The Diners Club Card: Anonymous and Convenient Payments!

Have you ever heard of the Diners Club Card? This is a really versatile financial tool that will work even if other methods fail (such as MasterCard, Visa, or UnionPay). This is an anonymous debit card that makes it possible for travelers and just any people residing in any country to withdraw cash, make purchases in stores, and complete any kind of transaction in over 200 destinations. The card product is serviced by the Diners Club/Discover network, and it also includes the Pulse brand. Though it is not as widely known as Visa, MasterCard, or UnionPay, it is accepted in an enormous number of places internationally. So if you need an anonymous debit card while traveling to serve as a Plan B in case other cards fail, you will hardly find a better solution than the Diners Club Card. Please follow the link for more information!

Can a Card Be Anonymous?

There are two conditions that need to be fulfilled for a card to be considered anonymous:

• The magnetic strip should not contain the owner’s personal data
• The cardholder’s name should not be shown on the plastic

In the case of the Diners Club Card, it works using a six-digit PIN code and a chip. The only place where the cardholder’s personal data is available is the payment system that issued the card, which is mandatory to comply with the requirements of international regulators (in other words, you cannot legally have more anonymity than that). If you get a receipt during your transaction, it will only contain information about the payment system. There will be no details about the cardholder, including the name.

The Diners Club in Brief

You must have heard much more about American Express, UnionPay, Visa, or MasterCard than about the Diners Club International. If it is so, you will probably be surprised to find out that the organization was founded back in 1950 and is the oldest card issuer! Diners Club is actually the company that brought payment cards into existence. It owned a number of famous companies, such as Discover and Citigroup. Nowadays, it works as a franchised network that provides various financial services and it gives its franchisees the right to deal with the issuance of Diners Club cards across the globe. It also has a premium brand known as Carte Blanche. Also, you may have heard of the Diners Club Airport Lounge Program which adds convenience and comfort to travelers. The holders of Diners Club Cards have access to over 1,300 airport lounges around the world if they comply with certain conditions.

Card Characteristics

The only way to replenish the Diners Club anonymous card is a bank transfer. Cardholders can spend money online or use a plastic card. The Diners Club card and the UnionPay card make a perfect match: the second one has a wider acceptance, but there will be places where only the first one will work. If you are going to travel, we recommend taking both cards with you to ensure the broadest possible coverage of ATMs across the globe and seamless daily spending.

Here are the benefits of the Diners Club Card:

• Personal data privacy
• Confidentiality of transactions
• Affordable service fees
• Seamless payments for products/services at points of sale
• Over 1.2 million ATMs and cash advance offices will be available to you
• The card is accepted in over 200 countries and territories
• You will have round-the-clock access to your funds in cash or at merchants
• High daily limits are set

Like any other standard bank card, the Diners Club Card can be used to make different transactions, including online/offline purchases. This is a multicurrency card, which gives you an opportunity to keep your funds in euros or US dollars and spend them without paying foreign transaction fees or conversion rates. You may need to spend or withdraw cash in another currency, though, – and in this case, the conversion fee payable is only 1% over the interbank rate.

The product is serviced on the Diners Club/Discover network from Asia and works in North and South America, Europe, Asia, and the majority of countries and territories across the globe. 

Fees and Limits

There are certain limits set by the cardholder that you need to comply with:

• The maximum card-to-card transaction is USD 2,000 per transfer
• The maximum card balance amount is USD 50,000
• You can replenish the card with a maximum amount of USD 9,000 in one go
• The maximum number of transactions you can make a day is 20
• The maximum number of transactions per hour is 5
• The cost of all transactions made a month cannot exceed USD 20,000
• The maximum transaction size is USD 2,000

If we are talking about the maximum card load amount, you can send a larger sum by bank transfer and then request customer service to split it into smaller amounts.

Let’s look at the fees you will need to pay:

• You can view the card balance at an ATM at USD 2.75 or free of charge if you do so online.
• The card replenishment service comes at USD 4 or 2.5%, whichever is higher.
• You can withdraw cash at an ATM at USD 4.15.
• The transfer from card to card costs USD 7 per transaction.
• There is no service fee.
• If you use the card for payment via POS terminals, you will need to pay USD 1.25.

How to Obtain the Diners Club Card

The card is issued by the company’s authorized representatives only, and you can follow the above link to get in touch with one of them. You will need to provide the information below:

• A copy of your passport or other ID
• Proof of residence address (for example, a utility bill or a bank statement) issued no more than 3 months ago

Here is the procedure to follow:

• Click on the link to contact an expert.
• Provide the necessary documents and pay for the service.
• The card will be delivered to your address by courier free of charge.
• You will have to register with the card issuer using the details sent to you by email and then start using the card. It will be activated as soon as you replenish it.

We wish you seamless payments and great purchases!