Diners Club has a generous rewards program that allows you to earn and redeem points for travel, merchandise, cashback and gift cards. You can even convert your points to 15 different frequent flyer programs and hotel group loyalty schemes.
Although Diners Club rewards cards only have limited acceptance in Australia, the Diners Club + World Mastercard account rewards you with Diners Club Rewards points or frequent flyer points when you shop in millions of places all over the world. Here, we look at the key details of the Diners Club Rewards program, including cards that allow you to earn points, frequent flyer and hotel group partners, redemption options and other factors to consider before applying for Diners Club charge cards and credit cards.
This rewards program is designed specifically for Diners Club cardholders. If you have a Diners Club Charge Card or Diners Club + World Mastercard, you can earn up to 3 Diners Club Rewards points on every $1 spent. You can also earn up to 6 points per $1 when you shop at Diners Club Rewards bonus partners using the Diners Club + World Mastercard. Partner categories include travel, automotive, electrical and business service merchants. Other key details of the program include:
No points limits. There is no limit on the number of Diners Club Rewards points you can earn in a year.
Additional cardholders. You can use your points or let additional signatories for your account use the points.
No expiry. Points do not expire.
Points can be redeemed for flights and merchandise rewards through the Diners Club Rewards website. You can also transfer your Diners Club points to a large number of frequent flyer and hotel loyalty partners including Velocity, Emirates Skyward and Etihad Guest frequent flyer programs.
Note that you may not earn points for transactions such as paying credit card fees, government charges, paying some bills and purchasing traveller’s cheques.
Which cards offer Diners Club Rewards?
Diners Club Charge Cards for individuals
Diners Club has two different personal cards that allow you to earn Diners Club Rewards:
The Diners Club Charge Card
The Diners Club Charge Card rewards you with 1 Diners Club point per $1 spent on eligible purchases and 4 points per $1 spent at Diners Club bonus partners.
This card also includes complimentary airport lounge access, discounts on shipping items from the United States, VIP membership to Cellar Door – the Diners Club VIP wine club – preferential ticketing arrangements and a range of Diners Club international benefits. It has an annual card fee of $135 and a $77 rewards program fee.
The Diners Club + World Mastercard
The Diners Club + World Mastercard is a dual card account. A Diners Club card and a World Mastercard are issued so you can use the Diners Club card to earn the maximum number of points, and the World Mastercard option where Diners Club isn’t accepted.
You earn 2 Diners Club Rewards points for every $1 spent on eligible purchases using the Diners Club card and 0.75 points using the World Mastercard.
This dual card account features a number of complimentary insurances including overseas travel insurance, interstate flight inconvenience insurance and transit accident insurance. It also includes extended warranty, purchase cover insurance and guaranteed pricing scheme insurance for eligible purchases made on either card.
In addition to these features, you get access to the Citibank Dining Program. Eat out at a participating Citibank Dining Program restaurant and you’re eligible for a free bottle of award-winning wine with your meal. This card has an annual fee of $299 p.a., which includes the rewards program fee.
Diners Club Charge Cards for business
Diners Club also has two account options for businesses that want to earn Diners Club Rewards.
The Diners Club Business Charge Card
This card offers 1 point per $1 spent for most purchases, with up to 3 points per $1 with bonus partners. It’s accepted at 15 million businesses around the world and provides you with up to 51 days to pay the balance.
The Diners Club Business Charge Card also provides a range of complimentary extras including international travel insurance, interstate flight inconvenience insurance, transit accident insurance, purchase insurances and complimentary access to over 500 international airport and member lounges.
In addition to these benefits, it has specific business features including online account access, statements that comply with ATO guidelines for tax invoices, GST details for purchases and quarterly BAS reporting. The Diners Club Business Charge Card has an annual fee of $95, a rewards fee of $77 and an additional cardholder fee of $80.
The Diners Club and World Mastercard
This option provides businesses with both a Diners Club card and a World Mastercard for greater acceptance. The Diners Club card offers 1 point per $1 spent, and the World Mastercard offers 0.5 points per $1. Both cards offer an additional 3 points per $1 spent with bonus partners.
You can use either card to gain access to complimentary extras including international travel insurance, interstate flight inconvenience insurance, transit accident insurance and purchase insurances. Meanwhile, the Diners Club option for this account also provides other Diners Club Privileges including free access to over 500 international airport and member lounges, Diners Club Shipping and Cellar Door.
Similar to the standard Diners Club Business Charge Card, this account offers statements that comply with ATO guidelines for tax invoices and GST details for purchases when you use the Diners Club card. Both that card and the World Mastercard also offer online account access and quarterly BAS reporting. It has an annual fee of $249 and an additional card fee of $79.
What rewards are available through the Diners Club Rewards program?
You can redeem your Diners Club Rewards points for a variety of gifts and services. Some of the key options include:
Travel rewards. Redeem your Diners Club Rewards points for travel services through www.dinersclubrewards.com.au. Travel services include airline tickets, airport taxes, car hire and accommodation.
Cash rewards. Redeem your points to dollars with David Jones, Myer, Woolworths, JB Hi-Fi and Hoyts gift cards: $50, $100, $200 and $500 value. You can even use your Diners Club Rewards points to pay for the annual fee on your Diners Club Card or receive cashback.
Merchandise. Merchandise rewards include: technology and homewares gifts such as computers, televisions, music players and accessories, gaming consoles, and fashion goods and accessories such as cologne, watches and handbags.
Charitable donations. You can choose to use your points for $50 or $100 donations to organisations including the Australian Red Cross, Fred Hollows Foundation and the Starlight Children’s Foundation.
Transfer points. The Diners Club Rewards program also allows you to transfer your reward points to 17 airline and travel loyalty programs, including Virgin Australia’s Velocity frequent flyer program, Emirates Skywards, Etihad Guest and Hilton Honors.
What loyalty and frequent flyer programs can I transfer Diners Club points to?
Transfer your Diners Club points to any one of these frequent flyer and loyalty groups.
The frequent flyer program of Virgin Australia airlines.
1 points = 1 Velocity Points
How can I redeem my points?
Follow these steps to redeem your Diners Club Rewards points.
1. Log on to the Diners Club Rewards website and search for the reward you want by navigating through the main page.
2. Search for a reward by entering the maximum number of points you would like to redeem and by entering the name of a specific reward into the search bar.
3. Add the rewards to your shopping trolley and proceed to the checkout to enter your delivery address and confirm the transaction.
Other factors to consider
Pay attention to the rates, fees and charges of these Diners Club rewards cards.
Annual fee. Ideally, the annual fee of the Diners Club card that you choose should be worth less than the value of the rewards you earn. You can weigh up these factors by considering your average card spending, the points you would earn and the benefits they would provide. Note that with some cards, you will also have to pay a rewards program fee.
Additional cardholder fee. If you want to add additional cardholders to your Diners Club account, you’ll have to pay an additional annual fee.
Interest rates. Diners Club cards are charge cards, which means that you have to pay the balance in full for each statement cycle. As such, no interest charges apply.
Statement period. Diners Club gives you a set number of days to pay your card balance in full for each statement period. If you don’t pay your balance by the due date, additional fees and penalties may apply.
Complimentary extras. You’re eligible for a range of insurances including travel and purchase protection insurance. You and your family are covered for items such as lost luggage and flight delay when the cost of the overseas travel ticket has been charged to your account.
Card acceptance. Diners Club cards are accepted in fewer places than Visa, Mastercard and even American Express credit cards. he Diners Club + World Mastercard account has wider acceptance, but comes with a higher annual fee.
Card surcharges. Merchants can apply a higher credit card surcharge for Diners Club purchases as it is typically more expensive to accept them when compared to other cards.
Diners Club provides a generous rewards program with a one-for-one conversion rate for many frequent flyer programs. Diners Club cards do have high annual fees, so make sure you compare rewards and frequent flyer credit cards to find the right rewards card for your budget.
Frequently asked questions
Yes, you can redeem your Diners Club Rewards points for a travel voucher in someone else’s name.
Look for the cashback option in the Diners Club Rewards catalogue. You’re provided with different cashback options based on the number of points you would like to redeem. It should take no more than one week to process the transaction.
Look for the annual fee category in the Diners Club Rewards catalogue. The number of points required is based on the card. Allow up to one week for the transaction to clear.
Yes, you can choose to earn Qantas Points instead of Diners Club Rewards with either of the following personal Diners Club cards:
The Frequent Flyers Diners Club card. This card offers 1 Qantas Point per $1 spent, an annual fee of $95 and a rewards program fee of $55.
The Frequent Flyer Diners Club + World Mastercard. This dual card account offers 1.5 Qantas points per $1 up to $60,000 and 1.25 points per $1 after that for spending on the Diners Club card. The World Mastercard linked to this account earns 1 Qantas point per $1 for the first $60,000 and 0.75 points per $1 thereafter. It has an annual fee of $260.
Amy is an editor and writer at finder.com.au with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.
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