1. What is a Credit Card?
A Credit Card is a convenient payment instrument which allows you to
buy goods and services without using cash, that is, on credit. A Credit
Limit will be allocated to your Card.
2. What is a Credit Limit?
A Credit Limit is the maximum amount of spending money allocated to
your Card account in which you can use to make purchases with your Card.
3. Where can I use the Card?
You can use your Card locally and overseas in establishments that display
the Diners Club split circle Welcome Sign.
4. What do I do when I received the
Card?
When you received your Card, please sign on the signature panel on the
reverse side of the Card. If you had applied for the Card at an AXS
Station, you need to Activate your Card at any AXS Station within the
next 7 days (please bring along your I/C for activation).
5. How do I use the Card?
When you make a purchase with the Card, you have to sign on the Sales
Slip. The merchant keeps a copy and gives you a copy for your record.
All your purchases with the Card will be reflected on your monthly Statement
of Account.
6. How much can I use on the Card?
You can use up to S$500, which is the Credit Limit allocated to your
Diners Club International Ace Credit Card account.
7. Is there any Over Limit Fee?
An Over Limit Fee of S$30 shall be charged to your Card account if the
current balance exceeds your Credit Limit of S$500.
8. Will I be issued a PIN for my Card?
Yes, you should receive your PIN within 5 working days after you received
your Card. Please memorise your PIN and then destroy the PIN slip. Do
not write your PIN on your Card, and do not disclose your PIN to any
person - not even a Diners Club staff is entitled to know your PIN.
9. Can I draw cash with the Card?
Yes, you can draw cash using your Card at over 1 million ATMs bearing
the Cirrus and/or Diners Club logos locally (except UOB & OCBC)
and abroad, selected money changers, Diners Club offices etc. Cash advance
charges are applicable.
10. What are the Cash Advance charges?
The charges are 5% of the amount drawn or S$15, whichever is greater,
plus Finance Charges on each amount drawn from the date of such Cash
Advance until the date of full payment.
11. When should I make payment for
my purchases?
Your purchases are reflected in your monthly Statement of Account. Please
log on to: www.diners.com.sg/en/statement/ to view your Statement online
(Online Registration is required for first-time users). There will be
a Payment Due Date and you should pay your Card bill before this date
to avoid incurring Late Payment Fees and/or Finance Charges.
12. Can I choose not to have an Online
Statement?
The Online Statement is a Free service that comes with your Card. However,
you can choose to have Paper Statements mailed to you instead. This
fee will be S$1 per statement per month. A fee of S$2 per Paper Statement
will be charged for ad hoc request.
13. Do I have to make payment in
full?
You have the option of making full or partial payment for your Card
bill, but the minimum amount you have to pay is S$50 or your total outstanding
bill, whichever is lower. If payment is not made in full, a Finance
Charge of 27.6% p.a., with a minimum amount of S$2.50 per month, will
be levied.
14. What happens when I do not make
any payment or do not fulfill the Minimum Payment before the Payment
Due Date?
There will be a Late Payment Fee of an amount equivalent to 5% per month
of the Minimum Payment specified in the statement or S$40 (whichever
is higher).
15. Where can I make payment for
my Card bills?
You can make payment for your Diners Club Card bills at our Diners Club
office by cash or cheque, at AXS stations, by internet banking (selected
banks) or by interbank GIRO.
16. What if I lose my Credit Card?
You should report the loss of your Card immediately to Diners Club at
Tel: 6416 0905 so that we can stop the card usage. You will then not
be liable for any unauthorised charges made after your report. You should
also make a police report if your Card is stolen. Diners Club will soon
issue you with a replacement Card.
17. How much is the Membership or
Annual Fee for this Card?
It is absolutely Free for the first year. Just use your Card at least
12 times in the first year to get a waiver for the second year. Subsequent
Membership or Annual Fee is S$28 per year.
18. Can I autobill my Starhub Mobile
bills to this Card?
Yes, simply fill-in your Starhub Mobile Payment Code on the application
form, sign on the designated space to authorise Starhub to charge your
monthly Starhub Mobile bills to your Diners Club International Ace Credit
Card.
19. What if I do not remember my
Starhub Mobile Payment Code when I am applying for this Card?
Do not worry, our friendly customer service officers will contact you
for the necessary information upon your request.
20. Can I apply for other Diners
Club Credit Cards if I already have a Diners Club International Ace
Credit Card?
Yes, you may apply for other Diners Club Credit Cards with up to 2 months
Credit Limit if your annual income exceeds S$30,000. Upon approval,
your new Credit Card will replace your existing Diners Club International
Ace Credit Card.
21. Can I apply for the Diners Club
International Ace Credit Card if I already have another Diners Club
Card?
The Diners Club International Ace Credit Card is not applicable for
existing Diners Club Main cardholders; however, Diners Club Supplementary
cardholders are eligible to apply.
22. What is the processing time to
approve my Card application?
The average processing time is between 4 to 6 weeks upon receiving your
completed application form, photocopy of your I.C. (front & back)
and the necessary documents.
23. What is Diners Club Rewards Programme?
Every dollar charged to your Card earns you 1 Rewards point. Accumulate
these points to redeem for free gifts, shopping and dining vouchers,
etc. There is no expiry to your points. You may even earn up to 3 times
Rewards points when you shop and dine at participating outlets.
