Diners Club charge cards

Diners Club is one of the oldest credit-based card brands in the world, with its first card launched way back in 1950s New York. In Australia, not many businesses accept Diners Club cards but it has partnered with Citi to offer accounts with both a Diners Club card and a World Mastercard – so you can use it in more places. You can also choose to earn points through the Diners Club Rewards program or through Qantas Frequent Flyer.

Diners Club charge card comparison

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Name	Product	Rewards program	Annual fee	Complimentary travel insurance
Diners Club Personal Card + World Mastercard Card		Diners Club Rewards	$299	Yes	Earn 0.75 points for every $1 spent on the World Mastercard and receive free access to over 700 International Airport & Member Lounges.	More Info	Compare	loading Fetching your data...
Frequent Flyer Diners Club Card + World Mastercard Card		Qantas Frequent Flyer	$260	Yes	Earn Qantas Frequent Flyer Points per $1 spent, plus receive complimentary international travel and purchase cover insurances.	More Info	Compare	loading Fetching your data...
Diners Club Card + Mastercard Card		Diners Club Rewards	$249	Yes	Earn unlimited points with no expiry, plus receive complimentary access to over 700 International Airport & Member Lounges.	More Info	Compare	loading Fetching your data...
Diners Club Corporate Card		Diners Club Rewards		No	Take advantage of streamlined reporting, expense management tools and tax-ready statements and records.	More Info	Compare	loading Fetching your data...
Diners Club Personal Card		Diners Club Rewards	$135	No	Get up to 44 days to pay your purchases and earn rewards points for your spending.	More Info	Compare	loading Fetching your data...
Frequent Flyer Diners Club Card		Qantas Frequent Flyer	$95	Yes	Earn 1 reward point for every $1 you spend, plus get 1 extra point per $1 you spend on selected Qantas purchases.	More Info	Compare	loading Fetching your data...
Diners Club Business Card		Diners Club Rewards	$95	Yes	Enjoy no fixed spending limit on your card, plus 51 days to pay for purchases and complimentary international travel insurance.	More Info	Compare	loading Fetching your data...

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Types of cards from Diners Club

• Diners Club Rewards charge cards

The famous Diners Club Card earns Diners Club Rewards Points per $1 on eligible purchases and offers complimentary insurance for international travel and eligible shopping. You can redeem your points for rewards including travel, cashback, digital gift cards and point transfers to loyalty programs including Velocity Frequent Flyer, Singapore Airlines KrisFlyer and IHG Rewards Club.

As a charge card, you don't pay interest but do need to pay the total account balance by the due date on each statement. But Diners Club cards have limited acceptance and potentially high surcharges in Australia, so you may want to get an account that also comes with a World Mastercard.

Compare charge cards here

• Diners Club frequent flyer charge cards

Diners Club gives you a choice of two Qantas Frequent Flyer accounts. With the Frequent Flyer Diners Club Card, you'll earn 1 Qantas Point per $1 on eligible spending wherever Diners Club is accepted.

With the Frequent Flyer Diners Club Card + World Mastercard account, you get two cards linked to the same account and earn 1.25 Qantas Points per $1 spent on eligible purchases with the Diners Club Charge Card and 0.5 points per $1 spent with the Mastercard. Both of these accounts also offer 1 additional Qantas Point per $1 for eligible spending with Qantas.

• Business charge cards

The Diners Club Business Card earns reward points per $1 on eligible transactions and has detailed statements that can help you track and report spending for your business. It also offers access to over 1,000 airport lounges and complimentary travel insurance.

With this charge card, you get 51 interest-free days to pay your statement in full.

Compare business credit cards here

• Corporate charge cards

The Diners Club Corporate Cards offer a range of account features to match the needs of your company. Some of the key benefits include detailed reporting, tax-ready statements and airport lounge access. You also have the option of a customised Corporate Travel Program.

The Diners Club Rewards program

Available exclusively to people with Diners Club cards, this rewards program gives you a way to earn points for all your eligible spending, with no limit on how many points you can earn and no expiry.

You can use these points to get rewards including gift cards, cashback, Apple products or point transfers to programs including Velocity Frequent Flyer, Asia Miles, Emirates Skywards and Flybuys.

Diners Club Rewards point transfer partners

Below is a list of the loyalty programs you can transfer points to from your Diners Club account, including the transfer rates.

Note that these rates are based on details from the Diners Club Rewards website in April 2021. As Diners Club may update these details, make sure you log in to your account to get the most accurate information about point transfers.

Benefits of getting a Diners Club Card

Some of the key features you can get with a Diners Club card include:

• Airport lounge access

Diners Club has partnered with airport lounges around the world to offer you complimentary access when you show your card and valid boarding pass. Some lounges also allow you to bring a guest, although fees may apply. You can search for lounges and individual entry details on the Diners Club website or by downloading the Diners Club Travel Tools mobile app. Note that some lounges are temporarily closed right now due to the coronavirus pandemic.

• Diners Club Shipping

If you're shopping with US retailers, you can get discounted shipping and parcel-forwarding options through a partnership with MyUS.com. As a Diners Club cardholder, perks include free premium membership for 24 months, 15% savings on your first shipment and 10% savings on all subsequent shipments.

• Diners Club and Citi Rewards cards

If you have a Citi Rewards credit card, you can request a linked Diners Club Card as part of your account. This gives you a way to earn more points, including Qantas Frequent Flyer points if you have enrolled in Citi Qantas Rewards. You can request a linked Diners Club Card when you apply for an eligible Citi credit card, or by logging into your Citi Online account and going to "Services" then "Card Services". Eligible cards include:

• • Citi Rewards
  • Citi Premier
  • Citi Premier Qantas
  • Citi Prestige
  • Citi Prestige Qantas Card

• Mastercard World Benefits

If you get a companion World Mastercard, you'll unlock exclusive offers on shopping, dining, travel and golf. For example, you can get complimentary green fees and golf lessons at participating locations around the world – including in Sydney, Melbourne and Perth.

Eligibility criteria

Before you can apply for a Diners Club Card there are a few eligibility boxes you need to tick.

Each card has slightly different details for who can apply, but all Diners Club cards include the following:

Application criteria

• Minimum income. You must meet the minimum income requirements for your chosen Diners Club account. This varies depending on the account that you choose, so make sure you check before you apply.
• Residency status. You must be a permanent Australian resident or citizen.
• Age. You must be at least 18 years old.
• Credit history. You must have good credit history.

How long does it take to apply?

If you want to apply for a Diners Club Charge Card, call Diners Club on 1300 360 060 to discuss the options currently available.

If you want to get a linked Diners Club Card as part of a Citi Rewards account, it takes around 10 minutes to apply for a Citi credit card online. During step 4 of the application, you'll be asked "Would you like to request a Linked Diners Club Card?" and should click on "Yes" to get both the Mastercard and linked Diners Club Card. You can also call Citi on 13 24 84.

Documents and details

• Identification. This includes your full name, date of birth, contact details and a valid form of ID, such as your driver's licence or passport.
• Employment and income. This includes 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

• When do I get my card?

  While Diners Club does not provide details on how long it takes to get a card, most credit and charge cards will arrive in the post within 5-10 working days of being approved. If you want an update on your application, you can call Diners Club at any time on 1300 360 060.

• Why do I get two cards?

  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 so you can use the account to spend in more places and earn more rewards when you do.

• Where can I use my Diners Club charge card?

  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.

• Can I use my card to make purchases online?

  Yes, you can use your Diners Club charge card online with businesses that accept Diners Club. Alternatively, you could use the linked World Mastercard to make purchases with businesses that don't accept Diners Club but do accept Mastercard.

• How can I redeem Diners Club Rewards points?

  Follow these steps to redeem your Diners Club Rewards points:

  1. Go to https://www.dinersclubrewards.com.au/
  2. Log in with your account details. This is also how you can check your points balance.
  3. Search for the reward you want and follow the prompts to redeem it.

  Some rewards give you the option of using a combination of points and cash if you don't have enough points for the reward you want. You can also call Diners Club on 1300 360 060 if you have any questions about getting rewards or your points balance.

• How do I order a replacement Diners Club charge card?

  If your card is lost or stolen, call Diners Club on 1300 360 060 (available 24/7). Diners Club will send you a replacement free of charge anywhere in the world, with dispatch offered within 24 hours of processing your request.

• How do I order an additional Diners Club charge card?

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

  There are 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.

• How do I register for Internet banking?

  From 1 December 2019, you can manage your Diners Club account through Card Services Direct Online. You will need to set up a new user ID and password as part of this process.

• How do I activate the complimentary international travel insurance?

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

  • Your entire return journey is three months or less 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.