Diners Club Personal Card

Earn Diners Club points on your eligible spending and take advantage of Diners Club perks including airport lounge access and shipping deals when you shop online.

The Diners Club Personal Card can be used at over 35 million businesses around the world. It earns 1 Diners Club point per $1 spent, which you can redeem for cashback, gift cards, experiences or point transfers to frequent flyer and other loyalty programs.

$135 p.a.

Annual fee

44 days

Interest free period

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!


Product NameDiners Club Personal Card
Rewards programDiners Club Rewards
Purchase rate0% p.a.
Annual fee$135
Interest-free periodUp to 44 days on purchases
Card typeDiners Club
Minimum income$35,000
Available to temporary residentsNo
Joint applicationNo
Rewards programDiners Club Rewards
Bonus pointsN/A
Annual fee$135
Cash advance fee4% or $4, whichever is greater
Overseas cash advance fee4% or $4, whichever is greater
Additional cardholder fee$50

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Diners Club Personal charge card earns a competitive 1 point per $1 on eligible spending and offers point transfers to up to 12 loyalty programs – including Flybuys, Singapore Airlines KrisFlyer and Emirates Skywards. It also offers a mix of gift cards, cashback and experience-based rewards that are similar to those offered by a range of rewards credit cards.

How to apply

You can apply for a Diners Club Personal Card by filling in a secure form on the Diners Club website or by calling 1300 360 060. Get started by making sure you meet the eligibility requirements and have all the documents and details you'll need for the application.

Eligibility criteria

  • Minimum income. You must earn at least $35,000 per year.
  • Australian residency status. You must be an Australian resident.

Card benefits

  • Points per $1 spent. Earn 1 point per $1 spent on eligible transactions made with your Diners Club card, which covers most purchases or cash advances. Transactions that don't earn points include account fees, and government-related transactions such as those made at Australia Post, payments to the Australian Taxation Office (ATO), council fees and public transport fares.
  • Diners Club Rewards. The points you earn can be redeemed for digital rewards including cashback on your account, gift cards, travel bookings, shopping with Apple and point transfers to loyalty programs including Flybuys, Singapore Airlines KrisFlyer and Emirates Skywards. As an example, you could redeem a $200 gift card for Coles, Woolworths or Bunnings starting from 37,100 points.

Rates & fees

  • Annual fee. The Diners Club Personal Card has an annual fee of $135.
  • Rewards fee. As well as the annual fee, a yearly rewards fee of $77 applies for this account. This means you'll pay a total of $212 for the card.

Ask an expert

To ask a question simply log in via your email or create an account.

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

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site