Diners Club Personal Card Terms And Conditions

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Diners ClubPersonal CardTerms and ConditionsEffective 1 June 2020

ImportantImportantPlease read these terms and conditions carefullybefore using your Diners Club Personal Card.We recommend that you keep this booklet forfuture reference. If you misplace this booklet ordo not understand any part of it, please contactDiners Club Customer Service on 1300 360 060.Acceptance of these terms and conditionsUnless you have previously agreed to theseterms and conditions, the first time you use yourDiners Club Personal Card or the Account, youaccept and agree to comply with these termsand conditions.2

ContentsDiners Club Personal CardTerms and Conditions1Definitions62Using your Diners Club Personal Card82.18Signing your Diners Club Personal Card2.2 Where you can use your Diners ClubPersonal Card82.3 Restrictions on the use of yourDiners Club Personal Card82.4Making payments to the Account92.5Initiating charges to the Account92.6 Using your Diners Club Personal Cardoverseas103Liability for amounts charged104Statements115Payment for charges incurred126Liquidated Damages127Lost, stolen or fraudulently misused138Enforcement expense149Payments149.1Allocation of payments149.2Payment currency1410Dispute resolution1411Fees and taxes1712Cash Advances1713Cancellation1713.117Cancellation by Diners Club13.2 Cancellation by you1813.3 Cancelling recurring instructions1814Suspension1915Our liability1916Privacy2017Inconsistency243

18Changes to these Terms and Conditions2419Notice2520 Waiver252125Assignment22 Diners Club Rewards2523 General2624 Changing your details26Diners Club Personal CardFee Schedule27Diners Club Rewards ProgramTerms and ation of Reward Points344Duration and Loss of Reward Points355Reward Redemption376Reward Certificates397Delivery of Rewards andReward Certificates40Redeeming Reward Points forRewards provided under otherFrequent Customer Programs 409Limitations of Liability 4210Warranties 4211Taxation 4212General 4384

Diners Club Electronic AccessConditions of Use45145Definitions2 Using your Diners Club Personal Cardor Account electronically463Transaction Limits474Cash Advance474.1Access474.2Transaction limits484.3Fees and Charges485Changes to these Conditions of Use486Records of EFT transactions497 Diners Club Personal Cardand Code Security Guidelines498Things you must tell Diners Club519Liability for unauthorised transactions529.1Application of this clause529.2Where you are not liable529.3When you will be liable539.4 When you may be liable549.554Additional holders10We are not liable5511Failure of Diners Club’ssystem or equipment55Complaint investigationand resolution procedures55125

Diners Club Personal CardTerms and Conditions1DefinitionsIn these Diners Club Personal Card Terms andConditions, unless the context otherwise requires:Account means the Diners Club Personal CardAccount, being a charge card Account, that is linkedto the Main Cardholder’s Diners Club Personal Card.Additional Card means an additional or add-onDiners Club Personal Card issued at the request ofthe Main Cardholder to a third party which is linkedto the Account, and includes any replacementor reissued cards provided to the AdditionalCardholder.Additional Cardholder means the person to whoman Additional Card is issued.Applicable Laws means the laws of Australia andany other jurisdiction to which Diners Club or arelated entity of Diners Club is subject.Australian Dollars means the lawful currency of theCommonwealth of Australia.Business Day means a weekday that is not a publicholiday or bank holiday in Sydney.Card means a valid Diners Club Branded or a WorldMastercard CardCash Advance means any debit to the Accountwhich results in, or relates to:(a) you obtaining actual cash (whether at anelectronic terminal or by other means);(b) you obtaining quasi-cash items such astraveller’s cheques;(c) payment by you of a bill where that billercharges the amount as a cash advance;(d) the transfer of funds to another account heldby you or another person with a financialinstitution.Contactless Transaction means a transaction madeby holding a Card (which is capable of making suchtransactions) against a contactless enabled terminalwithout inserting or swiping the Card.Diners Club means Diners Club Pty LimitedABN 35 004 343 051.6

Diners Club Branded Card means a charge cardissued to the Account and branded on the front withthe Diners Club logo.Diners Club Personal Card means a charge cardissued to the Main Cardholder and includes anyDiners Club Branded Card, World Mastercard Cardor Additional Card and includes any replacementor reissued cards. May also be referred to asDiners Club Card and/or your Card.Diners Club Electronic Access Conditions ofUse means the terms and conditions relating toelectronic transactions attached to this documentas amended or replaced from time to time.Diners Club Rewards Terms and Conditions meansthe terms and conditions which set out your andour rights and obligations if you are enrolled as amember of the Diners Club Rewards program. TheDiners Club Rewards Terms and Conditions are inthese terms and conditions.Fees means the fees and charges detailed in the FeeSchedule set out at the end of this booklet (unlessotherwise agreed) as amended from time to time.Fee Schedule means the fee schedule set outin these terms and conditions (unless otherwiseagreed) as amended from time to time.Liquidated Damages means amounts by way ofliquidated damages which Diners Club is entitled torecover under clause 6 in respect of your paymentdefault.Main Cardholder means the person in whose namean Account is opened.Member Establishment means(a) a person who has agreed with Diners Club toaccept a Diners Club Branded Card or the useof an Account for the purchase of goods orservices; or(b) in the case of transactions made using aWorld Mastercard Card, a person that acceptsMastercard branded cards for the purchase ofgoods and services.These terms and conditions include:(a) these Diners Club Personal Card Terms andConditions;7

(b) the application form submitted by the MainCardholder, or any Additional Cardholder andthe Main Cardholder, to become a Diners ClubPersonal Cardholder;(c) the Diners Club Electronic Access Conditions ofUse; and(d) if the Main Cardholder is enrolled as a memberin the Diners Club Rewards program, theDiners Club Rewards Terms and Conditions.World Mastercard Card means a Mastercardbranded charge card issued issued to an Account.You means any or all of the Main Cardholderand any Additional Cardholder (and your has acorresponding meaning), unless the context requiresotherwise.2 sing your Diners ClubUPersonal Card2.1 Signing your Diners Club Personal CardFor security reasons, you must sign your Diners ClubPersonal Card as soon as you receive it.2.2 W here you can use your Diners ClubPersonal Card(a) You can only use your Diners Club Personal Cardor the Account in accordance with these termsand conditions.(b) Diners Club is not responsible for, or liablefor, any failure by any person to accept yourDiners Club Personal Card or the Account.(c) Diners Club does not make any warranty orrepresentation regarding any goods or servicespurchased by you using your Diners ClubPersonal Card or the Account.2.3 Restrictions on the use of yourDiners Club Personal Card(a) You must not use your Diners Club PersonalCard or the Account, or allow either to be used,for gambling or any unlawful purpose or illegalactivity.(b) You must not allow any other person to useyour Diners Club Personal Card or your Account,unless that person is an Additional Cardholder8

and that use is in accordance with these termsand conditions.(c) You must not use your Diners Club PersonalCard or the Account for the purpose ofpurchasing goods or services for resale orresupply or to provide working capital for yourbusiness.(d) Please be aware that Diners Club may refuseauthorisation for a charge at any time whenit has reasonable cause to do so and withoutgiving you prior notice.(e) If you return any goods or are otherwise entitledto a refund in relation to any goods or servicespurchased with your Diners Club Personal Card,you agree that the refund is to be provided toyou by way of a credit to the Account and thatyou will not seek or accept the refund in cash.2.4 Making payments to the Account(a) You can make payments to the Account:(1) using any payment option detailed on yourstatement of account; or(2) using any other method authorised byDiners Club from time to time.(b) Payments made after 4pm (AEST) on aBusiness Day or at any time on a day that isnot a Business Day will, unless another timeis specified at the point of the transaction, betreated as if made on the following BusinessDay.2.5 Initiating charges to the AccountYou can only make a charge to the Account by:(a) presenting your Diners Club Card to purchasegoods or services from a Member Establishmentand authorising the transaction by:(1) signing an approved charge form; or(2) in accordance with the Diners ClubElectronic Access Conditions of Use.(b) providing details of your Diners Club PersonalCard or the Account to a Member Establishmentor any other person to make payment forgoods or services in any manner acceptable toDiners Club (for example, by telephone, over the9

internet or by authorising a third person to debitthe Account by way of direct debit);(c) obtaining a Cash Advance in accordance withthe Diners Club Electronic Access Conditions ofUse; or(d) using any other method authorised byDiners Club from time to time, for example bymaking Contactless Transactions.2.6 Using your Diners Club Personal CardoverseasIf you incur charges using your Diners Club PersonalCard or the Account in a currency other thanAustralian Dollars, the amount of the charge willbe converted to Australian Dollars at the rate ofexchange determined by:(1) Diners Club or Diners Club International or itssettlement agency on the date that it receivedthe charge for processing for transactions on aDiners Club Branded Card; or(2) Mastercard or its settlement agency on the datethat it received the charge for processing fortransactions on a World Mastercard Card,and your Account will be charged with a foreigntransaction fee as set out in the Fee Schedule or asnotified to you from time to time.3Liability for amounts charged(a) Subject to clause 3(b), and the application ofclauses 7 and 10, the Main Cardholder is solelyliable for all amounts charged to the Account(including Fees or Liquidated Damages).(b) Where the Main Cardholder has authorised theissue of an Additional Card, the Main Cardholderand the Additional Cardholder in whose namethe Additional Card is issued will be jointly andseverally liable for all charges made using thatAdditional Card or related to that AdditionalCard (including any Fees or LiquidatedDamages).(c) If a charge form is received by Diners Club for apayment, Diners Club may rely on that chargeform to debit the Account on the basis thatthe charge described in the charge form wasproperly incurred at the Member Establishment10

in the amount, by the person and by the useof the Diners Club Personal Card or Accountreferred to in that form. However, where theDiners Club Personal Card has been reportedlost or stolen, or where the Diners ClubPersonal Card or Account has been reportedas fraudulently used in accordance with clause7, or a dispute is raised under Clause 10, wemay reverse the charge as though it had neverapplied to the Account.(d) A dispute between you or Diners Club and aMember Establishment concerning a chargedoes not relieve you of your payment obligationsin respect of that charge, except where a chargeis a result of fraud not involving you.(e) We may continue to debit the Account, and youmust pay us for any charges to the Accountincurred after the Diners Club Personal Cardis cancelled or your right to use the Accountis revoked. However, under the Diners ClubElectronic Access Conditions of Use you will notbe liable for charges in various circumstances,including where a charge is a result of fraud notinvolving you.4 Statements(a) Diners Club will give a statement of account tothe Main Cardholder monthly unless:(i) there have been no transactions duringthe statement period and there is a zerobalance on the Account, in which case nostatement of account will be given; or(ii) where, after three (3) consecutivestatement periods there has been a creditbalance on the Account during which timethere have been no transactions, in whichcase no further statement of account will besent until there is a further transaction. If you require statements more regularly, orif you require a particular statement, youmust call Diners Club on 1300 360 060.(b) You should check all entries on each statementof account and report possible errors orunauthorised transactions to Diners Club assoon as possible.11

(c) Where you need to make a report in relationto an EFT transaction, you should do so inaccordance with clause 12 of the Diners ClubElectronic Access Conditions of Use, attached tothese terms and conditions.(d) Where you need to make a report in relation toany other type of transaction you should do soin accordance with clause 10 of these terms andconditions.5Payment for charges incurred(a) You must pay Diners Club an amount equalto the sum of all charges (including Fees andLiquidated Damages) appearing on eachstatement of account by the due date specifiedon that statement.(b) Notwithstanding anything in clause 5(a), ifDiners Club reasonably believes that you cannotpay a given charge or charges, Diners Club may,at any time, demand immediate payment ofany charge to the Account, by sending writtendemand to you. If Diners Club does this, theamount demanded is immediately due andpayable.6 Liquidated Damages(a) If any amount owing to Diners Club is notreceived by Diners Club by the 14th day(‘Default Date’) after the issue date of thestatement of account setting out that amount,you are in default and Diners Club is entitled tocharge and recover Liquidated Damages on theoverdue amount.(b) Liquidated Damages will be charged:(1)on the Default Date; and(2) on the date that is 14 days after the issuedate of each statement of account which isissued on or after the Default Date, until theearlier of:(3) the date payment of the overdue amount isreceived by Diners Club in full; and(4) the date Diners Club cancels the MainCardholder’s Diners Club Personal Card orrevokes the Main Cardholder’s right to usethe Account.12

(c) The amount of Liquidated Damages that will becharged by Diners Club on each of the datesreferred to in clauses 6(b)(1) and (2) will be thegreater of:(1) 30.00; and(2) 3% of the overdue amount (or any partthereof) that remains unpaid on that date.(d) Any reference in this clause to the overdueamount includes any Liquidated Damages thathave previously accrued, are due and remainunpaid.(e) Diners Club’s right to recover LiquidatedDamages under clause 6(a) is separate fromDiners Club’s right to cancel your Diners ClubPersonal Card and revoke your right to use theAccount.7Lost, stolen or fraudulently misused(a) You must immediately notify Diners Club if yourDiners Club Personal Card is lost or stolen, if areplacement card has not been received by you,or if you suspect that someone has fraudulentlyused your Diners Club Personal Card, anAdditional Card or the Account.(b) For transactions subject to any provisions underthe Diners Club Electronic Access Terms andConditions, please refer to these for any liabilityrelating to these charges.(c) For any transactions NOT subject to provisionsin the Diners Club Electronic Access Terms andConditions, where it is unclear whether or notyou have contributed to losses caused by anunauthorised transaction, the Account holder’sliability for losses arising from the unauthorisedtransaction will be limited to the lesser of:(i) AU 150;(ii) the balance of the Account, including anyprearranged credit; and(iii) the actual loss at the time we are notifiedof the loss, theft or unauthorised use ofyour Diners Club Personal Card or that thesecurity of your PIN has been compromised(but not that portion of the loss incurredon any one day which exceeds the daily orother periodic transaction limit).13

8Enforcement expenseYou agree to pay Diners Club, and authorise DinersClub to charge to the Account, all costs or expensesreasonably incurred by Diners Club or its contractorsor agents (including all legal costs and collectionagency fees) in enforcing or collecting payment ofany amount due under these terms and conditions.9 Payments9.1 Allocation of paymentsA payment made to the Account will be appliedtowards amounts owing by you to Diners Club in thefollowing order:(a) outstanding charges payable by you (inaccordance with clause 5) other than thoseamounts listed in paragraphs (b) to (e) below;(b) amounts payable in respect of LiquidatedDamages (in accordance with clause 6);(c) Fees which have become due and payable;(d) enforcement costs and expenses payable by you(in accordance with clause 8); and(e) charges made to the Account which have notyet appeared on a statement of account.9.2 Payment currencyAll payments required under these terms andconditions must be made in Australian Dollars.If Diners Club allows a payment to be made in acurrency other than Australian Dollars, Diners Clubwill convert that payment into Australian Dollarsusing rates that we determine to be the appropriaterate for foreign exchange transactions for therelevant currencies on the relevant days. Forthe avoidance of doubt, if this involves a foreigntransaction as set out in clause 2.6 of these termsand conditions, then the foreign transaction fee setout in the fee schedule will apply.10 Dispute resolution(a) If you disagree with any amount charged to, orshown as being paid into, the Account, pleasecontact Diners Club as soon as possible on1300 360 060. You may be asked to provideDiners Club with written confirmation of yourclaim and any supporting evidence. Disputes14

will be handled differently depending onwhether the disputed transaction took placeon a Diners Club Branded Card or a WorldMastercard Card.(b) Disputes related to Diners Club Branded Cardtransactions:(1) Where Diners Club determines, onreasonable grounds, that your claim isa legitimate claim against the MemberEstablishment, Diners Club will assist you topursue that claim provided that you notifyDiners Club of your claim within 2 monthsof the date of the statement of Account onwhich the disputed amount appears. Where,in Diners Club’s reasonable opinion, theclaim is against the Member Establishment(for example, a legitimate claim in relationto the supply, use or quality of goods orservices purchased using your Diners ClubPersonal Card), you are not entitled towithhold payment of the disputed amount.You should refer to clause 12 of theDiners Club Electronic Access Conditions ofUse for more information.(2) In the event Diners Club determines thatyour claim is a legitimate claim, Diners Clubmay temporarily credit your Account untilsuch time as the charge back claim againstthe Member Establishment is proven to bevalid. Should the charge back claim proveto be valid then Diners Club will reversethe charge to the Member Establishmentand convert the temporary credit in yourAccount, if provided, to a permanent credit.(3) The ability of Diners Club to temporarilycredit your Account depends on specifictimeframes under the Diners ClubInternational Scheme’s Chargeback Rulesin which it can chargeback a transaction.Outside these times Diners Club’s ability tosuccessfully chargeback a transaction arelimited so Diners Club will not temporarilycredit your Account if you notify Diners Clubof your claim after two months of thedisputed amount appearing on yourstatement of Account.15

(4) Where Diners Club proves, on reasonablegrounds, that the charge back claim is nota valid claim, Diners Club will accordinglycharge the Main Cardholder’s Account andany temporary credit, if provided, will beimmediately cancelled.(c) Disputes related to World Mastercard CardTransactions. Disputed transactions willgenerally be resolved in accordance with theMastercard rules. Diners Club may:(1) resolve a dispute under Mastercard’s rules.If we try to resolve a dispute in this way weand you are bound by the Mastercard rulesand the result will be governed by the limitsimposed by those rules. If you don’t tell usabout your dispute within 60 days from thedate of the Transaction it may affect ourability to resolve your claim;(2) claim a right to return the transaction to aMember Establishment for resolution afterit is disputed (“Chargeback”) where oneexists. If you or an Additional Cardholderuses your Account to make a BPAYpayment, you cannot claim a Chargeback,BPAY only allows refunds of mistaken,unauthorised or fraudulent payments;(3) claim a Chargeback for the mostappropriate reason;(4) reject any refusal of a Chargeback by aMember Establishment’s financial institutionthat is inconsistent with the relevantoperating rules; and(5) at its discretion apply a temporary credit toyour Account for the value of the relevanttransaction pending resolution of thedispute.You must comply with any reasonable requestDiners Club makes for further information in anyform (including a statutory declaration).11 Fees and taxes(a) Diners Club is irrevocably authorised to chargeyour Account for any Fee that is due andpayable. The Fees that may be charged toyour Account by Diners Club are detailed in16

the Fee Schedule attached to these terms andconditions. These Fees may be amended inaccordance with clause 18.(b) The Main Cardholder is liable for any tax, dutyor other charge in Australia reasonably incurred(including stamp duty or goods and servicestax, unless otherwise stated to be includedin the price) incurred by Diners Club, or forwhich Diners Club is liable to reimburse anotherperson, in respect of the supply or use of theMain Cardholder’s Diners Club Personal Card, thesupply to, or use by, the Main Cardholder of theAccount or any other transaction involving theMain Cardholder or a payment to the Account.(c) The Additional Cardholder and the MainCardholder are jointly and severally liable for anytax, duty or other charge in Australia reasonablyincurred (including stamp duty or goods andservices tax, unless otherwise stated to beincluded in the price) incurred by Diners Club,or for which Diners Club is liable to reimburseanother person, in respect of the supply oruse of the Additional Cardholder’s Diners ClubPersonal Card, the use of the Account by theAdditional Cardholder or any other transactioninvolving the Additional Cardholder (other thanpayments to the Account).12 Cash AdvancesYou can obtain Cash Advances in accordance withthe Diners Club Electronic Access Conditions of Useor as otherwise authorised by Diners Club.13 Cancellation13.1 Cancellation by Diners ClubDiners Club may cancel your Diners Club PersonalCard and revoke your right to use the Account withor without notice. We will only do this if we have areasonable basis to do so. Upon becoming aware ofthe cancellation or revocation, you must immediatelystop using your Diners Club Personal Card andthe Account and must destroy your Diners ClubPersonal Card and any Additional Card(s). If wereinstate your Diners Club Personal Card at any timeafter cancellation and you have not destroyed your17

Diners Club Personal Card these terms and conditionswill continue to apply to the use of your Diners ClubPersonal Card or any Additional Card(s), and the useof the Account by you or any Additional Cardholder.13.2 Cancellation by you(a) You may cancel your Diners Club PersonalCard at any time. The Main Cardholdercan also cancel any Additional Card. Anysuch cancellation will not be effective untilDiners Club have received a request askingDiners Club to cancel a Diners Club PersonalCard which you have authority to cancel. Youshould take reasonable steps to destroy theDiners Club Personal Card as you will continueto be liable for transactions on the Account.(b) Where a request is made by the MainCardholder to cancel the Main Cardholder’sDiners Club Personal Card, the Main Cardholderis deemed to request the cancellation of thatcard as well as all Additional Cards.13.3 Cancelling recurring instructions(a) You are encouraged to maintain a record of anyregular payment arrangements (includingdirect debits and periodic payments) that youhave with a Member Establishment or a serviceprovider.(b) To change or cancel any regular paymentarrangements, you should contact the MemberEstablishment or the service provider at least15 days prior to the next scheduled payment.The financial institution must accept theMember Establishment’s transaction untilyou have successfully cancelled your regularpayment arrangement. Please retain a copyof your request to change or cancel anyregular payment arrangements with a MemberEstablishment or a service provider. You havethe right to challenge a transaction if a MemberEstablishment or a service provider has notacted in accordance with your instructions.(c) If your Account is closed or your card numberis changed, for example as a result of yourprevious card being lost or stolen, you mustcontact the Member Establishment or service18

provider to cancel or change the details of yourexisting regular payment arrangements.14 SuspensionDiners Club can suspend your right to use yourDiners Club Personal Card, the Account and/or ATMaccess at any time, when it has reasonable cause todo so, without notice:(a) if you are in default under these terms andconditions;(b) if Diners Club suspects that your Card or theAccount has been used fraudulently by you ora third party;(c) to prevent loss to either you and/or Diners Club;or(d) if by allowing you to continue using yourDiners Club Personal Card or the Account,we believe you or we or our related bodiescorporate may breach any Applicable Laws.If Diners Club does this, you must not use yourDiners Club Personal Card or the Account until suchtime as we advise you that your Diners Club PersonalCard has been reactivated or reinstated. You maynot be charged an Annual Fee during the period thatyour Diners Club Personal Card is suspended. Thesuspension of your Diners Club Personal Card and/orthe Account does not affect your obligations underthese terms and conditions.15 Our liability(a) Subject to paragraph (c), Diners Club is notresponsible or liable for:(1) goods or services purchased using aDiners Club Personal Card or the Account.You may, however, have the right toclaim a chargeback for transactions incertain circumstances. You should contactDiners Club for further details;(2) the failure by a Member Establishment toaccept a Diners Club Personal Card;(3) any dispute between you and a MemberEstablishment in relation to the supply, useor quality of goods or services. You may,however, have rights against that MemberEstablishment under the Trade Practices19

Act or Fair Trading Acts or other consumerprotection laws; or(4) any loss, costs or expenses incurred byyou as a result of the action or inaction ofany third party or as a result of any matterwhere such an action or inaction is outsideof Diners Club’s reasonable control.(b) Subject to paragraph (c) Diners Club will notbe liable for any indirect or consequential loss,costs or expenses that you may suffer or incuras a result of Diners Club failing to carry outits obligations to you under these terms andconditions.(c) Regardless of the above, Diners Club hasminimum requirements imposed including bylaws like the Competition and Consumer Act2010 (Cth) and/or the Australian Securitiesand Investments Commission Act 2001 (Cth).For example, these may imply warranties intoa contract to protect you, such as a promisethat the services are fit for their intendedpurposes. These laws may allow Diners Clubto exclude liability if you acquire services aspart of a business. To the extent permitted bylaw, Diners Club excludes warranties and limitsliability under implied statutory conditionsand warranties, or limit its liability undersuch warranties and conditions to supplyingthe services again or paying the cost of thatresupply.16 PrivacyIn this section “you” includes any AdditionalCardholder.Purposes for which we collect, use anddisclose your personal informationWe collect, use and disclose your personal information: to assess any application for credit, and toprovide and administer your credit facilities andrelated services; to conduct reviews of your facility; to comply with applicable laws both in Australiaand overseas, including:20

(a) the Anti-Money Laundering and CounterTerrorism Financing Act;(b) State and Territory property legislation andother property-related laws (for example, toregister and search for security interests);and for other purposes as listed in our Privacy Policyand our Credit Reporting Policy.If you do not provide us with the information weask for or the information provided is incorrector incomplete, we may not be able to provide oradminister the products or services that you areseeking.We usually collect your personal informationdirectly from you. However, we may need to collectpersonal information about you from third partiesfor example, to assist us to process your application(such as to verify information you have provided), orto assist us to locate or communicate with you.Where you provide information about anotherindividual, you must make them aware of that factand the contents of the Privacy Consents andNotifications, and have obtained their consent tomake this disclosure to us.Your telephone calls and conversations with a DinersClub representative may be recorded and monitoredfor quality, training and verification purposes.Disclosures of your personal informationWe may disc

2.1 Signing your Diners Club Personal Card For security reasons, you must sign your Diners Club Personal Card as soon as you receive it. 2.2 Where you can use your Diners Club Personal Card (a) You can only use your Diner