David Jones American Express Card – Rates and Fees

Information verified correct on September 30th, 2016
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Earn up to 30,000 bonus points and access exclusive in-store benefits with the David Jones American Express Credit Card.

The David Jones American Express Credit Card offers a number of in-store privileges like interest-free shopping and bonus gifts. New cardholders have the ability to earn up to 30,000 bonus points, and they can choose to redeem their accumulated points through the David Jones Membership Rewards program or the Qantas Frequent Flyer program.

The David Jones American Express Platinum Card comes with similar features and gives you the ability to earn points sooner, but it charges a higher annual fee.

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
Minimum Income$40,000
Card TypeAmerican Express
Late Payment Fee$30
Foreign Currency Conversion Fee (AMEX)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
Late Payment Fee$30
Over Limit Fee$15
Foreign Currency Conversion Fee (AMEX)3% of transaction value
Gambling Transactions AllowedNo
Additional Cardholder Fee$29 p.a.
BPAYYes
ChequeYes
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes

Pros

  • Points are earned on all purchases, not just those made at David Jones and there is no expiry or capping on the amount of points you can earn with this card.
  • There are a range of benefits available in store when you are shopping at David Jones.
  • This card comes with purchase cover protection for 90 days after you make a purchase on your card.

Cons

  • There is no balance transfer feature offered with this card.
  • At the end of the 44 days interest-free period, the 20.74% p.a. purchase rate of interest applies on all purchases made with this card.
  • There are 44 days interest-free on purchases instead of 55 like most other cards.
Rewards ProgramMembership Rewards
Bonus Points on Sign-up30,000
Rewards Points per $ (AMEX)1
Rewards Points per $ (VISA/MC) CapN/A
Rewards Points per $ (AMEX) CapUncapped
Points ExpiryNever

David Jones American Express Card review

Are you a loyal David Jones customer? If so, the David Jones American Express Card could be the right card for you. This is because you stand to earn rewards points sooner when you use this card at David Jones, and you can also look forward to an array of in-store benefits.

This card attracts a nominal annual fee of $99, and you can get an additional card for an annual fee of $29, which you don’t have to pay for the first year. Given the American Express connect, you can look forward to using this card globally; all you have to do is look for the American Express sign.

Benefits of the David Jones American Express Credit Card

David Jones American Express cardholders can look forward to the following benefits:

  • Reward program options. When you get this card you can choose between the Membership Rewards program and the Qantas Frequent Flyer Program. Depending on the program you choose, one reward point translates to 1 Membership Reward point or 0.75 Qantas Points.
  • Bonus points. As a new cardholder you stand to get 30,000 Membership Rewards points or 22,500 Qantas Points. All you have to do to get these points is use your new card outside David Jones thrice in the first month.
  • Exclusive in-store benefits. When you spend more than $500 on electrical, homewares, furniture, and bedding items, you can get up to four years interest-free without paying any deposit. When you use your card to make payments, you can make use of free gift wrapping. The Fashion Pay Later Option gives you the option of not paying for purchases for three months. The Christmas Deferred Payment Option also gives you a good way to shop and save before Christmas.
  • Eligible for Apple Pay. This feature allows the American Express cardholder to make payments in a more convenient and secured way through Touch ID. Read more about it here.
  • Eligible for Samsung Pay. The American Express cardholder can easily make contactless payments through the Samsung Pay application. Learn more here.
  • Eligible for Android Pay. Simply register your David Jones American Express Card to Anrdoid Pay to enjoy this feature, which allows you to make easy and fast contactless payments using your android device whenever you shop in eligible merchants. Learn more here.

David Jones American Express Credit Card features

If you’re considering applying for the David Jones American Express card, take some time to consider the features it offers:

  • Earning points. You earn 3 reward points for each dollar you spend at major supermarkets and petrol stations. Some of these include Coles, Woolworths, Safeway, IGA, Flemings, Bi-Lo, Shell, BP, 7 Eleven, Mobil, and Caltex Woolworths. Every dollar you spend at David Jones earns 2 reward points. Every dollar spent on eligible purchases elsewhere earns 1 reward point.
  • Redeeming points. If you opt for the Membership Rewards program you can use your points to shop online at davidjones.com or redeem gift cards from various retailers, merchandise, concert tickets, or transfer them for flight rewards with one of eight frequent flyer programs. If you opt for the Qantas Frequent Flyer program, you can redeem your points for flight tickets, flight upgrades, gift cards, and an array of merchandise.
  • Fees. You have to pay an annual fee of $99 for as long as your account remains active. Additional cards attract ongoing annual fees of $29, which is waived for the first year.
  • Payments. You can make payments towards your David Jones American Express card via direct debits and BPAY. You can also pay in person using cash or card at David Jones stores, Australia Post offices, and American Express foreign exchange travel offices.

How to apply for the David Jones American Express Card

You can complete an online application form in a matter of minutes. Applying for this card requires that your meet the following eligibility criteria.

Eligibility criteria

  • You must be over 18 years.
  • You must be a permanent Australian resident, or an Australian citizen, or must hold a Subclass 457 – Business Long Stay Visa.
  • You must not have poor credit history.
  • Your pre-tax gross household should exceed $40,000.
  • If you’re self-employed, you should have been trading for more than 18 months, but if you have an existing American Express card this reduces to 12 months.

Required documents

  • Your name and contact details
  • Employment related information
  • Your annual earnings
  • Your monthly expenditure
  • Information about all your liabilities

Getting the David Jones American Express Credit Card is a good idea if you shop at David Jones from time to time, and if you wish to earn rewards as per your spending. Bear in mind, though, that this is not the only card of its kind, so you’ll need to compare your options well before applying.

The American Express Card

Frequently asked questions

To earn the bonus points, do the first three transactions outside David Jones come with minimum spend requirements?

No, there is no minimum spend requirement for you to meet this criteria.

Can I use this card for cash advances?

Unfortunately, this David Jones American Express card does not offer cash advances.

Does this card offer any interest-free days?

Yes. By paying your account’s closing balance in full each month you can make use of as many as 44 interest-free days on purchases.

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38 Responses to David Jones American Express Card – Rates and Fees

  1. Default Gravatar
    Gina | September 20, 2016

    Hi
    Can I hook my card up to some bills I pay ie gas, electricity, rates etc in order to gain extra points?

    • Staff
      Debbie | September 21, 2016

      Hi Gina,

      Thanks for your inquiry.

      As long as your bills payment are not considered as cash advance, you can earn points through them. Using your card on major petrol stations and supermarkets can let you earn rewards points too.

      Please note that the following transactions are excluded on earning rewards points: cash advances, cash services, travellers cheque purchases, interest charges, fees and charges or balance transfers from other credit card accounts and storecards.

      For your reference, I have sent the David Jones Amex Rewards terms and conditions in to your email.

      I hope this helps.

      Cheers,
      Debbie

  2. Default Gravatar
    James | August 22, 2016

    Hi – I’m interested in getting this card.
    Is there a cancellation fee associated with the card? Do you have the financial table (fees, etc.) available online (as I couldn’t find this)
    Thanks!

    • Staff
      Anndy | August 22, 2016

      Hi James,

      Thanks for your comment.

      The David Jones American Express Card does not charge card cancellation fees.

      I’ve sent you an email with a link to the page where you can read the related fees and charges attached to this credit card.

      Cheers,
      Anndy

  3. Default Gravatar
    Roberta | July 26, 2016

    I’m interested in a card that includes discounts at gas. Does this Card offer that?

    • Staff
      May | July 28, 2016

      Hi Roberta,

      Thanks for your inquiry.

      This David Jones American Express Card will let you earn points when you use it for paying your petrol at partner stations of AMEX but will not let you get discounts on fuel. You can find more of this kind of credit card here.

      There are actually credit cards that let you cashback and discounts directly from purchasing fuel. They are not linked with any other existing rewards program but are connected to specific fuel retailers.

      Cheers,
      May

  4. Default Gravatar
    Joanne | July 6, 2016

    Hi there, if I apply for a David jones credit card, can I have any discount on purchasing luxury handbags in store?

    • Staff
      Anndy | July 6, 2016

      Hi Joanne,

      Thanks for your question.

      Unfortunately, the benefits offered to David Jones American Express Card cardholders do not include discount on purchases. However, your benefits include:

      - Fashion Pay Later Option – a deferred payment promotion for the period of 3 months. It is available for purchases made instore at David Jones (Australia only) and is available on all purchases of women’s and men’s apparel, shoes and fashion accessories with a single transaction value of $250 or more. Other conditions apply.

      - Christmas Deferred Payment Option – a deferred payment promotion available for purchases made instore at David Jones (Australia only) between 1 November and 24 December. The deferred payment period expires 31 January in the following year. Other conditions apply.

      Cheers,
      Anndy

  5. Default Gravatar
    stan | March 4, 2016

    Hi Jonathan,

    I am an existing “AMEX” user but i am not an existing “David Jones American Express Card Members”, will I be eligible for the bonus qantas points if i apply and get approved?

    The terms says: 1.This offer is available to new David Jones American Express Card Members who apply online via this site, approved and make the required eligible spend(s).

    Many thanks,
    Stan

    • Staff
      Jonathan | March 7, 2016

      Hi Stan, thanks for your inquiry!

      You can apply for this offer and receive the bonus 30,000 bonus Rewards points, providing that you are not an existing David Jones American Express Card Member.

      Cheers,

      Jonathan

  6. Default Gravatar
    Michelle | February 12, 2016

    Is there a monthly cap on reward points? Ie do you only get 3 reward points per $ up to $x?

    • Staff
      Jonathan | February 15, 2016

      Hi Michelle, thanks for your inquiry!

      There is no rewards cap on this credit card. You will earn 1 Reward point for every $1 spent.

      Cheers,

      Jonathan

  7. Default Gravatar
    Linda | October 25, 2015

    Hi, I understand that new members get 30,000 Membership Rewards points upon joining the program. Just wondering if a new member could use those points to pay for the $99 joining fee? Thanks in advance.

    • Staff
      Jonathan | October 26, 2015

      Hi Linda, thanks for your inquiry!

      Unfortunately this rewards program does not provide ‘account credit’ as a reward. I have sent the online catalogue for this rewards program to your email.

      Cheers,

      Jonathan

  8. Default Gravatar
    Louise | July 8, 2015

    Hi, I own a small business and pay large amounts of tax each quarter ($150000). I am wondering whether there is a credit card available which I could use to pay some or all of this tax to the ATO and earn Qantas FF points by doing so?
    Thanks,
    Louise

  9. Default Gravatar
    | May 14, 2015

    Hi
    I have 2 Questions below.

    To be eligible for the bonus points, I am required to complete 3 purchases in 1st month outside of David Jones.

    Q1. Is there a $ spend minimum for these 3 purchases?
    Q2. Is there a requirement for a transaction within David Jones by any time frame?
    Thanks Tim.

    • Staff
      Jonathan | May 14, 2015

      Hi Tim, thanks for your inquiry!

      As per the terms and conditions “Reward Points are awarded after you spend three times on your Card outside David Jones within the first month of becoming a David Jones American Express Card Member.” There is no minimum spend or transaction with David Jones required in order to be eligible for this offer.

      Cheers,

      Jonathan

  10. Default Gravatar
    Jang | April 23, 2015

    Hi
    At the moment, i can’t using cash advance facility at any ATM.

    When can i use that service?

    • Staff
      Jonathan | April 24, 2015

      Hi Jang, thanks for your inquiry.

      Being unable to access an ATM service may be due to reasons such as an overdue account or exceeded credit limit. It would be best to contact the David Jones credit card team, please refer to the contact details I have sent to your email.

      Cheers,

      Jonathan

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Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
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