Diners Club Premiere
Platinum
BDO · Diners Club · Platinum
Diners Club Premiere
Why pick it: 1 mile per ₱30, double on dining, ₱20M insurance
Diners miles card: 1 Travel Mile per ₱30 (double on dining), 1:1 to Asia Miles or Mabuhay Miles; ₱20M travel insurance; limited PH acceptance.
- Score
- 62 /100
- Rank
- #10 of 123
- Annual fee
- ₱4,500
Strong ang miles, pero kakaunti ang tumatanggap ng Diners sa Philippines, base sa data.
Bottom line: Miles ang hanap mo at okay lang magdala ng backup card? Bagay ito. Kung isang card lang ang dadalhin mo, huwag ito.
Read the full take: the math, what's good, what hurts
Nasa ~₱10,500 ang rewards ng typical household (~₱825k a year), at ~₱2,000 ang net travel value. #10 ang puwesto nito sa 123 cards, 62 ang score.
The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.
What's good
- 1 Travel Mile per ₱30, double sa dining. Sabi ng data, pwede mong i-transfer sa Asia Miles o PAL Mabuhay Miles.
- Family travel insurance up to ₱20M.
- 1.85% lang ang foreign fee kapag ginamit abroad.
- Libre ang membership sa first year.
What's bad
- Kaunti ang tumatanggap ng Diners, base sa data. Magdala pa rin ng Visa o Mastercard as backup.
- Minimum gross fixed income na ₱77,000 a month, at mandatory ang ITR.
- Walang miles ang Auto Charge bills, per the Travel Miles T&C.
The catch: Sabi ng page, 'select cardholders' lang ang may 2 free lounge visits hanggang December 31, 2026. Walang lounge sa data namin, kaya mag-check ka kung qualified ka. Wala sa page ang annual fee, kaya galing sa data ang ₱4,500. Para sa miles conversion ang ~₱10,500.
Rechecked on the bank page on 2026-10-24. Not on the page: annual fee; mile value. Our opinion, based on published terms. Not financial advice. The bank decides approval.
The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.
- Yearly value for a typical household:
- about ₱12,500 in rewards (₱10,500) and travel value (₱2,000), before the ₱4,500 annual fee (on request; the bank decides)
- To qualify:
- ₱924,000 a year income; Regular employee, or self-employed with business running 2+ years
- Bank service:
- Worse than typical.
First year
- Welcome offer:
- ₱8,000 welcome cashback on a new Elite card approved Sep 1, 2026 to Jan 31, 2027: activate and spend ₱80,000 within the spend period (offer sent by SMS/email) (ends Jan 31, 2027)
- Annual fee:
- Annual fee free in the first year.
Bank details as of Oct 23, 2026. Offers change; confirm on the bank's page before you apply. None of this changes the card's score.
Who can apply
- Age:
- 21 to 60 for the principal cardholder.
- Employment:
- Regular employee, or self-employed with a business operating for at least 2 years.
Bank details as of Nov 4, 2026. Where a card's own page is silent, the rule is from the bank's general requirements page; confirm on the bank's page before you apply. None of this changes the card's score.
Score breakdown, fees, rewards and perks
Score breakdown
#10 of 123 cards open to new applicants, and #13 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value36 / 63
These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored
- Rewards on the default spend22 / 37
About ₱10,500 a year in rewards on the typical household's spend, after caps and the foreign fee on foreign online spend. How the bars work
- Annual fee after waivers8 / 16
A ₱4,500 fee that the bank may waive on request. How the bars work
- Travel and perks on the default spend4 / 10
About ₱2,000 of travel value on one trip abroad a year, after the 1.85% foreign fee. It includes travel insurance, though insurance counts only a little toward this figure and the score. How the bars work
- Promos and 0% installments12 / 15
0% installment network: strong. Promos: strong, judged by what a typical household would likely save from the promos this card gets, past and current, with 24 live promos tracked. How it is scored
- Points flexibility7 / 10
2 airline partners, and points that expire. How it is scored
- Credit limit and upgrade path3 / 5
Platinum card level, plus how BDO handles credit limit increases and card upgrades. How it is scored
- App and service3 / 5
Banking app: strong. Service: worse than typical. How it is scored
- Late fee1 / 2
A late fee of ₱850 for one missed payment. How it is scored
On the default spend: about ₱10,500 a year in rewards and ₱2,000 in travel value.
Score over time
Total score and tier on each data date, on the default spend.
- Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
- Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
- Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
- Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
- Method changes
Fees and who can apply
- Annual fee
- ₱4,500
- Supplementary fee
- ₱2,500
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 1.85%
- Minimum income
- ₱924,000 a year
- Also needs
- Regular employee, or self-employed with business running 2+ years
Rewards
1 Travel Mile per ₱30, double on dining, moved 1:1 to Asia Miles or PAL Mabuhay Miles in 500-mile blocks. Cash credit option: 500 miles = ₱250. Diners is accepted at fewer merchants in the Philippines. Bills paid by Auto Charge or Charge on Demand earn no points.
- Type
- Miles
- Points expiry
- unknown
- Airline partners
- Cathay Asia Miles, PAL Mabuhay Miles
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- Up to ₱20,000,000, covers family
Strengths
- Low FX fee (1.85%)
- Travel insurance up to ₱20M covering family
Watch out for
- Diners Club is accepted at fewer merchants
Live and upcoming promos (24)
As of Nov 11, 2026. Check each promo's source before you rely on it.
- BDOEnds Nov 12, 2026All BDO credit cards
- BDOEnds Nov 20, 2026Mon to FriAll BDO credit cards
- BDOEnds Nov 20, 2026Mon to FriAll BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Jun 30, 2027All BDO credit cards
Show 19 more
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- P500 cashback per P5,000 Buy Now Pay Later receipt at SM Store, up to P3,000, with BDO credit cardsScore 74BDOEnds Nov 14, 2026All BDO credit cards
- BDOEnds Feb 28, 2027All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Nov 12, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Nov 15, 2026All BDO credit cards
- BDOEnds Jan 31, 2027All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Jan 31, 2027All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
What cardholders say (0)
Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.
No cardholder posts yet.