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Receive 20,000 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 20,000 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.
| Product Name | David Jones American Express |
|---|---|
| Rewards Program | Membership Rewards |
| Purchase rate (p.a.) | 20.74% p.a. |
| Annual fee | $99 p.a. |
| Interest Free Period The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement. | Up to 44 days on purchases |
| Min credit limit This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure. | $2,000 |
| Max credit limit This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account. | $30,000 |
| Minimum Monthly Repayment | 2.5% or $30, whichever is greater |
| Minimum Income | $40,000 |
| Card Type | American Express |
| Late Payment Fee | $30 |
| Foreign Currency Conversion Fee (AMEX) Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution. | 3% of transaction value |
| Complimentary Travel Insurance | No |
| Available To Temporary Residents | Yes - Conditions apply |
| Joint Application | No |
| Minimum Income | $40,000 |
|---|---|
| Minimum Age | 18 years of age |
| Available to Temporary Residents | Yes - Conditions apply |
| Credit Rating Requirement Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here. | Good |
| Min Credit Limit This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure. | $2,000 |
| Max Credit Limit This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account. | $30,000 |
| Annual Fee | $99 p.a. |
|---|---|
| Minimum Repayment | 2.5% or $30, whichever is greater |
| Late Payment Fee | $30 |
| Foreign Currency Conversion Fee (AMEX) Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution. | 3% of transaction value |
| Gambling Transactions Allowed | No |
| Additional Cardholder Fee | $0 for the first year, then $29 p.a. p.a. |
| BPAY | Yes |
| Cheque | Yes |
| Direct Debit | Yes |
| Australia Post | Yes |
| Phone Banking | No |
| Internet Banking Transfers | Yes |
| In Branch | Yes |
| No |
Pros
- 20,000 bonus Membership Rewards points when you spend 3 times outside David Jones in the first month
- High points earn rates of 3 points per $1 at major supermarkets and petrol stations, 2 per $1 at David Jones and 1 per $1 spent elsewhere
- Flexible payment options, complimentary standard delivery and access to exclusive David Jones perks
Cons
- There is no balance transfer feature offered with this card.
- At the end of the interest-free period, the relatively high 20.74% p.a. interest rate applies.
- There are only 44 days interest-free on purchases for this card, as opposed to most cards with 55 days.
| Rewards Program | Membership Rewards |
|---|---|
| Bonus Points on Sign-up | 20,000 |
| Rewards Points per $ (AMEX) | 1 |
| Rewards Points per $ (AMEX) Cap | Uncapped |
| Points Expiry | Never |
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. thereafter. 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 dollar earns 1 Membership Rewards point or 0.75 Qantas Points.
- Bonus points. As a new cardholder, you stand to get 20,000 Membership Rewards points or 15,000 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 and Mobil. 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. thereafter.
- 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.
Frequently asked questions
To earn the bonus points, do the first three transactions outside David Jones come with minimum spend requirements?
No, there is no minimum spend requirement for you to earn these points.
Can I use this card for cash advances?
Unfortunately, this David Jones American Express card does not offer cash advances.
Does this card offer any interest-free days?
Yes. By paying your account’s closing balance in full each month, you can make use of as many as 44 interest-free days on purchases.
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?
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,
Jason
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?
Thanks
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.
Cheers,
Anndy
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?
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.
Cheers,
May
Hi
Can I hook my card up to some bills I pay ie gas, electricity, rates etc in order to gain extra points?
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.
Cheers,
Debbie
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)
Thanks!
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.
Cheers,
Anndy
I’m interested in a card that includes discounts at gas. Does this Card offer that?
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.
Cheers,
May
Hi there, if I apply for a David jones credit card, can I have any discount on purchasing luxury handbags in store?
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.
Cheers,
Anndy
Hi Jonathan,
I am an existing “AMEX” user but i am not an existing “David Jones American Express Card Members”, will I be eligible for the bonus qantas points if i apply and get approved?
The terms says: 1.This offer is available to new David Jones American Express Card Members who apply online via this site, approved and make the required eligible spend(s).
Many thanks,
Stan
Hi Stan, thanks for your inquiry!
You can apply for this offer and receive the bonus 30,000 bonus Rewards points, providing that you are not an existing David Jones American Express Card Member.
Cheers,
Jonathan
Is there a monthly cap on reward points? Ie do you only get 3 reward points per $ up to $x?
Hi Michelle, thanks for your inquiry!
There is no rewards cap on this credit card. You will earn 1 Reward point for every $1 spent.
Cheers,
Jonathan
Hi, I understand that new members get 30,000 Membership Rewards points upon joining the program. Just wondering if a new member could use those points to pay for the $99 joining fee? Thanks in advance.
Hi Linda, thanks for your inquiry!
Unfortunately this rewards program does not provide ‘account credit’ as a reward. I have sent the online catalogue for this rewards program to your email.
Cheers,
Jonathan