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Diners Club Personal Card + World Mastercard Card

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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.


Reward points

Per $ spent

$299 p.a.

Annual fee

44 days

Interest free period

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Product NameDiners Club Personal Card + World Mastercard Card
Rewards programDiners Club Rewards
Purchase rateN/A
Annual fee$299
Interest-free period44 days
Card typeDiners Club
Available to temporary residentsNo
Joint applicationNo


  • Earn up to 2 points per $1 spent
  • Access to 700 international airport and member lounges
  • Complimentary Travel Insurance and Purchase Protection


  • Charges a high annual fee of $299
Rewards programDiners Club Rewards
Rewards points per $ spent0.75
Annual fee$299
Cash advance fee4% or $4, whichever is greater
Overseas cash advance fee4% or $4, whichever is greater
Additional cardholder fee$50

Expert review

Sally McMullen

Review by

Sally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

This Diners Club account comes with both a Diners Club card and a World Mastercard, which means you can make payments even if Diners Club is not accepted. It offers 2 Diners Club rewards points per $1 spent with the Diners Club card and 0.75 points per $1 spent with the Mastercard. Unusually, you can even earn points for cash advance transactions – although the fees that come from withdrawing cash could offset the benefit of these points.

How to apply

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

  • Residency. You must be a citizen or permanent resident of Australia.
  • Age. You must be at least 18 years old.

Card benefits

  • 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.

Rates & fees

  • 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.
  • 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.

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  1. Default Gravatar
    July 5, 2016


    • Avatarfinder Customer Care
      July 6, 2016

      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
    January 10, 2016

    Can the MC be used for BPay payments?

    • Avatarfinder Customer Care
      January 11, 2016

      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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