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Store Credit Cards

From David Jones and Myer to Coles and Woolworths, compare store credit cards and get more benefits based on where you shop.

Store credit cards offer you rewards for shopping with a particular store or brand, with benefits ranging from points per $1 spent to discounts on your shopping, free shipping and VIP events. Use this guide to compare store credit cards and learn more about the different features available. We also go through the key factors to consider so you can decide if this type of card is right for you.

Store Credit Card Comparison

Rates last updated July 20th, 2018
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
David Jones American Express
20,000 bonus points
Membership Rewards


1
20.74% p.a.
$99 p.a.
Not just for David Jones shoppers, receive 20,000 bonus Membership Rewards points or 15,000 Qantas Points. Plus, uncapped points potential.
NAB Rewards Classic Card
30,000 bonus points
NAB Rewards


0.75
19.99% p.a.
$95 p.a.
Get 30,000 bonus points when you meet the spend requirement, 0.75 NAB Rewards Points per $1 spent and a 0% p.a. balance transfer offer.
David Jones American Express Platinum Card
40,000 bonus points
Membership Rewards


1
20.74% p.a.
$295 p.a.
For DJ's shoppers or Qantas travellers, receive 40,000 bonus Membership Rewards points or 30,000 Qantas Points with uncapped points potential.
NAB Rewards Platinum Card
60,000 bonus points
NAB Rewards


1
19.99% p.a.
$195 p.a.
Collect 60,000 bonus points when you spend $2,500 within 60 days of account opening. Plus, receive complimentary travel and purchase insurances.
David Jones American Express Platinum Card - Qantas Frequent Flyer
30,000 bonus points
Qantas Frequent Flyer


0.75
20.74% p.a.
$295 p.a.
Fly faster with up to 3 Qantas Points per $1 spent and receive complimentary travel insurance when travel is booked on your card.
NAB Rewards Business Signature Card
100,000 bonus points
NAB Rewards


1.25
18.50% p.a.
$175 p.a.
Earn 100,000 bonus points when you spend $5,000 on everyday business purchases in the first 60 days of account opening.

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How do store cards work?

These cards offer benefits when you shop with a particular brand or in a specific type of store. For example, you could earn a higher rate of points per $1 for spending with an associated store, or enjoy complimentary shipping, exclusive sales and long interest-free offers.

What stores have store cards?

You can get credit cards for the following stores, brands or retail loyalty programs:

  • Coles
  • David Jones
  • Myer
  • Woolworths

As well as these options, there are some credit cards that offer benefits with particular types of stores and brands. For example, NAB Rewards credit cards offer higher amounts of points for spending with Webjet and at major department stores (as well as for overseas spending). Similarly, the CommBank Awards program allows you to earn bonus points when you shop with Bonus partners. If you have an American Express CommBank Awards card, you can also earn more points for spending with Higher Points Merchants, including BP service stations, Coles, David Jones, IGA, Myer and Woolworths.

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What benefits can I get with a store card?

Store credit cards usually offer a range of perks you can enjoy when you shop with the brand, or elsewhere. These features vary between cards but often include:

  • Reward points. Most store cards in Australia offer points per $1 spent on eligible purchases. Generally, you’ll earn the highest amount of points for spending with the store and a lower amount for spending everywhere else.
  • VIP offers. Some store cards give you access to exclusive events, offers and sales. The David Jones American Express, for example, offers card member shopping events, Instant Rewards such as savings or gifts for specific purchases, and complimentary gift wrapping for purchases made in-store or online with David Jones.
  • Shopping discounts. You can often get savings on your shopping with the store or associated brands when you use a store card to pay for purchases. For example, with a Woolworths credit card you can get 10% off your first shop in-store or online at Woolworths on a selected weekend each month by scanning the barcode on the back of your credit card and paying with it. David Jones and Myer credit cards may also offer member discounts at various times throughout the year.
  • Complimentary delivery. If you shop online, you could enjoy complimentary delivery options with the brand that’s linked to your store card. For instance, Coles credit cards offer free delivery when you spend over $100 at Coles Online and the David Jones American Express Platinum offers complimentary priority delivery for eligible items purchased in store at David Jones.
  • Flexible payment plans. Store cards may also offer you different payment options for purchases you make with the linked brand. Currently, David Jones store cards offer this type of benefit, with some options including:
    • Up to 4 years interest-free when you spend $500 or more on homewares, furniture, bedding or electrical items.
    • Fashion Pay Later for up to 3 months when you spend $250 or more on your card on any women's or men's apparel, shoes and fashion accessories in-store at David Jones.
  • Other benefits. Depending on the store card you choose, you could also enjoy perks such as complimentary travel insurance, purchase insurance and airport lounge access.

Can I use my store card for other spending?

Most store cards in Australia are Visa, Mastercard or American Express options that can be used for spending anywhere these cards are accepted. However, there are some store cards that you can only use with the associated store. For example, you can only use the David Jones Storecard at David Jones, while a David Jones American Express card lets you make payments anywhere American Express is accepted.

Compare these store cards trending now

Check out the rewards, benefits and annual fees available on these popular store credit cards:

CardEarn rateOther benefitsAnnual fee
David Jones American Express Platinum Card4 points per $1 spent at David Jones
3 points per $1 spent at major supermarkets and petrol stations
1 point per $1 spent everywhere else
  • Complimentary priority delivery options
  • Exclusive VIP invitations to special in-store events
  • Complimentary gift-wrapping
  • Deferred payment, pay later and interest-free payment options for David Jones purchases
  • Complimentary insurance covers
  • Complimentary access to the American Express Lounge at Sydney International Airport
$295
David Jones American Express Platinum Card - Qantas Frequent Flyer3 points per $1 spent at David Jones

2.25 Qantas Points per $1 spent at major supermarkets and petrol stations
0.75 Qantas Points per $1 spent everywhere else

  • All the same benefits as the David Jones American Express Platinum card
  • Note that Qantas Points are automatically converted from the Reward Points you earn
$295
Myer Credit Card3 MYER one shopping credits per $1 spent on eligible purchases at Myer
Up to 3 MYER one shopping credits per $1 on eligible purchases with MYER one affiliates
1 MYER one shopping credit per $1 spent on eligible purchases everywhere else
  • Doubles as your MYER one loyalty card
  • 2,000 shopping credits convert to a $20 MYER one Rewards Card, with points automatically converted in each Program Quarter
  • Compatible with Google Pay and Apple Pay
  • All the benefits of MYER one membership, including invitations to exclusive events and special member offers
$0 p.a. annual fee for the first year ($69 p.a. thereafter)
Coles Platinum Rewards Mastercard2 flybuys points per $1 spent on eligible purchases
  • Doubles as your flybuys rewards card
  • Free delivery for Coles Online orders over $100
  • No international transaction fees
  • Mobile payment options
  • 24/7 concierge service
  • Merchandise protection insurance
$99
Woolworths Qantas Platinum Credit Card1 Qantas Point per $1 spent on eligible purchases up to $99,999 per statement period
0.5 Qantas Points per $1 spent above $99,999 per statement period
1 additional Qantas Point per $1 spent on selected Qantas products and services
  • Doubles as your Woolworths Rewards membership card
  • 10% off your first shop in-store or online at Woolworths on a selected weekend each month when you scan the barcode on the back of your credit card and pay with your Woolworths Credit Card (Excludes Tasmanian stores; Maximum purchase amount of $500)
  • 50% off selected wine cases at Cellarmasters
  • Up to 10% off Woolworths Insurance
  • Complimentary insurance covers, including travel insurance
$99 p.a. annual fee for the first year ($169 p.a. thereafter)

How to compare store credit cards

As well as comparing the benefits of a store card, make sure you consider the following features so you can find one that suits your needs:

  • Acceptance. Make sure the card is an American Express, Mastercard or Visa option if you want to be able to use it outside the associated store.
  • Annual fee. Most store credit cards in Australia have an annual fee, which could be as low as $69 or as high as $295 depending on the card.
  • Interest rates. Store credit card interest rates typically range from 19.99% p.a. to 20.74% p.a. (variable) for purchases but could be higher for cash advances.
  • Payment plan rates and fees. If your store card offers long-term payment plans for in-store purchases, make sure you check for establishment and maintenance fees. For example, the interest-free instalment payment options available with a David Jones card may attract an establishment fee and a monthly account-keeping fee. There are also interest rates that may apply if you don’t pay the balance off by the end of the payment plan period.
  • Balance transfer. If you have existing card debt you’d like to transfer to a new store credit card, you may be able to get a promotional 0% interest rate if you request the transfer at the time of your application. Just remember to check the standard rate that will apply to the debt if you don’t pay it off during the introductory period.

Other credit cards with in-store benefits

While not technically store cards, some credit cards offer interest-free payment plans with a selection of store partners. This includes all HSBC credit cards, as well as the Latitude GO Mastercard and Gem Visa. You can also get interest-free payment plans for purchases made a wide range of stores with an HSBC credit card.

What you need to know about in-store finance on a credit card

Store credit cards can help you get more benefits when you regularly shop with a particular brand or store. Just remember to look at all the features and fees of the card, then compare a range of options so that you can find one that suits your needs.

Frequently Asked Questions

If you want to know more about store cards, here you’ll find answers to some of the most common questions about them. If you have another question, you can also get in touch with us using the comment box below.

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Credit Card Offers

Important Information*
Citi Clear Platinum - Exclusive Offer
Citi Clear Platinum - Exclusive Offer

Interest rate

14.99

Annual fee

99
Qantas Premier Everyday
Qantas Premier Everyday

Interest rate

19.99

Annual fee

49

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Credit Cards Comparison

Rates last updated July 20th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Citi Clear Platinum - Exclusive Offer
14.99% p.a.
0% p.a. for 24 months with 1.5% balance transfer fee
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
finder Exclusive: Receive 0% p.a. for 24 months on balance transfers and a discounted annual fee in the first year. Plus, access to Citi World Privileges.
American Express Westpac Altitude Platinum Bundle - Exclusive Offer
20.24% p.a.
$0 p.a. annual fee for the first year ($199 p.a. thereafter)
$0 first year annual fee & up to 90,000 bonus Altitude Pts when you meet T&C with this Visa (issued by Westpac) & Amex (issued & serviced by Amex).
NAB Low Fee Platinum Card - Exclusive Amazon Offer
19.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$90 p.a.
finder Exclusive: 10% cashback with amazon.com.au for 12 months (capped at $25 per month). Plus, 0% p.a. on balance transfers for 24 months.
Qantas Premier Everyday
19.99% p.a.
4.9% p.a. for 24 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Take advantage of up to 40,000 bonus Qantas Points, a $0 first year annual fee plus complimentary overseas travel insurance.

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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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