David Jones American Express Card – Rates and Fees

4 August 2017

Receive 40,000 bonus points and access exclusive in-store benefits with the David Jones American Express Credit Card.

The David Jones American Express Card offers a number of in-store privileges like interest-free shopping, free delivery and exclusive discounts. New cardholders have the ability to earn 40,000 bonus points, and can choose to redeem accumulated points through the American Express Membership Rewards program or the Qantas Frequent Flyer program.

The David Jones American Express Platinum Card comes with some additional features and gives you the ability to earn more points at David Jones, but charges a significantly higher annual fee.

David Jones American Express Card review

Are you a loyal David Jones customer? If so, the David Jones American Express could be the right credit card for you. This is because you stand to accumulate more rewards points when you use this card at David Jones, plus, you can look forward to an array of in-store benefits.

This card attracts a nominal annual fee of $99, and you can get an additional card for an annual fee of $0 for the first year, then $29 p.a., which you don’t have to pay for the first year. Given the American Express connect, you can look forward to using this card globally; all you have to do is look for the American Express sign.

Benefits of the David Jones American Express Credit Card

David Jones American Express cardholders can look forward to the following perks:

• Rewards program options. When you get this card you can choose between the Membership Rewards program and the Qantas Frequent Flyer Program. One reward point translates to 1 Membership Rewards point or 0.75 Qantas Points.
• Bonus points. As a new cardholder you stand to get 40,000 Membership Rewards points or 30,000 Qantas Points. All you have to do to get these points is use your new card outside David Jones three times in the first month.
• Exclusive in-store benefits. When you spend more than $500 on electrical, homewares, furniture, and bedding items, you can get up to four years interest-free without paying any deposit. When you use your card to make payments, you can take advantage of complimentary gift wrapping. The Fashion Pay Later Option gives you the option of not paying for purchases for three months. The Christmas Deferred Payment Option also gives you a good way to shop and save before Christmas. Finally, you will receive complimentary standard delivery on most purchases when you use the card to pay in store or online.
• Contactless mobile payments. You can use this card for mobile contactless tap and pay payments with Apple Pay, Samsung Pay and Android Pay, depending on the device you're using.
• Interest-free days. If you pay your balance in full, you can look forward to up to 44 interest-free days on purchases.

Features of the David Jones American Express Credit Card

If you’re considering applying for the David Jones American Express card, take some time to consider the features it offers:

• Earning points. You earn 3 reward points for each dollar you spend at major supermarkets and petrol stations. Some of these include Coles, Woolworths, Safeway, IGA, Shell, BP, 7 Eleven, Mobil, and Caltex Woolworths. Every dollar you spend at David Jones earns 2 reward points. Every dollar spent on eligible purchases elsewhere earns 1 reward point.
• Redeeming points. If you opt for the Membership Rewards program you can use your points to shop online at davidjones.com or redeem gift cards from various retailers, merchandise, concert tickets, or transfer them for flight rewards with one of eight frequent flyer programs. If you opt for the Qantas Frequent Flyer program, you can redeem your points for Qantas flight tickets, flight upgrades, gift cards, and an array of merchandise.
• Fees. You have to pay an annual fee of $99 for as long as your account remains active. Additional cards attract ongoing annual fees of $0 for the first year, then $29 p.a., which is waived for the first year.
• Interest rates. This card charges a 20.74% p.a. interest rate on purchases.
• Payments. You can make payments towards your David Jones American Express card via direct debits and BPAY. You can also pay in person using cash or card at David Jones stores, Australia Post offices, and American Express foreign exchange travel offices.

How to apply for the David Jones American Express Card

You can complete an online application form in a matter of minutes. Applying for this card requires that you meet the following eligibility criteria and include the necessary documents:

Eligibility criteria

• You must be over 18 years.
• Applicants must be a permanent Australian resident, or an Australian citizen, or must hold a Subclass 457 – Business Long Stay Visa.
• You'll need to have a good credit history.
• Your pre-tax gross household should be at least $40,000.

Required documents

• Your name and contact details
• Employment related information
• Your annual earnings
• Your monthly expenditure
• Information about all your liabilities

If you're a loyal David Jones customer, a David Jones American Express credit card could be a worthwhile way to earn points as you spend. As this isn't the only rewards card on the market, make sure you compare your options thoroughly before applying.

The American Express Card

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