for a Diners Club charge card and get approved in under fifteen minutes. You’ll find out about the status of your application right after you hit submit. You may need to provide extra information before your application can be processed.

Application criteria

Eligibility for a Diners Club charge card is based on the following:

  • Whether you meet the income and credit rating requirements
  • You're over the age of 18
  • You're a permanent Australian resident

Required information

Have the following information at the ready to assist with your application for a Diners Club charge card:

  • Identification.  You’re asked to provide some basic information about yourself, like your name and your address. You will also need to verify your identity by providing a driver’s licence number or a copy of another form of accepted identification. Provide the name and details of a friend or relative not living with you and enter the details of any additional cardholders to add to the account.
  • Employment and income. Enter your gross income and your employer’s details. If you earn under $35,000 p.a. you must provide information about other sources of income to support your application.
  • Spend and use.  Answer some general questions about how you plan to use your Diners Club charge card and approximately how much you plan on spending every month.

Frequently asked questions

Read the following FAQs if you have a question about a Diners Club charge card. We can provide general information about these products if you ask us a question using the form below the FAQs.

Once you get word that your application has been processed and approved, you should receive your Diners Club Charge Card within seven to 14 business days. If you haven’t had a response from Diners Club about the status of your application, you can call Diners Club customer service and quote your application reference number.

When you apply for a Diners Club charge card you’re actually applying for a Diners Club credit account that has two cards. Get a Diners Club card and a World Mastercard to use so you can use the account to spend in more places and earn more rewards when you do.

Before you can get cash you need to get a PIN. Complete a Request for Cash Access/ATM PIN form to get your charge card PIN or call the customer service team.

For all companion account holders, the PIN is same for the Diners Club charge card and the World Mastercard.

Diners Club acceptance is growing. The companion Diners Club and Mastercard accounts mean you can use your World Mastercard in millions of places all over the world.

Yes, you can use your Diners Club Charge Card to make purchases like any other credit card. Dual Mastercard and Diners Club accounts can benefit from the worldwide acceptance of a Mastercard card too.

The annual fee is charged to the account when you activate the account. You have until the next statement is issued plus two weeks before you’re charged interest.

Once you’ve filled out a form requesting your PIN, you can use either the Diners Club card or the World Mastercard card at millions of ATMs around the world. Mastercard is accepted at more ATMs than the Diners Club card.

You can pay your account using the following methods:

  • BPAY - Diners Club Biller Code: 3012. Customer reference number: your credit card number. Log on to make a BPAY payment from internet banking from another financial institution.
  • Direct debit -  Set up a direct debit by completing the Diners Club Direct Debit Request.
  • Bank@Post - Take your credit card statement to Australia Post and pay by cash or cheque.
  • By mail -  Write your membership number on the back of a cheque and send it to the address on your statement.

Your credit card statement has detailed information about making a payment to your Diners Club charge card, too.

Pay your account using one of the methods in the previous question and your payments are applied to the transaction with the highest rate of interest first and transactions accruing the lowest rates of interest last. You don’t get charged any interest if you pay your account in full when your statement is issued. It doesn’t matter which card you use to carry out a transaction, it’s all charged to the one account so you only need to make one payment.

Lose your Diner Club Card or need to get it replaced before it expires? Call Diners Club and they will issue a free replacement card and they'll send it to you within 24 hours.

You have two options. You can add an additional cardholder to the account when you apply for the account or you can do it after by completing and sending off an Additional Card Application.

Three things to remember about adding an additional cardholder to your account.

  • The main cardholder is responsible for all spending on the account and must pay for any spending on additional cards
  • The primary and additional cards have different numbers
  • The card statement shows which cards completed each transaction

Internet banking cuts out the need to go to a bank branch for most requests. You can manage your account, make payments, view transactions and get statements on your desktop or mobile device. Register your account for Internet banking in three steps. Head to the Diners Club website for more information.

Get comprehensive international travel and medical insurance when you meet the following conditions.

  • Your entire return journey is less than three months in duration
  • The total cost of the return overseas travel ticket was charged to the eligible Diners Club charge card account
  • Any dependant children or spouses are also eligible for cover when they meet the above two conditions and are also travelling with the primary cardholder for the entire journey
  • If the overseas travel ticket is a one-way journey only up to 31 days of cover will be provided under the policy
Back to top
Back to top

Read more on this topic

American Express Velocity Platinum Card
American Express Velocity Platinum Card

Interest rate

20.74

Annual fee

375
ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99

Ask a Question

You are about to post a question on finder.com.au

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

12 Responses to Diners Club Charge Cards

  1. Default Gravatar
    don | January 26, 2015

    how many diners club
    points for hawain airline points

    • Staff
      Jonathan | January 27, 2015

      Hi Don,

      Thanks for your inquiry,

      Diners club to HawaiianMiles is 2:1.

      I hope this helps,

      Cheers,

      Jonathan

  2. Default Gravatar
    John | June 26, 2014

    which atm can I use my diners club card in.

    • Staff
      Shirley | June 27, 2014

      Hi John,

      Thanks for your question.

      You can use any ATM that displays the Diners symbol.

      Cheers,
      Shirley

  3. Default Gravatar
    Janeen | July 22, 2013

    How do I cancel out of Secure Sentinel membership?

    • Staff
      Jacob | July 22, 2013

      Hi Janeen. Thanks for your question. Please contact a member of their customer service team to cancel your Secure Sentinel Membership. Cheers. Jacob.

  4. Default Gravatar
    Govindram | July 17, 2013

    Can I use Discover card wherever Diners club card is accepted at airport lounges worldwide.

    To use the lounge facility, must I buy the airline ticket with discover card? Or

    I can use the lounge facility because I have discover card.

    • Staff
      Jacob | July 17, 2013

      Hi Govindram. Thanks for your question. You don’t need to be flying on a specific flight in order to take advantage of the complimentary lounge access, you only need to have your card on you to get access to the lounges. I hope this helps. Jacob.

  5. Default Gravatar
    Terry | May 12, 2013

    After five e-mails now over a year, asking a simple question I have not had a response.

    Where is your accountability?

    • Staff
      Jacob | May 12, 2013

      Hi Terry. Thanks for the feedback. Can you please let me know what you would like to know? There is no record of your email address in the system. Jacob.

  6. Default Gravatar
    Peter | May 12, 2013

    Can I withdraw cash with my Diners Card from ATM’s in Hawaii as I do in Australia

    • Staff
      Jacob | May 12, 2013

      Hi Peter. Thanks for the question. You can use this card where ever MasterCard cards are accepted. There will be extra fees when you do this though. Jacob.

Credit Cards Comparison

Rates last updated June 25th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent in the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 of eligible spend and receive complimentary travel and purchase protection insurances.
19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
NAB Premium Card
An introductory rate of 0% p.a. for 20 months on balance transfers combined with premium benefits such as travel insurance covers.
19.74% p.a. 0% p.a. for 20 months with 2% balance transfer fee $90 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

Ask a question
feedback