The David Jones American Express Platinum Card – Rates and Fees

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David Jones shoppers can benefit from bonus rewards points, in-store benefits and interest-free days with the David Jones American Express Platinum.

When it comes to spending points on the David Jones American Express Platinum Card, you can do so either through the Membership Rewards program or the Qantas Frequent Flyer program. Depending on the program you choose, you can enjoy 40,000 bonus Membership Reward Points or 30,000 bonus Qantas Points when you join.

To get these bonus points, all you have to do is use your card anywhere other than David Jones three times in the first month. You can get up to 4 additional cards without having to pay an additional fee.

Product NameDavid Jones American Express Platinum Card
Rewards ProgramMembership Rewards
Purchase rate (p.a.)20.74% p.a.
Annual fee$295 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
Minimum Monthly Repayment2.5% or $30, whichever is greater
Minimum Income$65,000
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 InsuranceYes
Available To Temporary ResidentsYes - Conditions apply
Joint ApplicationNo
Minimum Income$65,000
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
Annual Fee$295 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 p.a.
Number of Additional Cardholders4
BPAYYes
ChequeYes
Direct DebitYes
Australia PostYes
Phone BankingNo
Internet Banking TransfersYes
In BranchYes
MailNo

Pros

  • Receive 40,000 Membership Rewards points when you spend outside of David Jones three times in the first month.
  • Earn up to 4 Membership Rewards points per $1 spent.
  • This card comes with extended warranty and complimentary travel insurances.
  • Request up to 4 additional cardholders at no extra cost.

Cons

  • There are only up to 44 days interest-free on purchases, as opposed to most cards with 55 days.
  • This credit card does not currently offer any introductory rates on purchases and balance transfers.
Rewards ProgramMembership Rewards
Bonus Points on Sign-up40,000
Rewards Points per $ (AMEX)1
Rewards Points per $ (AMEX) CapUncapped
Points ExpiryNever

David Jones American Express Platinum Card review

Your card is contactless, PIN, and chip-enabled, offering convenience coupled with security. You can access your account online from anywhere and you can also use the services of the American Express contact centre. If you lose your card or if someone steals it, you can benefit from emergency card replacement.

You can also take advantage of 44 interest-free days on purchases, but this requires paying your balance off in full each billing cycle.

Benefits of using a David Jones American Express Platinum

  • Complimentary insurances. When you use this card to book tickets for flights you will receive complimentary travel insurance. This covers emergency medical expenses, personal liability, travel cancellation, as well as loss of money, documents, and baggage. Buyers Advantage extends manufacturer warranty on eligible items that you pay for using this card.
  • Fraud and purchase protection. If you contact American Express as soon as you find out about unauthorised transactions, you will not be held responsible for making payments for the same. Purchase protection helps if you lose, damage, or break an item you purchase using this card within 90 days.
  • Rewards program. Shopping at David Jones earns 4 rewards points for every dollar spent. When spending at major petrol stations and supermarkets, you’ll earn 3 reward points for every dollar you spend. All other transactions earn you 1 reward point for every dollar spent. In terms of the two rewards programs, 1 Reward Point translates to 0.75 Qantas Points, depending on which way you wish to go to redeem them.
  • Airline lounge passes. You'll receive two complimentary entries to the American Express Lounge at Sydney International Airport per year.
  • Digital wallets. If you have an eligible smartphone, you can use your David Jones Amex Platinum card to make contactless payments using your smartphone courtesy of Apple Pay, Samsung Pay or Android Pay.

Features of the David Jones American Express Platinum Card

  • Redeeming points. Redeeming accumulated Rewards Points through Membership Rewards gives you the option to receive gift cards, shop online, and turn points into credit in your account. You can also use these points to redeem movie and concert tickets, travel rewards, or choose from frequent flyer programs from nine different airline partners. If you want to redeem your points through the Qantas Frequent Flyer program, you can look forward to Awards flights and flight upgrades. You can also shop for gift cards and merchandise through the online Qantas store.
  • Transfer reward points into frequent flyer points. With the David Jones American Express Platinum Card you can transfer points into David Jones current partners, this includes: British Airways, Cathay Pacific, Delta Air Lines, Etihad Airways, Emirates, Japan Airlines, LAN Airlines, Malaysia Airlines, Singapore Airlines, South African Airways, United and Virgin Australia.
  • In-store benefits. Expect complimentary priority delivery of items you buy in-store to your doorstep on the next business day, and alterations on all apparel for men and women that you buy in-store are free. Cardholders get exclusive invites to special VIP events like the Season Launch Fashion Parades, and if you're buying a gift you can enjoy complimentary gift wrapping. A unique Christmas-deferred payment option gives you the ability to delay payments for purchases made between 1 November and 24 December until the following February.
  • Interest-free period. You can get up to 44 interest-free days on purchases, but this depends on when you make the purchase as well as your billing date. In addition, you will not receive interest-free days if you have a carry-over balance from the previous statement period, and cash advances don't qualify for interest-free days.
  • Fees. This card attracts an annual fee of $295. Other fees and charges can apply from time to time.
  • Additional cardholders. Receive up to 4 additional cardholders for $0 each.
  • Buyers advantage. Allows you to extend the manufacturer's warranty for up to 12 months on eligible purchases
  • Complimentary travel insurance. Covers categories such as:
    • Medical emergency expenses cover (excess of $250 per claim)
    • Baggage, money and documents cover (excess of $250 per claim)
    • Personal liability cover (excess of $50 per claim)
    • Travel cancellation cover (excess of $250 per claim)
  • Complimentary Starwood membership. Receive free enrolment into the Starwood Preferred Guest program and transfer 1 Membership Reward points for 0.5 Starpoints.

American Express complimentary travel insurance policy

How to apply for the David Jones American Express Platinum Card

You can initiate the application process for the David Jones American Express Platinum Card online by clicking ‘Go to site’. An online application takes around 10-15 minutes to complete. To apply, you should meet certain eligibility criteria, which include the following:

Eligibility criteria

  • You're over 18 years old.
  • You're an Australian citizen, or a permanent Australian resident, or are here on a subclass 457 – Business Long Stay Visa.
  • Your annual pre-tax gross income is at least $65,000 p.a.

Required documents

To complete the application you have to submit various personal, work-related, and financial information, which can include the following:

  • Your name, phone number, email address, and mailing address
  • Your employer's name and contact details
  • Details about your annual income from all sources
  • Details about loans or other credit cards you might have

While this credit card is an option for people who enjoy shopping at David Jones, know that you've got a few other options from which to choose, so make sure you compare them before making your decision.

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8 Responses

  1. Default Gravatar
    CatJanuary 27, 2017

    If I pay now for an international flight due in April, will the complimentary travel insurance cover the whole period?

    Thanks

    • Staff
      JasonJanuary 28, 2017Staff

      Hi Cat,

      Thank you for your enquiry.

      The coverage starts on the day your travel begins, as outlined on your travel booking. It ends either when you return or when your travel exceeds the maximum number of days outlined in the insurance policy, whichever happens first. The American Express complimentary travel insurance is available for forty five (45) consecutive days or when you have traveled a total of one hundred and eighty three (183) days during each year of Your David Jones American Express Platinum Card Account membership.

      Each domestic or international trip must commence and end in Australia.

      Please check out this link for more information about American Express complimentary travel insurance.

      Kind regards,
      Jason

  2. Default Gravatar
    DaleNovember 7, 2016

    can I do cash advances from my David Jones American Express Platinum credit card?

    • Staff
      AnndyNovember 7, 2016Staff

      Hi Dale,

      Thanks for your question.

      Unfortunately, cash advance is not offered on The David Jones American Express Platinum Card.

      Cheers,
      Anndy

  3. Default Gravatar
    swervieSeptember 6, 2014

    Why cant we get cash out on our credit card

    • Staff
      ShirleySeptember 8, 2014Staff

      Hi Swervie,

      Thanks for your question.

      It could be for a range of reasons;
      - You’ve reached your credit limit
      - The ATM doesn’t display the same symbol as the one on your card
      - You need to press ‘credit’ at the ATM.

      If the problem still persists, please get in touch with Amex to troubleshoot the problem.

      Cheers,
      Shirley

  4. Default Gravatar
    ToniMay 27, 2013

    Hi, I have a David Jones American Express Credit card. How can I get frequent flyer points from it?

    • Staff
      JacobMay 27, 2013Staff

      Hi Tony. The FAQ section of the David Jones Website said to change your reward program preference to the Qantas Frequent Flyer Program – you need to call the Customer Service Centre to do this. You can’t redeem any of your existing David Jones Points to Qantas Points it will only affect future points earning. Any remaining Membership Rewards must be used within 30 days or they’ll expire. Check the American Express Membership Rewards on what you can redeem your points for. Make sure to ask the person you speak to about any restrictions on how many points you can transfer at a time. Jacob.

Credit Cards Comparison

Rates last updated October 19th, 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.
Exclusive to finder.com.au and available until 12 November 2017, enjoy a no BT fee, long-term balance transfer offer and complimentary insurances.
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.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months with no balance transfer fee.
ME frank Credit Card
11.99% p.a.
$0 p.a.
Available in black or white, this no-fuss credit card offers the same rate on purchases and cash advances, plus card lock technology.

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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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