David Jones Credit Cards
Earn Membership Rewards or Qantas Points on your everyday spending and get exclusive in-store benefits at David Jones.
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A David Jones credit card gives you a way to earn points on your everyday spending – not just in the department store but anywhere American Express is accepted. You also get access to exclusive David Jones benefits when you shop online or in-store, including complimentary delivery and interest-free finance options. Here, you can get key details about these cards and compare your options to decide if a David Jones credit card is right for you.
Comparison of David Jones Credit Cards
Types of credit cards from David Jones
You can choose between two David Jones American Express credit cards, each with different features and benefits.
Rewards credit card
Both David Jones credit cards earn rewards. The key difference is the extra perks that come with the platinum card, which we cover in more detail below. So for the purpose of comparing these cards, let's look at the David Jones American Express credit card for this section. This card earns between 1 and 3 points per $1 spent through the Membership Rewards program or between 0.5 and 1.5 Qantas Points per $1 spent for your frequent flyer account. If you choose Membership Rewards, you can also use your card to shop with points online at davidjones.com. As well as points, this card gives you a range of David Jones benefits including complimentary gift-wrapping, complimentary standard delivery for online purchases and interest-free payment options.
This card has a competitive annual fee of $99 and a standard purchase rate of 20.74% p.a. (variable). It also gives you the option of adding supplementary cardholders for $0 for the first year, then $29 p.a. thereafter and offers up to 44 days interest-free.
Platinum credit card
The David Jones American Express Platinum card earns between 1 and 4 Membership Rewards points per $1 spent, or between 0.5 and 2 Qantas Points per $1 spent, and also has no points cap or expiry. As well as the benefits offered on the classic David Jones American Express card, the Platinum card offers additional complimentary extras including priority booking for the David Jones Personal Shopping Suite, complimentary alterations on in-store clothing purchases, exclusive VIP events, complimentary travel insurance and American Express airport lounge access.
This card has an annual fee of $295, a standard purchase rate of 20.74% p.a. and provides up to 4 additional cardholders with no extra charge.
The benefits of a David Jones credit card
Some of the features you can look forward to with a David Jones credit card include:
American Express Membership Rewards
Choose to earn Membership Rewards with the David Jones American Express or David Jones American Express Platinum cards and you can redeem them for a variety of rewards including gift cards, cash back on your account, shopping at David Jones online, travel packages and points with partnered frequent flyer programs.
Qantas Frequent Flyer rewards
Choose to have your reward points automatically converted to Qantas Points for your frequent flyer account. When you're comparing these cards, keep in mind that both David Jones American Express cards offer 0.5 Qantas Points for every reward point earned (e.g. 1 reward point per $1 spent equals 0.5 Qantas Points per $1). The amount of Qantas Points you've earned are automatically credited to your Qantas Frequent Flyer account each month, usually within 48 hours of when your card's statement is issued.
Platinum travel perks
The platinum David Jones credit card gives you access to complimentary international travel insurance and entry to the American Express Lounges at Melbourne and Sydney international airport, with up to two visits per year.
Complimentary insurance for purchases
Both David Jones American Express credit cards offer purchase protection insurance against theft or damage for up to 90 days when you buy eligible items with your card. The David Jones American Express Platinum also offers refund protection insurance (if you're having trouble getting a refund within 90 days of buying an item with your card) and buyer's advantage insurance (which extends the manufacturer's warranty for up to 12 months on eligible items).
David Jones benefits
Shop online with a David Jones credit card and you can get complimentary standard delivery to any address in Australia. This covers most purchases made at davidjones.com but excludes gift cards, hampers and fresh food, large items and purchases made through Wine Club or Gift Registry. If you have a platinum card, you can also get complimentary priority delivery when you shop in-store at David Jones, as long as your item/s weigh less than 25kg and have dimensions no larger than 1m x 1m x 1.5m.
Other benefits include complimentary gift-wrapping for online and in-store purchases and VIP event invitations (including seasonal presale access).
Interest-free purchase options
These cards allow you to get up to 1 year interest-free with no deposit when you spend at least $500 on your card in 1 transaction at David Jones. Or, get up to 5 years interest-free when you spend at least $1,000 on your card, in store or online, across all departments. You can also take advantage of the 3 Months Pay Later option, which allows you to defer payment for up to 3 months when you spend at least $50 in one transaction at David Jones.
Earn more points by getting an additional credit card for your partner or family member. Just remember to check for fees for this service and discuss repayments with the additional cardholder before you apply.
The David Jones American Express credit cards come with 24/7 fraud monitoring to protect you against any unauthorised transactions.
How to apply for a David Jones credit card
If you’d like to apply for a David Jones credit card, you can fill in a secure application form online in around 10 minutes. To get started, there are some standard eligibility requirements you’ll have to meet, as well as documents and details you should have on hand to complete the application. These vary between cards and include:
- Age. You must be at least 18 years of age to apply for a David Jones credit card.
- Income. The David Jones American Express credit card has a minimum income requirement of $40,000 and the Platinum card requires you to earn at least $65,000 per annum.
- Residency status. Australian citizens, permanent residents and some temporary residents can apply for either the standard or the Platinum David Jones American Express card. Keep in mind there may be additional requirements for temporary residents.
- Credit rating. You must have a good credit rating to apply for a David Jones credit card.
Documents and details
- Personal information. This includes your full name, date of birth, contact details, residential address and a valid form of ID, such as your driver's licence.
- Employment details. As well as your yearly salary before tax, you should include details of your current work status, length of employment and your employer's contact details. You can also provide your accountant's contact details if you're self-employed or have a few different sources of income.
- Financial details. This covers any other forms of income and assets such as savings or shares. You also need to include details of any existing debts, loans or other liabilities, as well as an estimate of your share of household expenses (e.g. rent, mortgage payments, groceries, bills).
Once you've submitted your complete application, American Express will provide an initial response within 60 seconds. If you have any questions about the application, you can call the American Express team on 1300 557 743.
Frequently asked questions
If you want to know more about David Jones credit cards, here are answers to some of the most common questions we get about these cards. You can also get in touch with us by leaving a question using the form at the bottom of the page.
Are you a regular David Jones Shopper?David Jones credit cards allow you to earn rewards points when you shop online or in-store. If you are a regular David Jones shopper, find yourself the latest offers and coupon deals from David Jones with finder.com.au, and you could save while earning points.
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