Diners Club Shari'ah Charge Card

What makes this card Islamic

Standard Bank builds this card on a Qard Hasan + Ujrah contract. The bank lends you the money and you pay back exactly what you borrowed, not a penny more.

The Shari'ah Advisory Committee certificate states the product is 'structured on the principle of Qardh' — an interest-free loan. The bank's income is the flat card fee (an ujrah-style service fee), not a financing charge. The published fee schedule confirms this: the line 'Islamic Financing Rate' carries the value '-' (nil) in both the 2025 and 2026 guides, i.e. there is no profit rate at all. The schema enum 'Qard Hasan + Ujrah' is used as the closest fit; the certificate itself names only Qardh.

What it costs

Every figure below comes from Standard Bank’s own published documents. Where the bank does not publish a number we say so rather than estimate it.

Annual fee

R 142FREE for Standard Bank Prestige Plus, Private Banking Bundled, and Wealth and Investment clients.source

Supplementary card

R 39'Add on Cards' — R39.00 (2026). Footnoted '*only applicable to new cards issued as of 1 January 2022'.source

Profit rate

Not publishedThere is no profit rate. The published fee schedule line 'Islamic Financing Rate' shows '-' (nil) for both 2025 and 2026. This is structurally consistent with a Qardh-based charge card settled in full each cycle.source

Cash withdrawal

Charged per R100 rather than as a flat amount or simple percentage. 2026: ATM Local Standard Bank R2.84 per R100.00; ATM Local non-Standard Bank R2.84 per R100.00; Branch Local Standard Bank R88.60 + R3.33 per R100.00; International 2% of value + R3.00 per R100.00; International over the counter 2% of value + R3.20 per R100.00.

Late payment

R 180Listed under 'OTHER FEES' as 'Late payment fee'. Unchanged between the 2025 and 2026 schedules.

Foreign currency spend

2% on top of the exchange rate

What you get back

• ClubMiles earning rate: R8.00 of spend to obtain 1 mile (2026 schedule)
• ClubMiles carries an optional monthly programme fee of R45.00 (2026)
• Airport lounge access: one lounge visit earned for every R8 800 spent in a calendar quarter; unused visits carry to the next quarter but expire at year end

Other benefits

• Certified Shari'ah compliant by Standard Bank's independent Shari'ah Advisory Committee on the principle of Qardh
• No financing/profit rate at all — the 'Islamic Financing Rate' line is nil
• Diners Club airport lounge access earned on quarterly spend; up to three children under 16 admitted to domestic lounges
• Free concierge service
• Travel services from premium partners, including bespoke Umrah packages
• Accepted at Diners Club's international merchant network

Before you apply

• It is a charge card. There is no revolving credit — you cannot carry a balance, so it does not substitute for a conventional credit card if you need to spread a cost.
• A prior version of this card page cited a certificate dated 01/01/2024 that had lapsed on its own terms. Re-checked 2026-09-19: a current certificate exists, dated 01/01/2026, valid one year. It no longer names the contract in words, unlike the 2024 version.
• Diners Club acceptance in South Africa and abroad is materially narrower than Visa or Mastercard.
• The R142.00 'Primary Card' fee has no stated period on the source document — do not assume it is annual.
• The Shari'ah committee endorses the card, but explicitly places responsibility on the client: benefits must be used within the constraints of Shari'ah.
• A late payment fee of R180.00 still applies. Under a strict reading, a penalty on a Qardh is contentious; the pricing guide's separate 'CHARITABLE DONATION RATE' heading suggests a charity-routing mechanism but the primary source does not explain it.

Can you get it?

Other conditions

Not published on the pages read. The product page directs applicants to dinersclub.co.za for terms and conditions. Standard Bank is a registered credit provider (NCRCP15), so National Credit Act affordability assessment applies.

Where these figures come from

Last checked against Standard Bank’s published documents on 2026-09-19. Banks change fees without notice, so treat the bank’s own document as the final word, not this page.

• “We, the members of the Shari'ah Advisory Committee, hereby approve the Diners Club Shari'ah Charge Card product, structured on the principle of Qardh. We have reviewed the required documents, policies and processes and are comfortable that the product is in accordance with the principles of Shari'ah. — Shari'ah Certificate, Diners Club Shari'ah Charge Card”
• “Please note that although the benefits embedded within the Card have been endorsed as Shari'ah compliant by the SAC, the client is responsible for ensuring that the benefits are utilized within the constraints of Shari'ah. — Shari'ah Certificate, Diners Club Shari'ah Charge Card”
• “Mufti Zaid Haspatel, Chairman: Shari'ah Advisory Committee ... Qari Mohamad Sauleh Peck, Member ... Mufti Yusuf Suliman, Member ... 01/01/2024 (Valid for one year from issue) — Shari'ah Certificate, Diners Club Shari'ah Charge Card”
• “CARD FEES / Primary Card R142.00 — SHARI'AH CARD FEES 2026 pricing guide”
• “Standard Bank Prestige Plus, Private Banking Bundled and Wealth and Investment FREE — SHARI'AH CARD FEES 2026 pricing guide”
• “Add on Cards *only applicable to new cards issued as of 1 January 2022 R39.00 — SHARI'AH CARD FEES 2026 pricing guide”
• “CHARITABLE DONATION RATE / Islamic Financing Rate - — SHARI'AH CARD FEES 2026 pricing guide (the financing rate line carries a dash, i.e. nil)”
• “Foreign charges handling fee 2% — SHARI'AH CARD FEES 2026 pricing guide”
• “OTHER FEES / Manual funds transfer R50.00 / Late payment fee R180.00 / Concierge service FREE — SHARI'AH CARD FEES 2026 pricing guide”
• “For every R8 800 you spend in a quarter, you will qualify for one lounge visit. — SHARI'AH CARD FEES 2026 pricing guide, Airport Lounge section”
• “All fees include VAT of 15%. — SHARI'AH CARD FEES 2025 pricing guide, disclaimer”
• “Standard Bank is an authorised financial services and registered credit provider (NCRCP15). The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06). — Shari'ah Certificate footer”

• Product page
• Schedule of charges