Diners Club is a credit card provider that started its journey in the year 1950, in the United States of America. Today, it is a prominent name all over the world. In Singapore, the company currently offers 14 credit cards. We’ve put together a list of all these cards along with a gist of the features and benefits each of them offers. Read on, to find out more.
The Diners Club International Ace Credit Card is more like a student card. You must be at least 18 years old in order to apply for it. If you’re 21 years old or younger, you need the consent of your parents or guardian to apply. Although this card is not available to regular card members, you can apply for it if you earn a minimum income of S$16,000 (does not apply to NSFs and students) every year. The credit limit is fixed at S$500. The annual fee is S$28, but the fee for the first year is waived.
The Diners Club/VICOM Cobrand Credit Card is a privileged card that apart from being accepted worldwide also gives you special offers and free services at several leading automobile companies in the country. It also comes with a free Esso Fleet Card to help you enjoy savings on fuel purchases at Esso fuel stations on the island. You also get to make use of the various Diners Club Privileges that come along with it. This card also comes in a version that has a S$500 credit limit meant to be used by students, NSFs, and people (other than regular card members) with incomes of S$16,000 p.a. or more. The annual fee is S$180 (S$28 for the S$500 limit card) which is waived for the first year.
This card comes loaded with a range of benefits apart from the usual Diners Club Privileges. You get to earn air miles when you use it. You can also use it to buy the goods and services you want now and pay for them later using the Buy-Now-Pay-Later facility that’s available. In Singapore, it lets you withdraw cash from any ATM belonging to POSB, DBS, and Citi. The annual fees of the Diners Club International Credit Card is S$180. However, this cost is waived off for the first year, effectively making it free of cost for you for the first year of its usage.
The Diners Club International Charge Card comes loaded with all the regular Diners Club facilities such as using AXS Stations to pay your bills. You can also use this card to apply for the Auto Top-Up facility of your EZ-Link card. You also get the privilege of withdrawing cash from over a million ATMs all over the world – you’ll never have to be stuck without cash again. The card is free for the first year after which an annual fee of S$100 will apply.
Designed in collaboration with the popular brand Mustafa, the Diners Club/Mustafa Cobrand Credit Card gives you a range of benefits when you shop at these stores. Along with the regular Diners Club benefits and facilities, you also get to enjoy offers such as Mustafa Points on your purchases with this brand, welcome gifts, and more. This co-branded card is available in 2 versions – a regular credit card (annual fees of S$180; free for the first year) and one with a credit limit of S$500 that is designed for students, NSFs, and people earning annual incomes of at least S$16,000 (annual fees of S$28; free for the first year).
As a co-branded card, it is curated to give you special offers when you use it at Secret Recipe Cafes in the country. The Diners Club/Secret Recipe Cobrand Credit Card is accepted worldwide and also gives you access to all the benefits and features offered by Diners Club. You get a host of special Secret Recipe benefits such as welcome vouchers when your application is approved and up to 15% discount on your bills at the cafe. On your birthday month, you get to enjoy a discount of 20% on your bills here. This card is available in two varieties – a regular card that has an annual fee of S$180 (free for the first year) and another card with a credit cap of S$500 meant for NSFs, students, and individuals earning S$16,000 p.a. or more (not meant for regular card members) with an annual fee of S$28 (free for the first year).
The Diners Club/Sheng Siong Cobrand Credit Card is designed to give you exclusive privileges when you use it to shop at Sheng Siong while giving you access to all the other benefits of Diners Club as well. From earning cash rebates every year to getting free rice, using this card when shopping at outlets of this brand can help you save money on essential purchases for your family. The card comes in two varieties – a regular credit card that charges a fee of S$180 p.a. and a fixed S$500 credit limit card that is designed for students, NSFs, and people who earn an income of S$16,000 p.a. or more (unavailable for regular card users), which charges an annual fee of S$28. Both of these cards are free for the first year. The annual fee will apply from the second year onwards.
Offering you discounts of up to 35% when you use it to pay for your purchases, the Diners Club/Nature’s Farm Cobrand Credit Card is designed to give you special offers at Nature’s Farm stores. From shopping vouchers on your card application approval to reward vouchers for spending on the card, it pays to use the card for your most regular purchases at these outlets. The card also features several of the other privileges brought to you by Diners Club. It charges an annual fee of S$180 and is free for the first year.
The Diners Club/Long Beach Cobrand Credit Card has been developed in collaboration with the popular brand Long Beach. This partnership brings you a list of exclusive privileges that you can take advantage of when you dine at outlets owned by this brand. Special benefits at Long Beach include discounts, and rebates when you use the card to pay for dining bills at the brand. You also get brand vouchers when your card application gets approved by the bank. The card charges you an annual fee of S$180. It is, however, free for the first year.
This card brings you the best of Diners Club Privileges including 0% instalments payment plans, the facility to pay bills through AXS Stations in the country, and interest-free credit periods of almost 2 months. It also gives you the freedom to get cash at any time from more than 1 million ATMs both locally as well as when you’re travelling abroad. It comes with an annual fee of S$60. The card fee is waived off for the first year.
Created to give you a variety of offers and privileges with HomeTeamNS - the non-profit organisation set up for the benefit of NS men and the Singapore Police Force. You get an NTUC voucher worth S$20 once your card application is approved. Apart from this, you get to enjoy cash rebates when you use the card to book facilities at the participating merchants who are inside the HomeTeamNS clubhouses. The card is available in two forms – a regular card (with an annual fee of S$30) and a S$500 credit limit card (with an annual fee of S$28). The annual fees for both cards are waived for the first year of use. There also is an entrance fee of S$80 which is currently waived.
This co-branded card is designed to give you a range of benefits at JP Pepperdine. From cash rebates to complimentary dining offers, it helps reduce your dining bills when you eat at selected restaurants. The Diners Club/JP Pepperdine Cobrand Credit Card comes in two versions – the regular credit card that has an annual fee of S$180 and the S$500 limit card that charges S$28 p.a. The annual fees for both cards are waived for the first year.
The Diners Club Affinity Credit Card is a card that is affiliated with a number of organisations in the country. For example, it offers affinity programs with Home Team NS, Air-Line Pilot Association of Singapore, Library Association of Singapore, and many more. If you are affiliated with any of these organisations, you can apply for this card by mentioning your program affiliation and membership number.
The card charges an annual fee of S$30 which is waived for the 1st year. There is an entrance fee of S$80 which is also currently waived.
List of affiliate programs:
The Diners Club Affinity Charge Card is meant for people who are members of the organisations listed below. If you are affiliated with any of these organisations, you can apply for this card by mentioning your affiliation membership number on your card application form.
The card comes with an annual fee of S$35. This is waived for the first year. It also has an entrance fee of S$80 which is currently waived.
Each of the Diners Club credit cards is unique in its own way, offering a range of specific offers and benefits.
The following table lists out how much income you need to be earning in order to apply for these credit cards. It also tells you if each card offers a Cobrand S$500 Limit Card as well, for which the income and age criteria are different.
|Diners Club Card||Income for Singaporeans and PRs (p.a.)||Income for Foreigners (p.a.)||Minimum Age||Cobrand S$500 Limit Card|
|Diners Club International Ace Credit Card||S$16,000||N.A.||18 years||No|
|Diners Club/Vicom Cobrand Card||S$30,000||S$80,000||21 years||Yes|
|Diners Club International Credit Card||S$30,000||S$80,000||21 years||No|
|Diners Club International Charge Card||S$30,000||S$80,000||21 years||No|
|Diners Club/Mustafa Cobrand Credit Card||S$30,000||S$80,000||21 years||Yes|
|Diners Club/Secret Recipe Cobrand Credit Card||S$30,000||S$80,000||21 years||Yes|
|Diners Club/Sheng Siong Cobrand Credit Card||S$30,000||S$80,000||21 years||Yes|
|Diners Club/Nature’s Farm CoBrand Credit Card||S$30,000||S$80,000||21 years||No|
|Diners Club/Long Beach Cobrand Credit Card||S$30,000||S$80,000||21 years||No|
|Diners Club/Raffles Marina NautiqueCard||S$30,000||S$80,000||21 years||No|
|Diners Club/HomeTeamNS Affinity Credit Card||S$30,000||N.A.||21 years||Yes|
|Diners Club Affinity Credit Card||S$30,000||S$80,000||21 years||No|
|Diners Club Affinity Charge Card||S$30,000||S$80,000||21 years||No|
|Diners Club/JP Pepperdine Cobrand Credit Card||S$30,000||S$80,000||21 years||Yes|
All the cards that offer the S$500 limit card versions do not have a minimum income requirement since they are meant for students. However, it is also available to working individuals who must fulfill the following conditions to be eligible to apply:
Take a look at the documents that you will have to submit when you apply for these cards:
Commission & variable income earners:</p>
Self employed individuals:
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