Diners Club Gold CardDiners
Shopping
Gold

Diners Club Gold Card

Diners

Valutazione Complessiva

4.1/5

Quota annuale

CHF 200

1° anno: CHF 100

Circuito

Diners Club

Tipo di Premi

cashback

Bonus di benvenuto

11 % cash

Buona anche per

Cashback
Lusso
Premium
Viaggio (miles)

Il Nostro Parere su Diners Club Gold Card

Il tuo compagno finanziario svizzero
Adrien Missioux
Adrien Missioux

Up to 11% cashback at partner retailers plus CHF 1,500,000 medical coverage. That's an unusual combination.

The Diners Club Gold Card combines exceptionally high cashback potential through hellocashback.ch with luxury-level insurance coverage. At CHF 200 annually (first year CHF 100), it's built for strategic shoppers who can work around Diners Club's acceptance limitations. If your spending aligns with the partner network, returns can be dramatic.

Is CHF 200 Worth It?

Here's where it gets interesting. The up to 11% cashback through hellocashback.ch blows away typical credit card rates (0.5-1.5%). If you spend CHF 5,000 annually at partners offering 5-10% cashback, you're earning CHF 250-500 back. That's CHF 50-300 profit after the annual fee.

The CHF 1,500,000 medical coverage abroad would cost CHF 200+ as standalone insurance. Add CHF 40,000 trip cancellation, concierge service by Sincura Group with no booking fees, and 5 free lounge visits annually (with CHF 7,500 spending). The premium benefits rival CHF 500+ platinum cards. Our credit card insurance guide compares coverage across all Swiss cards.

What Actually Stands Out

The hellocashback.ch platform is genuinely unique in Switzerland. Retailers pay to be featured, and those payments fund your cashback. The rates fluctuate, but regulars report averaging 5-7% across their partner spending. Some deals hit 11%. No other Swiss card comes close.

The 1.2% FX fee is among Switzerland's lowest. Combined with the cashback potential, international purchases become attractive. The Sincura concierge handles restaurant reservations, event tickets, and travel planning. I've found it responsive for hard-to-book venues.

What Most Reviews Miss

Diners Club acceptance is genuinely limited. Expect 50-60% coverage in Switzerland, worse at smaller shops and restaurants. You absolutely need a Visa or Mastercard backup. This is not a primary card for everyday use. It's a strategic tool for specific situations.

Also, the hellocashback rates require shopping through their portal or at specific partners. Spontaneous purchases don't qualify. You need to plan your spending, check which retailers participate, and sometimes activate offers. It's optimization work that not everyone wants to do.

The Bottom Line

For strategic shoppers who can work with Diners' limitations, this card offers returns impossible to achieve elsewhere. The insurance alone justifies keeping it for travel. The cashback is a genuine differentiator for those willing to optimize. Compare to other options in our best shopping credit cards in Switzerland guide.

Verdict: A powerful secondary card for optimizer types. Not for everyday use. Worth it if you'll actively use hellocashback partners.

Ideale per: strategic shoppers who'll actively use hellocashback.ch partners (up to 11% returns), travelers wanting luxury-level medical coverage (CHF 1.5M) at gold pricing, those who don't mind carrying a backup card for Diners acceptance gaps
Considera alternative se: you want one card for everything (Diners acceptance is too limited), you won't actively optimize spending through hellocashback partners, the complexity of checking partner rates and activating offers doesn't appeal to you

PRO

  • Low foreign exchange fee of 1.2%
  • 11 welcome bonus points
  • Travel insurance coverage up to CHF 40,000
  • Up to CHF 1,500,000 coverage for medical expenses
  • Airport lounge access
  • Concierge service
  • 11% cashback
  • Access to Diners Club lounges for 30 CHF per visit with 5 complimentary visits after 7500 CHF in purchases annually

CONTRO

  • High annual fee (CHF 200)
  • No Apple Pay support

Dettagli della carta

In sintesi

Quota annuale

CHF 200

1° anno

CHF 100

Tasso premi

1% cashback

Comm. FX

1.2%

Bonus di benvenuto

11 % cash

Copertura assicurativa viaggio

CHF 40,000

Accesso alle lounge aeroportuali
Servizio di concierge
Diners Club

Commissioni e Costi

Quota annuale primo anno

CHF 100

Quota annuale (dopo il primo anno)

CHF 200

Commissione valuta estera

1.2%

Prelievo Contanti (Nazionale)

4% (min CHF 10)

Prelievo Contanti (Internazionale)

5.2% (min CHF 10)

Commissione Ritardo Pagamento

CHF 20

Carte aggiuntive

CHF 100/carta/anno

Programma Premi

Tipo di premi

cashback

Tasso premi base

1 %

Bonus di benvenuto

11 % cash

Earn 11% cashback on all purchases

Assicurazione e Protezione

Copertura assicurativa viaggio

CHF 40,000

Copertura assicurativa medica

CHF 1,500,000

Protezione degli acquisti

CHF 2,000

Caratteristiche della Carta

Circuito della Carta

Diners Club

Tipo di Carta

Gold

Valuta

CHF

Requisito di reddito minimo

Nessun requisito di reddito

Limite di spesa mensile

CHF 90,000

Accesso alle lounge aeroportuali

Accesso alle lounge aeroportuali disponibile

Servizio di concierge

Servizio concierge 24/7 incluso

Caratteristiche Principali

  • 11% cashback
  • Access to Diners Club lounges for 30 CHF per visit with 5 complimentary visits after 7500 CHF in purchases annually
  • Concierge service with no additional booking fees
  • Travel insurance coverage up to CHF 1500000
  • Comprehensive travel insurance covering up to 40000 CHF

Calcola se questa carta ne vale la pena per te

CHF 2’500/mo

= CHF 30’000/year

Paghi

CHF 200

all'anno

Ricevi

CHF 661

valore stimato

In sintesi

+CHF 461

in tasca

Calcolo annuale:

Premi guadagnatiCHF 300

CHF 30’000/yr × 1%

Bonus di benvenuto (1° anno)CHF 11
Assicurazione viaggio e salute≈ CHF 280
Accesso alle lounge≈ CHF 70
Totale beneficiCHF 661
Quota annuale- CHF 200
Valore netto+CHF 461

Sposta il cursore per vedere il valore. Miles: 1,5 ct, punti: 1 ct.

Valutazione per Categoria

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Viaggio (miles)

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Confronta con altre carte

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Bonus

4.1
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Diners Club Gold Card

Diners Club Gold Card

Diners

4.1
Richiedi ora
Quota annualeCHF 48
Quota annualeCHF 200
Tasso premi1 points/CHF
Tasso premi-
Bonus di benvenuto-
Bonus di benvenuto11% cash

Domande frequenti

What is the annual fee for the Diners Club Gold Card?
The Diners Club Gold Card has a promotional first year fee of CHF 100, then CHF 200 per year afterwards.
What are the foreign transaction fees for the Diners Club Gold Card?
The Diners Club Gold Card charges a 1.2% foreign exchange fee on international transactions.
What rewards does the Diners Club Gold Card offer?
The Diners Club Gold Card offers cashback rewards at a base rate of 0 per CHF spent.
What insurance coverage does the Diners Club Gold Card include?
The Diners Club Gold Card includes travel insurance up to CHF 40,000 and medical coverage up to CHF 1,500,000 abroad.
Does the Diners Club Gold Card include airport lounge access?
Yes, the Diners Club Gold Card includes airport lounge access through Priority Pass or partner programs.
Is the Diners Club Gold Card compatible with Apple Pay?
No, the Diners Club Gold Card does not currently support Apple Pay.

Come abbiamo valutato questa carta

Ti chiedi perché Diners Club Gold Card ha questo punteggio? Valutiamo le carte Shopping con una formula ponderata. Ecco cosa conta:

Voucher & Sconti (60%)
Tasso di cashback (20%)
Soddisfazione cliente (10%)
Rapporto qualità-prezzo (10%)

Stessa formula per ogni carta in questa categoria. Senza eccezioni.

Vedi la nostra metodologia completa

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