David Jones American Express Card
- Receive 15,000 bonus Membership Rewards points
or 7,500 bonus Qantas Points
Eligibility criteria, terms and conditions, fees and charges apply
Receive 15,000 bonus Membership Rewards points, or 7,500 Qantas Points and access exclusive benefits with the David Jones American Express Credit Card.
The David Jones American Express Card offers a number of benefits whether you're a loyal DJ's shopper or not, including a high points earn rate on Membership Rewards and Qantas Points, interest-free shopping, free delivery and exclusive discounts. New cardholders have the ability to earn 15,000 bonus Membership Rewards points or 7,500 bonus Qantas Points when you spend $750 outside of David Jones within the first 3 months of card opening.
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 Card |
|---|---|
| Rewards Program | Membership Rewards |
| Purchase rate (p.a.) | 20.74% p.a. |
| Annual fee | $99 p.a. |
| Interest Free Period The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date. | Up to 44 days on purchases |
| Min credit limit This is the lowest credit limit you can be granted. It is possible to request a higher credit limit but not a lower one than this figure. | $2,000 |
| Card Type | American Express |
| Foreign Currency Conversion Fee (AMEX) Charged when you make a transaction that is converted by 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 |
| Minimum Income | $40,000 |
|---|---|
| Minimum Age | 18 years of age |
| Available To Temporary Residents | Yes - Conditions apply |
| Joint Application | No |
| Annual fee | $99 p.a. |
|---|---|
| Minimum Monthly Repayment | 2.5% or $30, whichever is greater |
| Late Payment Fee | $30 |
| Foreign Currency Conversion Fee (AMEX) Charged when you make a transaction that is converted by 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. |
Pros
- 15,000 bonus Membership Rewards points or 7,500 Qantas Points when you spend $750 outside David Jones in 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
- Flexible payment options, complimentary standard delivery and access to exclusive David Jones perks
Cons
- There are only up to 44 days interest-free on purchases for this card, as opposed to most cards with 55 days.
| Rewards Program | Membership Rewards |
|---|---|
| Bonus Points | 15,000 bonus points |
| Rewards Points per $ spent (AMEX) | 1 |
| Rewards Points per $ (AMEX) Cap | Uncapped |
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 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. Please note that the Membership Rewards redemption rates are due to change from 15 April 2019. You can compare the upcoming points exchange rates in this detailed guide.
- Bonus points. As a new cardholder, you stand to get 15,000 bonus Membership Rewards points or 7,500 Qantas Points. All you have to do to get these points is to spend $750 outside David Jones in the first 3 months.
- Exclusive in-store David Jones 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 Google Pay, depending on the device you're using.
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:
- Annual 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.
- 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.
- Interest rates. This card charges a 20.74% p.a. interest rate on purchases.
- Interest-free days. If you pay your balance in full, you can look forward to up to 44 interest-free days on purchases.
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.
- You 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
Whether or not 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.
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?
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.
Cheers,
Ash
Can I use points to pay for the annual fee?
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.
Regards,
Jhezelyn
It’s a white.David jones card from Heritage
Hi Heritage David Jones,
Can you please clarify what help you need with your David Jones card?
Best,
Jonathan
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