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Diners Club Cards

Diners Club Card

Updated 11 August 2021

Earn uncapped Reward points with no expiry date, no pre-set spending limit plus, free access to more than 1,000 airport lounges worldwide with the Diners Club card. Enjoy complimentary Travel Insurance, Purchase Protection, and other handy feature and extras.
T&Cs apply.

Points Earn Rate (per $1 spent)

1 point

Diners Club

Rewards Program

Diners Club Rewards

Bonus Points


Pros and cons

  • No limit to the number of Reward points you can earn and no points expiry date.
  • No Pre-set Spending Limit
  • Free access to more than 1,000 airport lounges worldwide
  • Complimentary Travel Insurance and Purchase Protection
  • Complimentary wine with the Citibank Dining Program

  • Annual supplementary card holder fee of $50
  • Rewards fee of $77 review

Editor Review

Diners Club Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of about this card.

The Diners Club Card

Offering an alternative to a standard credit card, the Diners Club Card is a charge card that earns points on the Diners Club Rewards program. Aside from providing cardholders the opportunity to earn points, the card also offers an array of extras, including complimentary travel insurance and purchase protection, airport lounge access, discounted shipping from the US, and great deals on wine via Diners Club’s Cellar Door and the Citibank Dining Program.

What we love...

First up, let’s talk about how the Diners Club Card works as a charge card. Unlike a regular credit card, a charge card has no pre-set spending limit – and there is no interest, as you pay your account balance in full with each statement. Allowing you to manage your finances more carefully, this type of account could save you from falling into a cycle of revolving debt, while still providing you with access to credit when you need it.

It’s fair to say Diners Club does not offer the same acceptance as say, Mastercard. However, Diners Club cards are accepted at more than 135 Million Merchant Locations and 1.3 Million ATMs around the world. If you decide you need the extra accessibility of Mastercard, you could opt for the Diners Club Card + World Mastercard for a higher annual fee.

So, what does the Diners Club Card have to offer? One of the great things about this card is the opportunity it provides cardholders to earn rewards on the Diners Club Rewards program. As a cardholder, you will earn 1 Rewards Point per $1 spent, providing you with unlimited points, and no expiry on the points you earn.

As a flexible rewards option, the Diners Club Rewards program allows users to redeem points for vouchers and merchandise, similar to most other rewards programs. Cardholders can also redeem points with Diners Club travel partners, including more than 14 international partner airlines and hotel partners.

What about those extras? The Diners Club Card goes fairly big on extras, which may go some way to making up for its more limited acceptance.

  • Lounge Access: Helping to make travel a lot more comfortable and productive, this card provides free access to more than 1,000 Diners Club Airport and Members Lounges, offering the perfect space to work or relax.
  • Diners Club Shipping: Allowing you to save on shipping when buying online from US sites, Diners Club Shipping is powered by – the largest and most trusted package-forwarding service in the world.
  • Diners Club Cellar Door: This feature gives you access to a range of quality wines at special prices, with no obligations, commitments or minimum purchases. Simply choose from the range, and your wine will be delivered across Australia directly to your door.
  • Diners Club Privileges: Diners Club Membership provides you access to a host of offers and benefits worldwide, including accommodation, dining and shopping discounts. And as Diners Club is now part of the Citibank Dining Program, you can enjoy a complimentary bottle of award-winning wine when you dine at a Dining Program partner restaurant.
  • Complimentary Insurance: Travel insurance is offered in the form of International Travel Insurance, Interstate Flight Inconvenience Insurance and Transit Accident Insurance. Purchase protection is offered in Extended Warranty Insurance, Purchase Cover Insurance and Guaranteed Pricing Scheme. Read the PDS for full info.

What’s not so great...

Bearing in mind the Diners Club Card is a points-earning card packed with features, you need to be aware of the fees you will pay to keep it in your wallet. While the annual fee is not super high, it does charge an additional Rewards Fee and an additional cardholder fee as well. To work out whether the total cost of the card is worth it, calculate the value of the points you will earn combined with the extras you will make use of.

Why should you choose this card?

The Diners Club Card is designed for cardholders who want to earn rewards while enjoying some nice extras on the side. Backed by excellent customer support available 24/7, this card could work well for cardholders who like to travel, offering lounge access and complimentary travel insurance. It may also be a great choice for those who like to shop online from US merchants.

If you like the idea of a charge card rather than a credit card, the Diners Club Card would be well worth considering. The card provides up to 44 days interest free on purchases, and you can avoid getting into a cycle of revolving debt by paying off your balance each month by the due date.

Overall Rating

Offering charge card flexibility, the Diners Club Card earns uncapped points on the Diners Club Rewards program, alongside extras such as access to Airport and Member Lounges and the Citibank Dining Program, and a full suite of complimentary insurance covers.

User reviews

Diners Club Card ( based on 1 user review )

64% rating based on 1 review

Customer Service

Rates and fees

Interest rates

Purchase rate N/A

Cash advance rate N/A

Interest free period on purchases up to 44 days

Credit limits

Minimum credit limit N/A

Maximum credit limit N/A

Fees & repayments

Annual fee $135 p.a.

Additional cardholder fee Up to 99 - $50 p.a.

Foreign transaction fee 3%

Minimum repayment

Cash advance fee N/A

Late payment fee $30 or 3% (whichever is greater)

Rewards and points

Rewards program

Rewards Program Diners Club Rewards Diners Club Rewards

Bonus points N/A

Annual points cap uncapped

Bonus points spend criteria N/A

Earning points with this card

Diners Club Rewards points 1 point per $1 spent

Points cap per month N/A

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance Yes

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance No


Free access to 1,000 airport lounges worldwide


Diners Club Card

The Diners Club Card gives you Diners Club’s benefits with ability to earn 1 point per $1 spent. Redeem your points across 14 airlines and get complimentary access to more than 1,000 airport lounges worldwide. Enjoy complimentary Travel Insurance and Purchase Protection.

Key features

  • You can earn up to 1 points for every $1 spent
  • Redeem with over 14 international partner airlines
  • Free access to more than 1,000 airport lounges worldwide
  • Complimentary Travel Insurance and Purchase Protection
  • Complimentary wine with the Citibank Dining Program
  • Annual card fee of $135
  • Rewards fee of $77
  • Annual supplementary card holder fee of $50

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Resident or citizen of Australia

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

Showing one question (showing the latest 10 Q&As)



28 July 2017
are diners card about to end rewards points
    Roland B Bleyer - Founder


    31 July 2017
    Hi Barry, not that I am aware of though there are many changes going on right now in the rewards points space. In the end you need to make sure that you are a maximizing the rewards you get based on spend and annual fee.

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