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Purchase rate for the first 6 months (reverts to 23.99%): 0% p.a.
Reward point per $ spent: 1
Annual fee: $295 p.a.
Interest-free on purchases: Up to 55 days

Our verdict

Earn up to 4 David Jones Rewards Points per $1 spent and get exclusive shopping perks.

The David Jones Prestige Credit Card is a rewards credit card aimed at bigger spenders who do a lot of shopping at David Jones. The card lets you earn points on all your eligible spending, along with premium benefits at David Jones. Right now, this card offers 0% p.a. on interest rate on purchases for the first 6 months, which reverts to 23.99% p.a. thereafter.

Some of the card's perks include complimentary gift wrapping, free in-store alterations, and exclusive invitations to events and previews. Outside of David Jones, the card also provides complimentary travel insurance, Priority Pass lounge access, and access to a personal styling suite.

Pros

0% p.a. on purchases for 6 months
Up to 4 points per $1 on eligible spend
10% off on selected hotels with Expedia and Wotif via the Latitude App

Cons

The $295 annual fee and the 23.99% p.a. purchase rate are relatively high.
The minimum credit limit is $6,000.

Details

Product details

Product Name	David Jones Prestige Credit Card
Purchase rate p.a.	Purchase rate p.a.0% for 6 months, then 23.99%
Interest-free days	Up to 55 days on purchases
Cash advance rate p.a.	24.99%
Min credit limit	$6,000
Card type	Mastercard

Eligibility

Available to temporary residents

Yes - Conditions apply

Rewards

Rewards program	David Jones Rewards
Bonus points	N/A
Rewards points per $ spent	1

Fees

Annual fee	$295
Minimum monthly repayment	3% of the closing balance or $30, whichever is greater
Late payment fee	$35
Foreign currency conversion fee	3%
Cash advance fee	3% of transaction value or $3, whichever is greater
Additional cardholder fee	$0
Number of additional cardholders	1

How to apply

You can apply for the David Jones Prestige Credit Card online by filling in a secure application form. Before you begin, ensure you meet the eligibility criteria and have all the necessary documents and details for the application.

Eligibility criteria

Residency: You must be a resident of Australia or a temporary resident legally authorized to work in Australia, with plans to stay for at least the next 12 months.
Age. You must be at least 18 years old to apply.

Credit history. You must have no history of bad debt or payment defaults. If you're unsure of 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, contact information, and proof of your identity, such as your Australian driver's licence, Medicare card, or passport.
Financial details: This includes information about your income, savings, assets, investments, and any existing loans, credit cards, or other debts. You will also be asked to estimate your regular household spending on essentials.

Card benefits

Points per $1 spent. Earn 4 points per $1 spent at David Jones, 3 points per $1 spent at participating supermarkets and petrol stations, and 1 point per $1 spent on all other eligible purchases.
Purchase rate offer. Apply and get approved by 31 January 2026 to enjoy 0% p.a. interest on purchases for the first 6 months. After the introductory period, any remaining balance will attract the variable purchase rate of 23.99% p.a.

David Jones benefits. Use this card when shopping at David Jones and enjoy exclusive perks, including complimentary gift wrapping, in-store alterations, and priority delivery for items purchased at David Jones. You will also receive exclusive invitations to special events and previews.
Hotel benefits. Save 6% on selected accommodation and enjoy a 10% discount at select hotels via Expedia and Wotif through the Latitude App.
Airport lounge access. This card provides two complimentary Priority Pass lounge access visits per year.
Complimentary travel insurance. When you use this card to book flight tickets, you will receive complimentary travel insurance. This covers travel accidents, overseas medical expenses, personal liability, and baggage protection.
Purchase protection. This card also provides access to purchase protection insurance, covering you against loss due to accidental damage or theft, including gifts and online purchases, within 180 days of the purchase date.
Mobile wallets. You can link your David Jones Prestige credit card to Samsung Pay, Apple Pay, Google Pay, or Garmin Pay for contactless payments using your compatible device at checkout.

Rates & fees

Annual fee. The David Jones Prestige Credit Card charges a $295 annual fee.
Purchase rate. Outside of any promotions, this card charges an interest rate of 23.99% p.a. on purchases.

Cash advance rate. The cash advance rate for this card is 24.99% p.a.
Interest-free period. Get up to 55 days interest-free on everyday purchases if you pay your closing balance in full.
Minimum credit limit. The minimum credit limit on this card is $6,000.
Additional cardholder. You can request an additional cardholder for free, provided they are at least 16 years of age.
International transaction fee. A 3% fee applies to every transaction made overseas or online in a foreign currency.

Sources

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. David Jones Prestige Credit Card information PDF

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Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full profile

David Jones Prestige Card

Pros

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Eligibility criteria

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Rates & fees

Sources

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