David Jones American Express Card – Rates and Fees

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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 NameDavid Jones American Express
Rewards ProgramMembership 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 Repayment2.5% or $30, whichever is greater
Minimum Income$40,000
Card TypeAmerican 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 InsuranceNo
Available To Temporary ResidentsYes - Conditions apply
Joint ApplicationNo
Minimum Income$40,000
Minimum Age18 years of age
Available to Temporary ResidentsYes - 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 Repayment2.5% 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 AllowedNo
Additional Cardholder Fee$0 for the first year, then $29 p.a. p.a.
BPAYYes
ChequeYes
Direct DebitYes
Australia PostYes
Phone BankingNo
Internet Banking TransfersYes
In BranchYes
MailNo

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 ProgramMembership Rewards
Bonus Points on Sign-up20,000
Rewards Points per $ (AMEX)1
Rewards Points per $ (AMEX) CapUncapped
Points ExpiryNever

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.

The American Express Card

Frequently asked questions

No, there is no minimum spend requirement for you to earn these points.

Unfortunately, this David Jones American Express card does not offer cash advances.

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.

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44 Responses

  1. Default Gravatar
    PiotrMay 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?

    • Staff
      JasonMay 7, 2017Staff

      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

  2. Default Gravatar
    JulApril 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?

    Thanks

    • Staff
      AnndyApril 25, 2017Staff

      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

  3. Default Gravatar
    EdwinOctober 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?

    • Staff
      MayOctober 6, 2016Staff

      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

  4. Default Gravatar
    September 20, 2016

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

    • Staff
      DebbieSeptember 21, 2016Staff

      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

  5. Default Gravatar
    JamesAugust 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)
    Thanks!

    • Staff
      AnndyAugust 22, 2016Staff

      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

  6. Default Gravatar
    RobertaJuly 26, 2016

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

    • Staff
      MayJuly 28, 2016Staff

      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

  7. Default Gravatar
    JoanneJuly 6, 2016

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

    • Staff
      AnndyJuly 6, 2016Staff

      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

  8. Default Gravatar
    stanMarch 4, 2016

    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

    • Staff
      JonathanMarch 7, 2016Staff

      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

  9. Default Gravatar
    MichelleFebruary 12, 2016

    Is there a monthly cap on reward points? Ie do you only get 3 reward points per $ up to $x?

    • Staff
      JonathanFebruary 15, 2016Staff

      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

  10. Default Gravatar
    LindaOctober 25, 2015

    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.

    • Staff
      JonathanOctober 26, 2015Staff

      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

Credit Cards Comparison

Rates last updated September 24th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 24 months
$90 p.a.
Until 1 October 2017, exclusive to finder.com.au, enjoy a no BT fee, balance transfer offer with platinum privileges, including travel insurance.
St.George Vertigo Visa
13.24% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$55 p.a.
Receive up to 55 days interest-free on purchases and the ability to make contactless payments with Visa payWave technology.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 18 months
$129 p.a.
Earn 3 bonus Velocity Points per $1 for the first 3 months, a first year annual fee refund and a yearly $129 Virgin Australia Gift Voucher.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$99 p.a.
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.

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