Diners Club Macedonia

What Diners Club Macedonia does

Diners Club Macedonia (Diners Club International MAK AD Skopje) is a credit card issuer and payment services company operating under an exclusive franchise license from Discover Financial Services in North Macedonia. Founded in 1995 (celebrating 30 years of operation in 2025), the company offers a portfolio of six card products targeting physical individuals (Diners Club One, Now, Classic, Acibadem Sistina co-branded, and Advantage) and legal entities (Diners Club Business). Its core technology is built on top of the Discover Network and Diners Club International global payment infrastructure, supplemented by a proprietary digital layer including the My Diners mobile application (iOS, Android, Huawei) and a new biometric onboarding flow via partner Blinking. The company monetizes through three streams: annual membership fees (varying by card tier, with Advantage at 7,200 MKD/year and Classic/Sistina fee-free with qualifying turnover), installment interest and processing fees, and interchange and transaction fees from a domestic network of 5,000+ merchant sales locations and 7,540+ POS terminals.

The business operates with a lean headcount of 22 employees and is distributed through a multi-channel GTM mix: online applications at apply.diners.mk, mobile app self-service, a 24/7 contact center at 15 155, physical Diners zones for instant card issuance at East Gate Mall Skopje and Bliss Mall Bitola, and bank partner ATM networks (NLB, Halkbank, Stopanska, ALTA, Uni Banka). Since 2020 the company has been 100% Macedonian-owned, making it the only Diners Club international franchise globally owned by a natural person rather than a financial institution. In 2025 the company obtained exclusive franchise rights from Discover Financial Services to expand into Serbia, Montenegro, Albania, and Kosovo, increasing the potential member base from 2 million to 16 million. Its value-added services include 150+ merchant cashback partners, 1,700+ airport lounges globally, and roadside and home assistance packages via ORYX Assistance.

Name

Diners Club Macedonia

Legal name

Динерс Клуб Интернационал МАК АД Скопје (Diners Club International MAK AD Skopje)

Website

https://diners.mk

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

Diners Club Macedonia is a credit card issuer operating under an exclusive Discover Financial Services franchise, serving individual consumers and legal entities in North Macedonia with six card products, a 5,000+ merchant network, and a My Diners mobile app for card management.

Ownership category

akta.pro rank

Headquarters

HQ city

Skopje

HQ country

North Macedonia

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Credit Card Membership Fees: Annual membership fees charged for credit card issuance and maintenance. Classic and Sistina cards have fee-free first year with subsequent years free if annual turnover exceeds 150,000 MKD. Advantage card charges 600 MKD monthly (7,200 MKD annually).
2. Installment Interest and Fees: Revenue from installment purchases, cash withdrawals on installments, and processing fees for transactions. Interest rates apply for extended installment periods beyond promotional periods.
3. Interchange and Transaction Fees: Revenue share from merchant transactions at POS terminals across Macedonia, integrated with Discover Network global payment infrastructure.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels5 records

Core offering

Diners Club Macedonia is a credit card issuer and payment services company that issues a portfolio of consumer and business credit cards (Diners Club Now, One, Classic, Acibadem Sistina co-branded, Advantage, and Business) and processes installment and POS transactions at 5,000+ merchant locations and 7,540+ POS terminals across Macedonia. The company distributes additional financial services including cashback rewards, airport lounge access, roadside and home assistance, and a mobile card management platform (My Diners), operating under franchise from Discover Financial Services.

Product overview

Diners Club Macedonia operates as a credit card issuer and payment services company offering a portfolio of six distinct card products (Diners Club Now, One, Classic, Acibadem Sistina co-branded, Advantage, and Business) distributed through a network of 5,000+ merchant locations and 7,540+ POS terminals across Macedonia and globally through the Discover network (190+ countries). The portfolio is anchored by the Diners Club Classic card as the primary consumer product, supplemented by the premium Advantage card (with airport lounge access, roadside assistance, and personal assistant), the instant-issue Now card, the entry-level One card, the healthcare co-branded Acibadem Sistina card, and the Business card for corporate clients. Digital engagement is driven through the My Diners mobile application (iOS, Android, Huawei) which provides 24/7 card management, while value-added services include installment purchasing (including interest-free), cash withdrawals at ATMs, the Cashback rewards program, SMS Info+ transaction notifications, airport lounge access, roadside and home assistance (via ORYX Assistance), installment calculators, and a refer-a-friend program. The company also operates a Cashback online program through dinerscashback.mk for e-commerce purchases.

Differentiator

Problem solved

Functional benefit

Brands

• Diners Club One: Entry-level credit card, free forever, ideal as a first card for everyday use with up to 3 installments at 5,000+ locations in Macedonia.
• Diners Club Now
• Diners Club Classic
• Diners Club Аџибадем Систина Cobranded
• Diners Club Advantage
• Diners Club Business
• My Diners

Products and services

• Diners Club Now Card The first instant credit card in Macedonia, issued in 10 minutes at Diners zones in East Gate Mall Skopje and Bliss Mall Bitola, requiring only a national ID card. One-time issuance fee of 1,000 MKD.
• Diners Club One Card Entry-level, free-forever credit card with no membership fee. Maximum credit limit of 20,000 MKD, up to 3 installments at 5,000+ merchant locations, aimed at first-time cardholders.
• Diners Club Classic Card Main consumer credit card offering installment purchases up to 12 installments and interest-free installments at 5,000+ merchant locations in Macedonia. Free first year and free thereafter if annual turnover exceeds 150,000 MKD; otherwise 200 MKD monthly.
• Diners Club Acibadem Sistina Co-branded Card Co-branded credit card with Acibadem Sistina healthcare provider offering 5% discount on all services, up to 12 interest-free installments at partner medical facilities, and 5% discount at Sistina Ophthalmology and Dioptra optics. Same fee structure as Classic.
• Diners Club Advantage Card Premium credit card with free unlimited airport lounge access (1,700+ lounges globally), free Europe roadside and Extra home assistance packages, 24/7 personal assistant, free SMS notifications, complimentary travel insurance, and 5–20% discounts at partner merchants. Annual fee 600 MKD in 12 monthly installments; one-time issuance fee of 500 MKD.
• Diners Club Business Card Business credit card for corporate clients enabling up to 24 installments at 5,000+ merchant locations, cash withdrawals up to 12 installments, expense reporting with per-cardholder specifications, and material expense recording for companies.
• My Diners Mobile Application Free mobile application providing 24/7 card management including transaction viewing, installment plan changes, limit increase requests, card blocking/unblocking, daily and monthly purchase limits, promotional tracking, and customer support contact. Available on iOS, Android, and Huawei.
• Cashback Program Cashback rewards program for Diners Club Classic and Advantage cardholders. Over 150 merchants participate, returning 1–2% of transaction amounts on installment purchases. Activation via My Diners app. Operates alongside the online Diners Club Cashback Program at dinerscashback.mk.
• Roadside Assistance (Помош на пат) Roadside assistance service in partnership with ORYX Assistance covering vehicle repair, towing, rental car, hotel accommodation, and alternative transport. Available in three paid tiers: Macedonia (1,320 MKD/year), Region (1,560 MKD/year), and Europe (1,800 MKD/year). Includes Drive Angel app for accident detection.
• Home Assistance (Помош дома) Home repair assistance service covering plumber, electrician, locksmith, carpenter, and glazier services. Available in two paid tiers: Basic (1,440 MKD/year) and Extra (1,680 MKD/year). Activated through My Diners app. Provided in partnership with ORYX Assistance.
• Airport Lounge Access Privileged access to over 1,700 airport business lounges and experiences worldwide. Diners Club Advantage cardholders enjoy free unlimited lounge access; cards accepted at lounges even without business class tickets.
• Refer-a-Friend Program Loyalty program rewarding existing members 1,500 MKD on their account for each successful referral whose application is approved and card activated. Managed through My Diners app.

Quantifiable outcome

• 5,000+ sales locations in Macedonia
• +3 more outcomes

Named customers5 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature2 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• BlinkingcoreTechnology or Integration · 1 January 2024Strategic partnership with Blinking, a leading digital identity and user onboarding company based in Belgrade, Serbia, to implement biometric verification technology for online card applications. The system uses document photography and selfie matching for identity verification.
• ORYX AssistancecoreStrategic or Co-development PartnerPartnership with ORYX Assistance for providing Roadside Assistance and Home Assistance services to Diners Club cardholders. Services include vehicle repair, towing, hotel accommodation, and home repair services (plumbing, electrical, locksmith, carpentry, glazing).
• NLB Bank, Halkbank, ALTA Bank, Stopanska Banka, Uni BankacoreChannel Partner/ Reseller/ DistributorPartnership with major Macedonian banks for ATM network access, allowing Diners Club cardholders to withdraw cash at bank ATMs across Macedonia with installment repayment options.
• 150+ Cashback Merchant PartnerscoreChannel Partner/ Reseller/ DistributorCashback program with 150+ merchant partners across categories including fashion (Zara, Bershka, Massimo Dutti), watches (B-Watch), cosmetics (Mona, Elen Luka), restaurants (Casablanca, Kabron), hotels (Hotel Park, Drim), and more.
• Acibadem Sistina HospitalcoreChannel Partner/ Reseller/ DistributorCo-branded credit card partnership with Acibadem Sistina hospital offering 5% discount on all services and installment payments up to 12 months at the medical facility.
• Discover Financial ServicescoreChannel Partner/ Reseller/ DistributorDiscover Financial Services is the franchisor for Diners Club operations in Macedonia, operating in more than 200 countries with over 280 million cards issued and total annual turnover of $500 billion.
• East Gate MallminorChannel Partner/ Reseller/ DistributorPartnership with East Gate Mall for Diners zone presence and promotional campaigns offering installment payments at 75+ retail locations within the shopping mall.

Scale indicators8 records

Recent moves14 records

Expansion highlights7 records

Broad incumbents

• Mastercard: Global card network competing with Diners/Discover for acceptance and co-branded card partnerships. Comparable as a payment network with broad consumer and business card products.
• Visa: Dominant global card network and a competitor for merchant acceptance and consumer card spend. Operates the rails on which many competing bank-issued cards (including Macedonian bank cards) run.
• Capital One: Major consumer and small business card issuer with cashback rewards and digital-first onboarding, comparable to Diners Club's Classic + Cashback + Business positioning.
• Discover Financial Services: Franchisor of Diners Club Macedonia and the parent network providing global acceptance (190+ countries), PULSE ATM access, and the underlying card platform. Directly comparable as a credit card issuer and payment network with overlapping products and customer base.

Direct peers

• American Express: Global charge and credit card issuer with similar premium positioning, lounge access benefits, and membership fee model. Competes head-to-head with Diners Club for high-spend consumers and corporate card customers, particularly through the Business card segment.
• Diners Club International: The global Diners Club brand and franchise network under which Diners Club Macedonia operates. Closest direct peer in terms of card products, acceptance model, and value-added services (lounges, installments, assistance).

Emerging players

• Stripe: Digital payments platform offering card issuing and payment processing infrastructure. Comparable as a technology-enabled payments provider, though targeting a different (merchant/fintech) customer base rather than consumer cards.

Regional players

• Halkbank AD Skopje: Macedonian bank that is both an ATM partner and a competitor issuing its own credit cards. Comparable as a local payment-card and consumer credit provider in the same geography.
• Stopanska Banka AD Skopje: One of the largest banks in Macedonia, ATM distribution partner, and competing issuer of consumer credit cards and installment products. Overlaps with Diners Club in target customer segment and product type.
• NLB Banka Skopje: Largest Macedonian bank and ATM partner of Diners Club Macedonia. A direct local competitor for consumer credit cards and personal loans, with overlapping customer base in North Macedonia.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/diners-club-macedonia

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Diners Club Macedonia