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Diners Club Credit Cards
Take advantage of instalment plans and a no first-year annual fee with a Diners Club card.
Diners Club cards offer a range of features, including complimentary travel insurance, 0% interest instalment plans and rewards points that can be used to redeem merchandise, air miles, and more. With several cards to choose from including charge cards and co-branded cards, there’s a card to cater to a range of needs.
Read on to find out everything you need to know about Diners Club Credit Cards.
Types of Diners Club cards
Diners Club offers a wide array of cards for different needs. Available cards include:
Diners Clubs credit cards include 0% interest-free instalment plans for vehicle road tax and other eligible purchases, complimentary Diners Club lounge access at the airport, 58 days interest-free credit period on purchases when you pay your balance in full, a frequent flyer program, club reward points and travel insurance.
The difference between a charge card and a regular credit card is that a charge card requires you to pay your balance in full at the end of each billing cycle, whereas with a regular credit card, you can opt to make monthly minimum payments on the balance over several months. Diners Club charge cards also offer no pre-set spending limits and a wide range of benefits, which may include higher insurance coverage.
Through joint sponsorship with popular retail merchants, Diners Club issues co-branded credit cards that provide extra perks and rewards for cardholders that shop at these establishments frequently. For example, cardholders can earn a 5% rebate of up to S$1,000 spent per month at Sheng Siong outlets with the Diners Club/Sheng Siong Cobrand Regular Credit Card.
Benefits offered to Diners Club cardholders
- Global usage. The Diners Club network includes over 1 million ATMs and cash access locations in more than 100 countries.
- Diners Club Rewards. Cardholders can get access to hundreds of Diners Club airport and member lounges around the world, dining discounts, preferred seating at major concerts and events, international travelling offers and more.
- Over-the-counter cash advance. You can access an emergency cash advance of up to US$1,000 every 7 days at designated counters such as Diners Club offices, selected Citibank branches, participating banks and hotels worldwide.
- 0% interest instalment plans. With the Diners Club instalment plan, you can pay your vehicle road tax in 6 monthly instalments at 0% interest. Eligible purchases are also entitled to 12 interest-free monthly instalments.
The perks listed above are a non-exhaustive list of Diners Club benefits. You’ll want to check the terms and conditions of each type of card you compare, in order to understand all the benefits (and exclusions) that apply to the card.
Features of the Diners Club cards
- Annual fees. At the time of writing (June 2020), all Diners Club cards come with a first-year annual fee waiver. This applies both to your primary card and one supplementary card. Subsequent annual fees range from S$30 to S$180 for credit cards, S$15 to S$80 for supplementary cards and S$35 for charge cards.
- Complimentary insurance. Diners WorldTraveller provides travel benefits including international travel insurance, flight inconvenience compensation and transit accident insurance.
- Rewards points. For every S$1 spent on your Diners Club card, you will earn 1 Club Rewards point. You can use your points to redeem merchandise, travel, gift cards, annual fee waivers and other rewards. Rewards points aren’t capped or limited by an expiry, allowing you to accumulate and save points at your leisure.
- Interest-free payment period. Diners Club offers one of the longest interest-free payment periods among credit card providers in Singapore. Receive up to 58 days interest-free when you make a purchase on the card and you pay your account in full each month.
- Card limit. Typically, Diner’s credit card has a S$500 limit. Be aware of the high fees that apply if you exceed this borrowing figure.
How to apply for a Diners Club card
You can apply for a Diners Club card online in around 15 minutes, or by mailing or faxing with a completed application form. Make sure you meet the eligibility requirements and have all the relevant details ready for the application.
- Age. Be between 21 to 65 years old. Certain cards, such as the Diners Club International Ace Credit Card, allow applicants above 18 to apply with a parent or guardian’s permission.
- Residential status. Singaporean citizens, permanent residents and foreigners with valid employment passes may be eligible for Diners Club cards.
- Minimum income. Different cards have different minimum income requirements. Remember to check the annual income requirement for the card you are interested in.
- Credit rating. You need to have good credit standing.
- Personal documents. You’ll need to provide a photocopy of your NRIC (front and back) or passport. Foreign applicants are also required to submit a photocopy of a working visa with at least 12 months validity.
- Income documents. Depending on your residential and employment status, you’ll need to provide various income proof such as CPF statements, Income Tax Notice of Assessment, billing proof and computerised payslips.
Frequently asked questions
Diners Club cards offer a number of beneficial features, including 0% interest-free instalment plans for eligible transactions, a $0 first year annual fee and complimentary insurance. However, you won’t find this card to be as widely accepted in Singapore as Visa or Mastercard. Before applying, make sure to weigh up the benefits and costs of the card with other credit card options to get the most value.Back to top
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