David Jones American Express Card

Offers $200 credit back on your new card and rewards points, with a $99 annual fee.

The David Jones American Express card lets you choose between earning Membership Rewards Points or Qantas Points for your spending – with up to 3 Membership Rewards points or 1.5 Qantas Points per $1 depending on the purchase. And if you’re a new card member, you'll receive $200 credit when you apply online by 13 July 2022 and spend $1,500 on eligible purchases in the first 3 months from approval.

This card also offers perks at David Jones, including exclusive discounts, interest-free finance options and free delivery.

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Amy Bradney-George

Last Updated Aug 16, 2021

20.74% p.a.

Purchase rate

Reward point

Per $ spent

$99 p.a.

Annual fee

44 days

Interest free period

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Details

Product Name	David Jones American Express Card
Rewards program	Membership Rewards
Purchase rate p.a.	20.74%
Annual fee	$99
Interest-free period	Up to 44 days on purchases
Min credit limit	$2,000
Card type	American Express
Foreign currency conversion fee	3%

Minimum income	$40,000
Available to temporary residents	Yes - Conditions apply
Joint application	No

Pros

Offers $200 back on your account
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
David Jones shopping perks

Cons

Offers 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	N/A
Rewards points per $ spent	1
Rewards points cap	Uncapped

Annual fee	$99
Minimum monthly repayment	2.5% of the closing balance or $30, whichever is greater
Late payment fee	$30
Foreign currency conversion fee	3%

Go to American Express's site More info

Review by

Amy Bradney-George

amy.bradney-george@finder.com

Amy has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. She is also the editorial lead for Finder Green, covering sustainability across different industries. Her work has appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy also has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The David Jones American Express credit card offers points for 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. The current $200 credit offer sweetens the deal and lets you get more value from your spending by basically giving you cash back on your account if you are a new cardholder and meet the minimum spend requirements.

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.

Residency. You must be an Australian citizen, permanent resident or holder of a current long term visa (12 months or more, not including student visas) to be eligible to apply.
Age. You must be at least 18 years old to apply.
Credit history. You must not have a history of bad debt or payment defaults. If you don't know your credit score or what's on your file, you can get a free copy of your credit report through Finder.

Required documents

Personal details. This includes your full name, residential address, email address, date of birth, driver's licence number, marital status, number of dependants and contact number.
Employment details. This covers your income, current employment status, job title and employer's contact details. You may need to provide recent payslips, your latest tax return or your accountant's contact details (particularly if you're self-employed).
Financial details. You'll need to share details of your savings or any other assets and investments as well as your existing loans, cards or other debts. You will also need to estimate your regular household spending on essentials such as groceries and bills.
Frequent flyer number. If you want to earn Qantas Points with this card, you'll need to select that option during the application and then provide your Qantas Frequent Flyer number. Not a member yet? Check out this guide to find out how you can join for free.

Go to Amex's site More info

Card benefits

$200 credit. Get $200 back when you apply as a new Amex cardholder by 13 July 2022 and spend $1,500 or more on eligible purchases within the first 3 months from card approval. The $200 will be credited to your account within 8 to 10 weeks of meeting the spend requirement.
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.

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.
In-store David Jones benefits. When you pay with your card in-store at David Jones, you can take advantage of complimentary gift-wrapping. You can also get up to 1 year interest-free when you spend a minimum of $500 on your card in one transaction, or up to 5 years interest-free when you spend a minimum of $1,000 on your card in one transaction. These interest-free options require no deposit and are available across all departments, in-store or online, at David Jones. You can also take advantage of the 3 Months Pay Later Option, which allows you to get what you want and defer payments for 3 months when you spend $50 or more on your card in one transaction, across all departments at David Jones (in-store and online).
Online David Jones benefits. When you're shopping online at davidjones.com.au, you can enjoy complimentary gift-wrapping and complimentary standard delivery on most purchases when you pay with this card.
Contactless mobile payments. You can use this card to make contactless payments using your compatible smart device with Apple Pay, Samsung Pay and Google Pay integration.

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.

Interest rate. Outside of any promotions, this card charges an interest rate of 20.74% p.a.
Interest-free days. If you pay your balance in full each statement period, you can look forward to up to 44 interest-free days on purchases.

Go to Amex's site More info

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50 Comments

Angela
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?

Reply
- Ash
  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.
  
  Cheers,
  Ash
  
  Reply
Tanvir
May 2, 2018

Can I use points to pay for the annual fee?

Reply
- finder Customer Care
  
  Jhez
  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.
  
  Regards,
  Jhezelyn
  
  Reply
Heritage
February 18, 2018

It’s a white.David jones card from Heritage

Reply
- finder Customer Care
  
  Jonathan
  March 7, 2018
  
  Hi Heritage David Jones,
  
  Can you please clarify what help you need with your David Jones card?
  
  Best,
  
  Jonathan
  
  Reply
Piotr
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?

Reply
- finder Customer Care
  
  Jason
  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,
  Jason
  
  Reply
Jul
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?

Thanks

Reply
- finder Customer Care
  
  Dee
  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.
  
  Cheers,
  Anndy
  
  Reply

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