Diners Club Gold CardDiners
Shopping
Gold

Diners Club Gold Card

Diners

Note Globale

4.1/5

Frais annuels

CHF 200

1ère année: CHF 100

Réseau

Diners Club

Type de Récompenses

cashback

Bonus de bienvenue

11 % cash

Également bon pour

Cashback
Luxe
Premium
Voyage (miles)

Notre Avis sur Diners Club Gold Card

Votre compagnon financier suisse
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.

Idéal pour: 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
Considérez des alternatives si: 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

AVANTAGES

  • 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

INCONVÉNIENTS

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

Détails de la carte

En un coup d'œil

Frais annuels

CHF 200

1ère année

CHF 100

Taux de récompense

1% cashback

Frais FX

1.2%

Bonus de bienvenue

11 % cash

Couverture d'assurance voyage

CHF 40'000

Accès aux salons d'aéroport
Service de conciergerie
Diners Club

Frais & Coûts

Frais annuels la première année

CHF 100

Frais annuels (après la première année)

CHF 200

Frais de change

1.2%

Retrait d'Espèces (National)

4% (min CHF 10)

Retrait d'Espèces (International)

5.2% (min CHF 10)

Frais de Retard

CHF 20

Cartes supplémentaires

CHF 100/carte/an

Programme de Récompenses

Type de récompense

cashback

Taux de récompense de base

1 %

Bonus de bienvenue

11 % cash

Earn 11% cashback on all purchases

Assurance & Protection

Couverture d'assurance voyage

CHF 40'000

Couverture d'assurance médicale

CHF 1'500'000

Protection des achats

CHF 2'000

Caractéristiques de la Carte

Réseau de la Carte

Diners Club

Type de Carte

Gold

Devise

CHF

Revenu minimum requis

Aucune exigence de revenu

Limite de dépenses mensuelles

CHF 90'000

Accès aux salons d'aéroport

Accès aux salons d'aéroport disponible

Service de conciergerie

Service de conciergerie 24h/24 inclus

Caractéristiques Principales

  • 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

Calculez si cette carte en vaut la peine pour vous

CHF 2'500/mo

= CHF 30'000/year

Vous payez

CHF 200

par an

Vous recevez

CHF 661

valeur estimée

Bilan

+CHF 461

dans votre poche

Calcul annuel :

Récompenses gagnéesCHF 300

CHF 30'000/yr × 1%

Bonus de bienvenue (1ère année)CHF 11
Assurance voyage & santé≈ CHF 280
Accès aux salons aéroport≈ CHF 70
Total des avantagesCHF 661
Cotisation annuelle- CHF 200
Valeur nette+CHF 461

Déplacez le curseur pour voir la valeur. Miles: 1,5 ct, points: 1 ct.

Note par Catégorie

Shopping

29 cards

4.1
#6/ 29

Top 21%

#29#1
Voir les meilleures cartes

Cashback

116 cards

3.8
#11/ 116

Top 9%

#116#1
Voir les meilleures cartes

Luxe

11 cards

2.9
#8/ 11

Top 73%

#11#1
Voir les meilleures cartes

Premium

122 cards

4.2
#15/ 122

Top 12%

#122#1
Voir les meilleures cartes

Voyage (miles)

45 cards

2.0
#38/ 45

Top 84%

#45#1
Voir les meilleures cartes

Comparer avec d'autres cartes

Bonus Card Mastercard Classic

Bonus Card Mastercard Classic

Bonus

4.1
Postuler maintenant
Diners Club Gold Card

Diners Club Gold Card

Diners

4.1
Postuler maintenant
Frais annuelsCHF 48
Frais annuelsCHF 200
Taux de récompense1 points/CHF
Taux de récompense-
Bonus de bienvenue-
Bonus de bienvenue11% cash

Questions fréquemment posées

Why does the Diners Gold supplementary card cost CHF 100 when Classic charges CHF 50?
Diners doubles the partner-card fee on Gold. CHF 100 per extra card per year, versus CHF 50 on Classic. If you don't actually need the higher CHF 90,000 spending limit, the Classic gets you the same hellocashback access for half the partner fee.
What rates do I actually get on hellocashback.ch?
The headline is up to 11%, but realistic rates fall between 1% and 5% at common merchants. You must activate each offer in the portal before paying with your Diners card. Skip activation and you earn nothing. The catalog rotates, so it rewards people who plan purchases around live offers.
Is the CHF 90,000 monthly limit useful in practice?
Useful if you put big-ticket items on your card: an annual insurance premium, school fees, a kitchen reno. The Gold's CHF 90,000 monthly cap versus Classic's CHF 10,000 is the main practical difference between the two. If you never spend more than CHF 5,000 a month, the higher limit alone doesn't justify Gold.

Comment nous avons noté cette carte

Vous vous demandez pourquoi Diners Club Gold Card a obtenu ce score ? On note les cartes Shopping avec une formule pondérée. Voici ce qui compte :

Bons & Réductions (60%)
Taux de cashback (20%)
Satisfaction client (10%)
Rapport qualité-prix (10%)

Même formule pour toutes les cartes de cette catégorie. Sans exception.

Voir notre méthodologie complète

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