Diners Club Charge Cards | Compare Offers Against The Market

Diners Club Charge Cards

Diners Club was the world’s first charge card, and its Australian operations are now owned by Citibank. All Diners Club charge cards earn rewards or frequent flyer points, and come with other attached benefits.

Diners Club was founded in the United States in 1950, by Frank McNamara and Alfred Bloomingdale, as a way of paying restaurant bills without the need for cash. It was the world’s first charge card, pre-dating American Express cards by eight years.

Diners Club International was acquired by US financial services group Citibank in 1981, and although Diners Club franchises in North America are now owned by the BMO Harris Group, with other financial institutions acquiring the franchises in other countries, Diners Club Australia is still owned by Citibank, the largest foreign bank in Australia.

Diners Club cards accepted worldwide

Just like cards from Visa, Mastercard and American Express, Diners Club cards are accepted throughout the world, particularly because Diners Club has now partnered with Mastercard. Cardholders have access to 38 million merchants and more than 800,000 ATMs, in over 185 countries.

Australian Diners Club cards

Australian Diners Club personal card accounts now come either as a standalone Diners Club card or as a card duo: a Diners Club International card, and a Mastercard. All cards also carry the Citi logo.

The card accounts come in two varieties, one of which earns Diners Club Rewards Points and one which earns Qantas Frequent Flyer points.

A charge card, not a credit card

Diners Club cards are charge cards, not credit cards. You still get interest-free days on purchases, but the account balance must be repaid in full every month, on or before the due date. There is no option to repay only a part of the balance and pay interest on the remainder.

Because they are charge cards there’s no pre-set spending limit (but not unlimited credit). They deliver financial flexibility to cardholders with a superior credit rating.

Diners Club Rewards

Diners Club cards also earn Diners Club Rewards points on spending. Points can be redeemed for options including gift vouchers, travel and accommodation, airline frequent flyer points, entertainment vouchers and a wide range of merchandise.

Airport lounge access

One of the major benefits for Diners Club cardholders is the access it gives them to more than 800 airport lounges worldwide.

Travel and shopper’s insurance

Each Diners club card also comes with complimentary international and domestic travel insurance, purchase insurance, extended warranty cover and a guaranteed pricing scheme.

Citibank dining program

Because the cards are issued by Citi, you’ll also have access to the Citibank Dining Program, brining you a free bottle of wine when you dine at any of a large number of restaurants, and pay with your Citi card.

Other Diners Club and World Mastercard Privileges

The Diners Club/World Mastercard pair of cards also grants access to other benefits, including free membership or discounts with a shipping accumulation service, a wine purchasing club, airport concierge service, worldwide golf program, and dining and accommodation privileges.

Business and corporate cards

Diners Club also issues a range of cards for small businesses and larger corporations.

rewards program
sign-up bonus
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Business credit card with no fixed spending limit.
Earn 1 rewards point per $1 spent.
Complimentary travel insurance and purchase protection.
More info
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Diners Club Rewards
Diners Club Rewards
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Diners Club Frequent Flyers Club Card
Earn frequent flyer points and rewards.
Up to 44 days on purchases.
$95 p.a. annual card fee.
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Qantas Frequent Flyer
Qantas Frequent Flyer
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Earn 2 points per $1 spent on Diners Club transactions
Up to 44 days on purchases.
Earn 1 pt per $1 spent
More info
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Diners Club Rewards
Diners Club Rewards
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Q&As about Diners Club Charge Cards from customers

Q: What is Diners Club?

Diners Club was the world’s first charge card, starting in the US back in 1950. Its US operations are now owned by the BMO (Bank of Montreal) Financial Group. But the Diners Club Australian franchise is owned by Citigroup.

Q: Is a Diners Club card a credit card or a charge card?

It’s a charge card, which means there’s no pre-set spending limit (but not unlimited credit). It delivers financial flexibility to cardholders with a superior credit rating.

You still get interest-free days on purchases, but the account balance must be repaid in full every month, on or before the due date. There is no option to repay only a part of the balance and pay interest on the remainder.

Q: Don’t Diners Club cards have limited acceptance by merchants?

Yes, like American Express cards, Diners Club cards are not as widely accepted as Visa and Mastercard. But Australian Diners Club card accounts, operated by Citibank, give you the option of having a pair of cards on one account – a Diners Club card and a Mastercard. This combination delivers access to 38 million merchants and 800,000 ATMs worldwide.

Q: What kind of Diners Club cards are available in Australia?

You can have a standalone Diners Club card or a Mastercard/Diners Club card duo on a single account. Both options come in a Diners Club Rewards points or Qantas Frequent Flyer points variety.

There are also cards available for both small business and large corporations.

Q: What can I do with Diners Club Rewards points?

Points can be redeemed for options including gift vouchers, travel and accommodation, airline frequent flyer points, entertainment vouchers and a wide range of merchandise.

Q: Are there any complimentary benefits accompanying Diners Club cards?

Yes. In addition to Diners Club Privileges (with Diners Club cards) and World Mastercard Privileges (with the optional companion Mastercard), all cards have the following complimentary benefits:

  • Access to 800 airport lounges worldwide
  • International and domestic travel insurance
  • Shopper’s insurance: purchase cover, extended warranty, guaranteed pricing scheme
  • Free wine when you dine via the Citibank Dining Program
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