The Diners Club Card cash advance service is a convenient feature that allows you to withdraw cash from convenience store ATMs nationwide when you suddenly need it. However, unlike many other credit cards, it does not support early repayment at convenience store ATMs; repayment is only possible via direct debit or bank transfer. This article provides a detailed explanation of how to use the cash advance feature with your Diners Club Card, including fees, operating hours, and procedures for major convenience store ATMs (7-Eleven, Lawson, Family Mart, and Ministop). It also comprehensively covers correct repayment methods, interest rates, and what to do if you are unable to use the service.
- A Comprehensive Guide to Convenience Store ATMs for Diners Club Card Cash Advance
- [By Convenience Store] Diners Club Card Cash Advance Details: Fees, Hours, and Operating Procedures
- Diners Club Card Cash Advance Repayment Guide: Convenience Store ATM Compatibility
- Important Information and Cautions for Using Diners Club Card at Convenience Store ATMs
- Q&A on Diners Club Card Use at Convenience Store ATMs
- Q1. If I use a cash advance at a convenience store ATM, how will it appear on Club Online and my statement?
- Q2. When and how will I be charged the ATM fee?
- Q3. What are the closing date and payment date (debit date) for cash advances?
- Q4. Why can’t I make an early repayment at a convenience store ATM?
- Q5. Can I use a co-branded card like an ANA Diners Card in the same way?
- Q6. Is cash advance available during the New Year holidays or long weekends?
- Q7. Is the cash advance amount eligible for Rewards Points?
- Q8. How can I apply for the cash advance service?
A Comprehensive Guide to Convenience Store ATMs for Diners Club Card Cash Advance
If you have a cash advance credit limit set on your Diners Club Card in advance, you can use the cash advance service at a nearby convenience store ATM. First, let’s review which ATMs at which convenience stores are compatible.
Overview of Partner ATMs at Major Convenience Store Chains (7-Eleven, Lawson, Family Mart, Ministop)
Diners Club Card can be used for cash advance services (borrowing) at the following major convenience store ATMs across Japan.
- 7-Eleven: Seven Bank ATM
- Lawson: Lawson Bank ATM
- Family Mart: E-net ATM
- Ministop: AEON Bank ATM
Diners Club Card Compatibility at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs
All of the convenience store ATMs listed above support Diners Club Card cash advance (borrowing). However, cash advance repayment (deposit) is not available at any convenience store ATM. You will need your physical Diners Club Card and the 4-digit card PIN you have set.
Using Cash Advance at Overseas Convenience Store ATMs
Diners Club Card can also be used for cash advances abroad. If your card has the “Discover” logo on the back, you can use it at ATMs that are part of the Discover network. It can also be used at ATMs with the Cirrus logo. You will need your card PIN when using it overseas, so be sure to confirm it before your trip.
[By Convenience Store] Diners Club Card Cash Advance Details: Fees, Hours, and Operating Procedures
From here, we will detail the fees, available hours, and basic operating procedures for using Diners Club Card cash advance at each convenience store ATM.
*All fees include tax. Information is current as of June 2025. Please check the official websites of Diners Club or each ATM operator for the latest information.
Using Diners Club at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Diners Club (Sumitomo Mitsui Trust Club) ATM Service | Seven Bank
ATM Availability and Maintenance Information
Seven Bank ATMs are generally available 24/7, 365 days a year. However, system maintenance may occur during certain times, such as late at night.
Cash Advance Operating Procedures at the ATM
- Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
- Insert your Diners Club Card into the ATM.
- Select the “Withdrawal (Borrowing)” button.
- Enter your 4-digit PIN.
- Enter the desired withdrawal amount.
- Confirm the details and receive your cash, card, and transaction receipt.
Using Diners Club at Lawson (Lawson Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Diners Club (Sumitomo Mitsui Trust Card) | Lawson Bank
ATM Availability and Maintenance Information
Lawson Bank ATMs are also generally operational 24 hours a day but have regular maintenance times. The service is unavailable during these times.
Cash Advance Operating Procedures at the ATM
The basic operating procedure is the same as for Seven Bank ATMs. Follow the on-screen instructions to insert your card, enter your PIN, and specify the amount.
Using Diners Club at Family Mart (E-net ATM)
Main Available Transactions
- Cash Advance (Borrowing)
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Diners Club Card | E-net ATM Fees & Service Hours | E-net, Inc.
ATM Availability and Maintenance Information
E-net ATMs are also available almost 24 hours a day, but may be temporarily unavailable for maintenance late at night or in the early morning.
Cash Advance Operating Procedures at the ATM
The operating procedure is largely the same as for other convenience store ATMs. Follow the on-screen instructions to complete the transaction.
Using Diners Club at Ministop (AEON Bank ATM)
Main Available Transactions
- Cash Advance (Borrowing)
ATM Fees for Cash Advance (Borrowing)
| Transaction Amount | Fee |
|---|---|
| ¥10,000 or less | ¥110 |
| Over ¥10,000 | ¥220 |
Source: Partner CDs/ATMs | Financing | Diners Club Credit Card
ATM Availability and Maintenance Information
AEON Bank ATMs operate for long hours, but there may be times when they are unavailable due to the store’s business hours or system maintenance.
Cash Advance Operating Procedures at the ATM
The procedure is the same as for other ATMs. Follow the on-screen prompts to insert your card, enter your PIN, and enter the amount.
Diners Club Card Cash Advance Repayment Guide: Convenience Store ATM Compatibility
Important: Cash Advance Repayment Not Supported at Convenience Store ATMs
The most important point regarding Diners Club Card cash advance repayment is that repayment (deposit) transactions cannot be made at any convenience store ATM, including Seven Bank, Lawson Bank, E-net, or AEON Bank. Repayment of cash advances must be done using the methods described below.
Basic Repayment Method: Automatic Debit from a Registered Account
Your cash advance balance will be automatically debited from your pre-registered bank account on the monthly payment date, along with your shopping charges. No special procedure is required.
Early Repayment Method: Bank Transfer Procedure
If you wish to repay your cash advance before the scheduled payment date (early repayment), you must do so via bank transfer. This can reduce the amount of interest you pay.
How to Apply for Early Repayment and Confirm Transfer Details
To make an early repayment, you must first contact the Diners Club call center by phone. When you call, state your desired repayment date. You will then be informed of the exact repayment amount, including interest up to that date, and the designated bank account for the transfer. Transfer the specified amount to the designated account. You will be responsible for any bank transfer fees.
Timing for Credit Line Restoration After Repayment
When you make an early repayment via bank transfer, your available credit line will be restored after Diners Club has confirmed receipt of the payment. This typically takes several business days, so your limit will not be restored immediately after the transfer.
Source: Cash Advance Service | Financing | Diners Club Credit Card
Important Information and Cautions for Using Diners Club Card at Convenience Store ATMs
Checking and Setting Your Cash Advance Limit
To use the cash advance service, a “Cash Advance/Loan Credit Limit” must be set in advance. You can check your current limit on the members-only online service “Club Online.” If a limit is not set or if you wish to increase it, a separate application and screening are required.
Per-Transaction and Daily ATM Withdrawal Limits
In addition to your own cash advance limit, each ATM you use has its own per-transaction limit. For example, there may be a restriction, such as being able to withdraw only up to ¥200,000 at a time. If you wish to make a larger transaction, you will need to do so in multiple steps.
Cash Advance Interest Rate (Lending Rate) and How to Calculate Interest
The Diners Club Card cash advance interest rate (lending rate) varies depending on the card type and screening, and is set within a range of 15.0% to 20.0% APR. Interest is calculated on a daily basis using the following formula:
Interest = Amount Borrowed × Lending Rate (APR) ÷ 365 days × Number of Days Used
The number of days used is the period from the day after the borrowing date to the payment date (or early repayment date).
How to Inquire About Your PIN (Card PIN) If You Forget It
A 4-digit card PIN is required to use the cash advance service. If you forget it, you can request an inquiry through “Club Online” or by phone. After the procedure, a document containing your PIN will be mailed to your registered address. For security reasons, it cannot be given to you directly on the spot.
Possible Reasons and Solutions If You Cannot Use Cash Advance
If you are unable to use cash advance at an ATM, the following reasons are possible:
・The cash advance limit has not been set or has been exceeded.
・Your card is locked due to entering the wrong PIN multiple times.
・The card’s magnetic stripe is faulty or the IC chip is damaged.
・It is during system maintenance hours for the ATM or card company.
・Your card payments are overdue.
First, check your usage status on Club Online. If the issue is not resolved, please contact the call center listed on the back of your card.
Source: Contact Us | Diners Club Credit Card
Q&A on Diners Club Card Use at Convenience Store ATMs
Q1. If I use a cash advance at a convenience store ATM, how will it appear on Club Online and my statement?
A1. On Club Online and your statement, it will be listed under usage details like “Cash Advance Service” or “CD・ATM,” and will show the date of use, amount, and the name of the financial institution (e.g., SEVEN GINKO).
Q2. When and how will I be charged the ATM fee?
A2. The ATM fee will be debited from your account along with the cash advance principal on the monthly payment date.
Q3. What are the closing date and payment date (debit date) for cash advances?
A3. The closing date is the 15th of each month, and the payment date (debit date) is the 10th of the following month (or the next business day if it’s a bank holiday). For example, amounts used by June 15th will be debited on July 10th.
Q4. Why can’t I make an early repayment at a convenience store ATM?
A4. This is due to the system specifications of Diners Club Card. The card’s repayment channels are limited to direct debit and bank transfer, and the repayment function at partner ATMs is not offered.
Q5. Can I use a co-branded card like an ANA Diners Card in the same way?
A5. Yes, co-branded cards such as the ANA Diners Card and JAL Diners Card can be used in the same way. The cash advance procedures, fees, and repayment rules explained in this article are basically the same.
Q6. Is cash advance available during the New Year holidays or long weekends?
A6. Yes, cash advance is available as long as the ATM is operational. However, it is recommended to check in advance as ATM operating hours may be altered due to special system maintenance during periods like the New Year’s or Golden Week holidays.
Q7. Is the cash advance amount eligible for Rewards Points?
A7. No, the cash advance amount, ATM fees, and interest are not eligible for earning Diners Club Rewards Points.
Q8. How can I apply for the cash advance service?
A8. You can apply through the members-only online service “Club Online” or request an application form to apply by mail. After you apply, a prescribed screening process will be conducted, and you will be notified when the service becomes available.
Last Updated: June 23, 2025