Diners Club Personal Card + World Mastercard Card Rates & Fees

Take advantage of premium Diners Club rewards with the convenience of a Mastercard.

The Diners Club Personal Card and World Mastercard is a charge card and so has no pre-set spending limit. The World Mastercard card makes accessing your cash easy, with 37 million locations and 2 million ATMs in over 210 countries. The Diners Club Personal Card and World Mastercard only has one PIN and statement, making the cards relatively easy to manage. In addition to financial flexibility, you also have access to World Mastercard privileges and rewards.

Product NameDiners Club Personal Card + World Mastercard Card
Rewards ProgramDiners Club Rewards
Purchase rate (p.a.)N/A
Annual fee$299 p.a.
Interest Free Period
The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date.
Up to 44 days on purchases
Card TypeDiners Club
Complimentary Travel InsuranceYes
Minimum Age18 years of age
Available To Temporary ResidentsNo
Annual fee$299 p.a.
Cash Advance Fee$4 (if <$100) or 4% (if $100 or more)
Overseas Cash Advance Fee$4 (if <$100) or 4% (if $100 or more)
Additional Cardholder Fee$50
Rewards ProgramDiners Club Rewards
Bonus Points
Rewards Points per $ spent (VISA/MC)0.75
Rewards Points per $ (VISA/MC) CapUncapped

Benefits of the Diners Club Personal Card and World Mastercard

  • No pre-set spending limit. Cardholder’s spending is not restricted by fixed spending limits, providing users with the freedom to manage their finances according to what they can afford and how they need to use their card.
  • Global use. There is no shortage of locations to use your Diners Club Personal and World Mastercard. The Diners Club Personal Card network includes over 800,000 ATMs and cash access locations and the World Mastercard provides you with access to further 2 million ATMs.
  • Diners Club privileges. Cardholders receive premium services including access to the hundreds of Diners Club Airport and Member lounges around the world, preferred seating at major concerts and events and international offers when travelling overseas to name a few.
  • Mastercard World privileges. VIP treatments and exclusive hotel benefits, first-class airport concierge services, world-class access to exclusive benefits at restaurants, events and stores are just some of the privileges that come with the Mastercard World card.

Features of the Diners Club Personal Card and World Mastercard

  • Annual fees. Although the Diners Club Personal Card and World Mastercard combine the benefits and features of two cards, it only incurs a single annual fee of $299. However, there is a fee of $50 for additional cards. Unlike the regular Diners Club Card, the Personal Card and World Mastercard incur no extra rewards fee, as it is covered by the annual card fee.
  • Complimentary insurances. Cardholders can enjoy various free insurance covers with this card. International Travel Insurance, Interstate Flight Inconvenience Insurance and Transit Accident Insurance will benefit the world traveller. For anyone making purchases on their card, the Guaranteed Pricing Scheme, Purchase Cover Insurance and Extended Warranty Insurance are on offer.
  • Rewards points. For every $1 spent, you will receive 2 points on your Diners Club Card and 0.75 points on your World Mastercard Card. You can use your points to redeem rewards such as merchandise, travel, gift cards or cashback to your account. You can view and manage your Diners Club Rewards account online.
  • 44 days for payment. The Diners Club Personal Card and World Mastercard offers cardholders up to 44 days to pay for purchases. To avoid default fees, you need to pay the account within 14 days after the account issue date.

How to apply for the Diners Club Personal Card and World Mastercard

If you have decided that this card could be of use to you, you will need to ensure that you meet the following application criteria:

Eligibility criteria

  • You are at least 18 years old.
  • You have a good credit rating.
  • You are a permanent resident of Australia.

Required documents

  • Personal details including your name, age, residential address and contact details
  • Employment details including the name of your employer’s organisation, position and income
  • If you’re an existing Diners Club member, you will also be required to provide your account number and details.

Although the Diners Club Personal Card and World Mastercard card could be useful to some cardholders, it is worthwhile to compare other alternative options to get the most value.

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4 Responses

  1. Default Gravatar
    ANNEJuly 5, 2016


    • finder Customer Care
      MayJuly 6, 2016Staff

      Hi Anne,

      Thanks for your question.

      Yes, you can, but that is subject to the frequent flyer program terms and conditions. The ratio would be 2.5 Diners Rewards points = 1 Skywards Mile.

      To transfer, log in online or call Diners Club and follow these steps:

      1. Select the participating travel loyalty program you want to transfer points to.
      2. Select the number of points to transfer.
      3. Confirm and accept the terms and conditions.

      Hope this helps.


  2. Default Gravatar
    jcJanuary 10, 2016

    Can the MC be used for BPay payments?

    • finder Customer Care
      DebbieJanuary 11, 2016Staff

      Hi Jc,

      Thank you for your inquiry.

      Yes, you can use your Diners Club MasterCard for paying via BPAY. Get your customer reference number or Diners Club Card number handy with you as you will be using this upon payment. Also, please note that the Diners Club Biller Code is 3012 and a transaction fee of $0.75 may apply to each payments.

      For a comparison of other Diner Club cards, please refer to this page.

      I hope this helps.


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Rates last updated February 23rd, 2019
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19.99% p.a.
0% p.a. for 22 months
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19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
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