David Jones American Express Card

Offers you 50,000 bonus Membership Rewards points or 25,000 bonus Qantas Points and 0% interest on purchases for 6 months, but has a higher interest rate after that.

The David Jones American Express card lets you choose between earning Membership Rewards Points or Qantas Points for your spending. And if you’re a new card member, you'll earn a bonus 50,000 Membership Rewards Points or 25,000 Qantas Points when you apply online by 20 October 2021 and spend $1,500 on eligible purchases in the first 3 months from approval. You’ll also pay 0% interest on purchases for the first 6 months. But after that, the interest rate for purchases reverts to 20.74% p.a.

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Bonus points

0% p.a.

Purchase rate

for the first 6 months (reverts to 20.74% p.a.)


Reward point

Per $ spent

$99 p.a.

Annual fee

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Product NameDavid Jones American Express Card
Rewards programMembership Rewards
Purchase rate0% p.a. for 6 months, reverts to 20.74% p.a.
Annual fee$99
Interest-free periodUp to 44 days on purchases
Min credit limit$2,000
Card typeAmerican Express
Foreign currency conversion fee3%
Minimum income$40,000
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • 50,000 bonus Membership Rewards Points or 25,000 Qantas Points
  • 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


  • Purchase rate reverts to 20.74% p.a. after the promotional period
  • Offers up to 44 days interest-free on purchases for this card, as opposed to most cards with 55 days
Rewards programMembership Rewards
Bonus points50,000
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%

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The David Jones American Express credit card offers points for all your eligible spending everywhere, plus exclusive perks at David Jones. If you choose to earn Membership Rewards points, you'll get between 1 and 3 points per $1 spent, while if you choose the Qantas Frequent Flyer option you will get between 0.5 and 1.5 Qantas Points per $1 for your eligible spending. When you factor in the $99 p.a. annual fee, these earn rates are competitive with other similar rewards cards. Another benefit: you actually earn the highest rate of points per $1 spent when you shop at major supermarkets and petrol stations, giving you a simple way to rack up more rewards or frequent flyer points.

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. Collect 50,000 bonus Membership Rewards Points or 25,000 Qantas Points when you apply online as a new card member, get approved by 20 October 2021 and spend $1,500 outside of David Jones in the first 3 months. The points will then be credited to your account within 8 to 10 weeks of meeting the spend requirement.
  • 0% purchase rate offer. Pay no interest for the first 6 months on purchases you make with your new David Jones American Express when you apply online and get approved for this card. At the end of the introductory period, this card will attract a 20.74% p.a. purchase interest rate. Note that you will still be required to meet minimum repayments during the interest-free period.

Rates & fees

  • Annual fee. The David Jones American Express charges a $99 annual fee.
  • Additional cardholder. For every additional card, the David Jones American Express charges $0 for the first year, then $29 p.a. thereafter.

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    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.

      You can learn more about the Qantas Frequent Flyer Program.

      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.


    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.


    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?



    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 is no monthly or annual limit or cap to the earned points of 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 credit cards that earn rewards points on ATO payments.

      I hope this helps.

      Kind regards,

    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.


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