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David Jones American Express Card

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Receive 45,000 bonus Membership Rewards points or bonus Qantas Points with the David Jones American Express credit card.

The David Jones American Express card gives you a choice between earning Membership Rewards Points or Qantas Points for your spending, both at David Jones and everywhere that accepts Amex.


Bonus points

20.74% p.a.

Purchase rate


Reward point

Per $ spent

$99 p.a.

Annual fee

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Product NameDavid Jones American Express Card
Rewards programMembership Rewards
Purchase rate20.74% p.a.
Annual fee$99
Interest-free period44 days
Min credit limit$2,000
Card typeAmerican Express
Foreign currency conversion fee3%
Minimum income$40,000
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • 45,000 bonus Membership Rewards Points or 22,500 Qantas Points when you spend $1,500 outside David Jones within the first 3 months
  • High points earn rates of 3 points per $1 at major supermarkets and petrol stations, 2 points per $1 at David Jones and 1 point per $1 spent elsewhere
  • 1 Rewards point = 0.5 Qantas Points


  • Offers up to 44 days interest-free on purchases for this card, as opposed to most cards with 55 days
Rewards programMembership Rewards
Bonus points45,000
Rewards points per $ spent1
Rewards points capUncapped
Annual fee$99
Minimum monthly repayment2.5% of the closing balance or $30, whichever is greater
Late payment fee$30
Foreign currency conversion fee3%

Expert review

Sally McMullen

Review by

Sally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The competitive earn rates on the David Jones American Express credit card make it an appealing option, whether you're a loyal David Jones shopper or not. In fact, it offers the highest rate of points per $1 spent when you shop at major supermarkets and petrol stations, earning 3 Membership Rewards Points or 1.5 Qantas Points per $1 spent at these retail categories.

How to apply

If you've compared your options and want to apply for the David Jones American Express credit card, you can submit an online application in around 10 minutes. With this card, you should get a response within 5-10 working days. To make the process as smooth as possible, check that you meet the eligibility criteria and make sure you have the required documents and details on hand.

Eligibility criteria

  • Minimum income. You must earn a minimum of $40,000 per year.
  • New cardholder. The offer is only available to new card members. This means you won't be eligible if you have held any other David Jones credit card product issued by American Express in the past 18 months. You also won't be eligible if you are applying for the David Jones American Express Staff Card.

Card benefits

  • Bonus point offer. As a new card member and part of this exclusive Vogue American Express Fashion's Night In offer, you can collect a bonus 45,000 Membership Rewards Points or 22,500 Qantas Points. All you have to do to get these points is to apply by 01 November 2020 and use your new card to spend $1,500 outside David Jones within the first 3 months of card membership. The points will then be credited to your account within 8 to 10 weeks.
  • Choice of Membership Rewards or Qantas Points. When you get this card, you can choose either the Membership Rewards program or the Qantas Frequent Flyer Program. One dollar earns 3 Membership Rewards Points (1.5 Qantas Points) at major supermarkets and petrol stations, 2 points (1 Qantas Point) at David Jones and 1 point (0.5 Qantas Points) everywhere else.

Rates & fees

  • Annual fee. The David Jones American Express charges a $99 annual fee.
  • Interest rate. This card charges an interest rate of 20.74% p.a.

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  1. Default Gravatar
    May 8, 2018

    Can I opt to change my arrangement re points after I’ve already had the card a couple of years? That is, can I opt to change my current points over to Qantas points, and to apply all future DJs points to my Qantas FF account?

    • Default Gravatar
      Ash Munoz
      May 8, 2018

      Hi Angela,

      Thank you for contacting finder.

      Yes, you may change your Reward Option to the Qantas Frequent Flyer Program though you will not be able to convert your current Membership Rewards Points to Qantas Points. You will need to redeem Membership Rewards Points 30 days within your notification of changing your rewards program. Once you have made the switch, you will now earn Qantas points given that you have provided your Qantas Frequent Flyer number.

      To know more about the Qantas Frequent Flyer Program, you may check this page.

      You may only change your rewards program once every year.

      I hope this helps.

      Let us know if there is anything else that we may assist you with.


  2. Default Gravatar
    May 2, 2018

    Can I use points to pay for the annual fee?

    • Avatarfinder Customer Care
      May 2, 2018

      Hello Tanvir,

      Thank you for your comment.

      According to David Jones Storecard and David Jones American Express Reward Points Terms and Conditions, Membership Rewards points can be redeemed for David Jones Gift Cards, Frequent Traveller Rewards, Non-Frequent Traveller Rewards, Points for Travel, to Shop with Points, or Points + Pay online at David Jones, and Credit on the Card, provided your account and all your other accounts with us are kept in good standing and not overdue.

      Unfortunately, points cannot be used to pay for annual fee.


  3. Default Gravatar
    February 18, 2018

    It’s a white.David jones card from Heritage

    • Avatarfinder Customer Care
      March 7, 2018

      Hi Heritage David Jones,

      Can you please clarify what help you need with your David Jones card?



  4. Default Gravatar
    May 6, 2017

    How many point is allocated for every dollar spent with government agencies and if there is an annual or monthly limit on David Jones American Express Card?

    • Avatarfinder Customer Care
      May 7, 2017

      Hi Piotr,

      Thank you for your enquiry.

      There are no monthly or annual limit or cap to the earned points of David Jones American Express Card. You can earn 0.5 rewards point per dollar paid to the ATO using this credit card. You may also check out this link for a list of credit cards that earn rewards points on ATO payments.

      Kind regards,

  5. Default Gravatar
    April 20, 2017

    Hi, Presuming there’s no cost if cancelling the credit card, but wanted to know if cancellation would bring down credit score? Or any penalty should put into consideration?

    How long would be able to receive the bonus Qantas point after meet the purchase?


    • Avatarfinder Customer Care
      April 25, 2017

      Hi Jul,

      Thanks for your question.

      Each time you apply for credit or close a credit account, it shows on your credit file. While lenders might view too many listings as a risk, closing accounts to minimise available credit should not affect your credit score negatively. Just remember to close your credit card properly so that you’ll not leave outstanding debts.

      Generally, there are no penalties for closing a card.

      It would take 8 to 10 weeks after you have made the eligible spend for the points to be credited to your account.


  6. Default Gravatar
    October 6, 2016

    A lot of banks are not giving reward points for ATO tax payment paid by credit cards. Does DJ AMX credit cards still give reward points for ATO payment?

    • Avatarfinder Customer Care
      October 6, 2016

      Hi Edwin,

      Thank you for your question.

      Yes, this David Jones American Express credit card lets you earn 0.5 points per $1 paid to the ATO. Other credit cards that allow you to earn points when making payments to the ATO are found on this page.

      Hope this helps.


  7. Default Gravatar
    September 20, 2016

    Can I hook my card up to some bills I pay ie gas, electricity, rates etc in order to gain extra points?

    • Avatarfinder Customer Care
      September 21, 2016

      Hi Gina,

      Thanks for your inquiry.

      As long as your bills payment are not considered as cash advance, you can earn points through them. Using your card on major petrol stations and supermarkets can let you earn rewards points too.

      Please note that the following transactions are excluded on earning rewards points: cash advances, cash services, travellers cheque purchases, interest charges, fees and charges or balance transfers from other credit card accounts and store cards.

      For your reference, I have sent the David Jones Amex Rewards terms and conditions in to your email.

      I hope this helps.


  8. Default Gravatar
    August 22, 2016

    Hi – I’m interested in getting this card.
    Is there a cancellation fee associated with the card? Do you have the financial table (fees, etc.) available online (as I couldn’t find this)

    • Avatarfinder Customer Care
      August 22, 2016

      Hi James,

      Thanks for your comment.

      The David Jones American Express Card does not charge card cancellation fees.

      I’ve sent you an email with a link to the page where you can read the related fees and charges attached to this credit card.


  9. Default Gravatar
    July 26, 2016

    I’m interested in a card that includes discounts at gas. Does this Card offer that?

    • Avatarfinder Customer Care
      July 28, 2016

      Hi Roberta,

      Thanks for your inquiry.

      This David Jones American Express Card will let you earn points when you use it for paying your petrol at partner stations of AMEX but will not let you get discounts on fuel. You can find more of this kind of credit card here.

      There are actually credit cards that let you cashback and discounts directly from purchasing fuel. They are not linked with any other existing rewards program but are connected to specific fuel retailers.


  10. Default Gravatar
    July 6, 2016

    Hi there, if I apply for a David jones credit card, can I have any discount on purchasing luxury handbags in store?

    • Avatarfinder Customer Care
      July 6, 2016

      Hi Joanne,

      Thanks for your question.

      Unfortunately, the benefits offered to David Jones American Express Card cardholders do not include discount on purchases. However, your benefits include:

      – Fashion Pay Later Option – a deferred payment promotion for the period of 3 months. It is available for purchases made instore at David Jones (Australia only) and is available on all purchases of women’s and men’s apparel, shoes and fashion accessories with a single transaction value of $250 or more. Other conditions apply.

      – Christmas Deferred Payment Option – a deferred payment promotion available for purchases made instore at David Jones (Australia only) between 1 November and 24 December. The deferred payment period expires 31 January in the following year. Other conditions apply.


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