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These cards offer benefits when you shop with a particular brand or retailer. 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.
Right now, you can get credit cards for the following stores, brands or retail loyalty programs:
The department store Myer also has a credit card linked to its Myer One credit card program. But it's not currently taking new applications "in light of the current level of financial uncertainty many borrowers are facing" around the economy and the coronavirus pandemic.
There are also 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. You can also redeem CommBank Awards points for shopping at Myer or travel booked through Flight Centre.
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:
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.
To give you an idea of the potential value you can get from a store credit card, the table below includes details of reward point earn rates, other benefits and annual fees offered on a range of store cards you can get in Australia.
| Card | Earn rate | Other benefits | Annual fee |
|---|---|---|---|
| David Jones American Express Platinum Card | 4 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 |
| $295 |
| David Jones American Express Platinum Card - Qantas Frequent Flyer | 2 points per $1 spent at David Jones 1.5 Qantas Points per $1 spent at major supermarkets and petrol stations |
| $295 |
| Myer Credit Card | 3 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 |
| $0 annual fee for the first year ($69 p.a. thereafter) |
| Coles Rewards Mastercard | 2 Flybuys points per $1 spent on eligible purchases |
| $99 |
| Woolworths Qantas Platinum Credit Card | 1 Qantas Point per $1 spent on eligible purchases, uncapped 0.5 additional Qantas Point per $1 spent on selected Qantas products and services |
| $99 annual fee for the first year ($169 p.a. thereafter) |
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:
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.
Most store cards in Australia are credit cards with American Express, Mastercard or Visa functionality. This means you can use them anywhere regular credit cards are accepted. It also means that details of the store card will be added to your credit history.
Yes, as long as the card has a Visa, Mastercard or American Express logo, you can use it anywhere these cards are accepted. Note that you may earn reward points at a different rate when you make a purchase at a retailer that has no affiliation with the retail brand. Check the terms and conditions for specific information about transactions that are eligible and ineligible to earn points.
Some store credit cards have an extended interest-free promotion on purchases. Usually you’ll need to present your store card and/or spend a specific amount on eligible purchases to use one of these 0% interest offers. Note that fees may also apply.
Most store cards also offer up to a certain number of interest-free days on purchases for each statement period. Just be sure to pay your account in full each month and you won’t get charged any interest on the purchases you make during the next statement period.
If the card you're after has an active balance transfer promotion, you can transfer your credit card debt to a store credit card. Generally, you elect to transfer a balance from another credit card at the point of application for the new product.
However, you won't be able to transfer your credit card balance to a store card that is designed only for spending at a particular store.
Yes, most balance transfer credit cards will accept debts from store cards, as well as other credit cards that are not issued by the same financial institution. You’ll just need to include details of your store card account and debt when you apply for the balance transfer.
American Express David Jones credit cards offer Apple Pay functionality. If you're interested in getting a credit card that works with Apple Pay, check out this guide to compare other options.
At this stage, Amazon does not offer a store card in Australia. Alternatively, you could consider buying an Amazon gift card that you can use to pay for purchases made through the online store. Note that this option means you'll be spending your own money in gift card form, as opposed to using a credit card.
Pictures: Shutterstock
Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.
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