David Jones Credit Card

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  • Clicking Go to site will take you to your Online Application on the bank's website. You do not need to be an existing customer of this bank to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • Once approved, you will typically receive your credit card within 1-2 weeks
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The David Jones credit card has unique programs for their cardholders that are unlike any other offers available from other cards. Find out what these offers are by taking a look at this article.

Every time you use the David Jones credit card, it is like you are taking out a loan. Card issuers expect a minimum amount to be paid every month by the specified due date. You will not be charged interest if you pay off your balances on time and in full every month, but if you are unable to do so then interest charges on balances will usually accrue.

Product NameDavid Jones American Express
Rewards ProgramMembership Rewards
Purchase rate (p.a.)20.74% p.a.
Annual fee$99 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
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$30,000
Minimum Monthly Repayment2.5% or $30, whichever is greater
Minimum Income$40,000
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 InsuranceNo
Available To Temporary ResidentsYes - Conditions apply
Joint ApplicationNo
Minimum Income$40,000
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
Max Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$30,000
Annual Fee$99 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 for the first year, then $29 p.a. p.a.
BPAYYes
ChequeYes
Direct DebitYes
Australia PostYes
Phone BankingNo
Internet Banking TransfersYes
In BranchYes
MailNo

Pros

  • 20,000 bonus Membership Rewards points when you spend 3 times outside David Jones in the first month
  • High points earn rates of 3 points per $1 at major supermarkets and petrol stations, 2 per $1 at David Jones and 1 per $1 spent elsewhere
  • Flexible payment options, complimentary standard delivery and access to exclusive David Jones perks

Cons

  • There is no balance transfer feature offered with this card.
  • At the end of the interest-free period, the relatively high 20.74% p.a. interest rate applies.
  • There are only 44 days interest-free on purchases for this card, as opposed to most cards with 55 days.
Rewards ProgramMembership Rewards
Bonus Points on Sign-up20,000
Rewards Points per $ (AMEX)1
Rewards Points per $ (AMEX) CapUncapped
Points ExpiryNever

David Jones credit card review

Credit plan

David Jones Credit Card holders may be offered a credit option with interest-free instalments or a promotion with deferred payments for any purchases made at a David Jones store.

When it is made available, a cardholder can choose a promotion or credit plan that will be applied to a purchase. The following specifications will be made:

  • The conditions of the promotion, such as which departments are eligible and whether there is a requirement for a minimum deposit.
  • How long the deferred payment promotion or the credit option with an interest-free instalment will be available.
  • The features of the promotion with deferred payments, or the credit option with interest-free instalments, will be outlined.

Credit options with interest-free instalments

Once this option is offered, the number of months for the instalment credit option will be specified by David Jones. It may be a 12 or 12 month option for example. You will not be charged any interest as long as you pay at least a monthly payment along with your monthly instalments that are in line with your credit card statement.

The purchase is divided into equal instalments that are paid monthly. The number of months will be the same as the number of months specified in the credit option. A credit plan instalment is added to your minimum payment and standard plan balance for each month specified.

The first instalment is included in the account statement for the time period that includes the purchase date.

Promotions for deferred payments

When you use your David Jones credit card at David Jones you can make use of the available deferred payment promotion.

There are two different types of promotions for deferred payments offered by David Jones, and they include the Christmas Deferred Payment Option and the Fashion Pay Later Option. They last for the specified number of months from the date of purchase.

When you make a purchase of $500 or more on women's and men's clothing at David Jones, and use your David Jones credit card, you will be given a three-month deferred payment period.

The Christmas Deferred Payment Option allows you to put off paying your Christmas spending balance until February of the following year. This is valid on any purchases made between November 1 and December 24, which gives you a great chance to make your purchases without having to worry about paying them back in January.

Payment arrangements

Anybody can have a financial emergency happen in their lives and the David Jones credit card company understands this. Stay in contact with the David Jones company and they will tell you about all of your options for payment arrangements.

The David Jones credit card offers these unique programs to help regular cardholders maintain control of their finances, while still shopping as they normally would. It is a good idea to check them out to see what they can do for you.

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4 Responses

  1. Default Gravatar
    DonnaNovember 10, 2011

    how do I obtain a balance on my david jones card online.

    • Staff
      JacobAugust 20, 2012Staff

      Hi Donna. Thanks for your question. Please check David Jones Online to manage your card online.

  2. Default Gravatar
    AnnaJuly 26, 2011

    Hi, I used to be a card holder for David Johes Credit Card. But I already cancelled my credit card in Apr or May 2011. Could I still can apply it again and entitle for 30,000 bonus points? Please let me know. Thanks,Anna

    • Staff
      JeremyAugust 2, 2011Staff

      Hi Anna

      Thanks for your question

      It is probably best that you direct this question to the David Jones customer service team to be safe.

      The terms and conditions state the following:

      “The 30,000 Bonus Membership Reward points or 22,500 Qantas Points is available to approved Cardmembers who spend outside of David Jones three times within the first month of receiving their new David Jones American Express Card. Approval is subject to American Express lending criteria. Offer not available to existing David Jones American Express Cardmembers or customers applying for the David Jones American Express Staff Card.”

      Cheers

      Jeremy

Credit Cards Comparison

Rates last updated October 20th, 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.

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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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