David Jones American Express Credit Cards

The David Jones American Express Credit Card is a credit card product provided by David Jones Ltd in partnership with American Express. David Jones is also a provider of retail products, and American Express is also a provider of other credit cards and small business services.
David Jones Logo

“Peace of mind, wherever you land.”

Product Features: What the David Jones American Express Credit Cards offer

The David Jones American Express credit card comes in two forms:

  1. David Jones American Express Credit Card
  2. David Jones American Express Platinum Credit Card

At the time of writing, a sign-up bonus applies to the David Jones American Express Credit Card of 30,000 AMEX Membership Rewards points or 22,500 Qantas Points when the cardholder spends outside of David Jones three times in the first month.

At the time of writing, a sign-up bonus applies to the David Jones American Express Platinum Credit Card of 40,000 AMEX Membership Rewards points or 30,000 Qantas Points when the cardholder spends outside of David Jones three times in the first month.

David Jones American Express Credit Card

FeaturesDavid Jones Amex Credit Card

  • Card type: American Express
  • Minimum credit limit: $2,000
  • Minimum income required for eligibility: $40,000 p.a.
  • Rewards program: Choose from either AMEX Membership Rewards or Qantas Frequent Flyer Rewards.
    • AMEX Membership Points: Earn 3 Reward Points per dollar spent at major supermarkets and petrol stations; earn 2 Reward Points per dollar spent at David Jones; and earn 1 Reward Point per dollar spent elsewhere. Points are redeemable for account credit, merchandise, gift cards from David Jones or other retailers, or flights with 9 leading airlines.
    • Qantas Points: Earn 0.75 Qantas Point per 1 Reward Point. Points are redeemable for flights, merchandise, and more.
    • David Jones instant rewards: Complimentary standard delivery for items purchased in-store or online at David Jones using the card. Complimentary gift-wrapping for items purchased in-store or online at David Jones using the card. Exclusive discounts on designer brands. Exclusive fashion events.
  • Interest free purchases: Ability to make interest free purchases of up to 4 years when you spend $500 or more on homewares, furniture, bedding, or electrical items in-store at David Jones. Each interest free purchase is charged a $35 establishment fee and a $2.95 monthly account-keeping fee.
  • Fashion Pay Later Option: No required repayments for 3 months when you spend $250 or more on the card on any women’s or men’s apparel, shoes, or fashion accessories in-store at David Jones.
  • Christmas Deferred Payment Option: No required repayments until February the following year on purchases made between 1 November and 24 December in-store at David Jones.
  • Contactless payments: American Express Contactless Payments chip technology allows you to use this card for payments. This card is also eligible for use with Apple Pay.
  • Insurance (complimentary): Complimentary purchase protection insurance covering items for theft or damage for 90 days after purchase. Emergency card replacement within 48 hours available almost anywhere in the world.
  • Security: Card protected by online fraud protection guarantee.

Rates and Fees

  • Interest rate on purchases: 74%
  • Interest free days: Up to 44 if balance paid in full every month
  • Cash advance rate: Cash advances not offered
  • Cash advance fee: Cash advances not offered
  • Annual fee: $99
  • Additional cardholder annual fee: $0 for first year, then $29/year thereafter
  • Minimum monthly repayment: Greater of 2.5% of balance or $30
  • Payment handling fee: $3 in person
  • International fees: 3% fee on all purchases and cash advances made using a foreign currency, including transactions made in Australia with merchants located outside of Australia (e.g. international online shopping)
  • Paper statement fee: $10/statement
  • Late fee for overdue minimum payment: $30
  • Over credit limit fee: $15/month
  • Dishonour fee: $6/dishonour or rejection

David Jones American Express Platinum Credit Card

FeaturesDavid Jones Amex Platinum Credit Card

  • Card type: American Express
  • Minimum credit limit: $2,000
  • Minimum income required for eligibility: $65,000 p.a.
  • Rewards program: Choose from either AMEX Membership Rewards or Qantas Frequent Flyer Rewards.
    • AMEX Membership Points: Earn 4 Reward Points per dollar spent at David Jones; earn 3 Reward Points at major supermarkets and petrol stations; and earn 1 Reward Point per dollar spent elsewhere. Points are redeemable for account credit, merchandise, gift cards from David Jones or other retailers, or flights with 9 leading airlines.
    • Qantas Points: Earn 0.75 Qantas Point per 1 Reward Point. Points are redeemable for flights, merchandise, and more.
    • David Jones instant rewards: Complimentary Priority courier next-business-day delivery for items purchased in-store using the card. Complimentary alterations on all women’s or men’s apparel purchased in-store. Priority appointments at David Jones’s Personal Shopping Suites and Shopping Bag Concierge. Complimentary gift-wrapping for items purchased in-store or online at David Jones using the card. Exclusive discounts on designer brands. Invitations to exclusive season launch events and other fashion events.
    • Lounge access: Complimentary lounge access twice per year at the American Express Lounge at Sydney International Airport.
  • Interest free purchases: Ability to make interest free purchases of up to 4 years with no deposit, when you spend $500 or more on homewares, furniture, bedding, or electrical items in-store at David Jones. Each interest free purchase is charged a $35 establishment fee and a $2.95 monthly account-keeping fee.
  • Fashion Pay Later Option: No required repayments for 3 months when you spend $250 or more on the card on any women’s or men’s apparel, shoes, or fashion accessories in-store at David Jones.
  • Christmas Deferred Payment Option: No required repayments until February the following year on purchases made between 1 November and 24 December in-store at David Jones.
  • Contactless payments: American Express Contactless Payments chip technology allows you to use this card for payments. This card is also eligible for use with Apple Pay.
  • Insurance (complimentary): Complimentary travel insurance and Buyer’s Advantage (extended warranty). Refund Protection will credit your account if a merchant refuses to give you a refund on an unused eligible item within 90 days of purchase. Purchase protection insurance covering items for theft or damage for 90 days after purchase. Emergency card replacement within 48 hours available almost anywhere in the world.
  • Security: Card protected by online fraud protection guarantee.

Rates and Fees

  • Interest rate on purchases: 74%
  • Interest free days: Up to 44 if balance paid in full every month
  • Cash advance rate: Cash advances not offered
  • Cash advance fee: Cash advances not offered
  • Annual fee: $295
  • Additional cardholder annual fee: $0 for up to 4 supplementary cards
  • Minimum monthly repayment: Greater of 2.5% of balance or $30
  • Payment handling fee: $3 in person
  • International fees: 3% fee on all purchases and cash advances made using a foreign currency, including transactions made in Australia with merchants located outside of Australia (e.g. international online shopping)
  • Paper statement fee: $10/statement
  • Late fee for overdue minimum payment: $30
  • Over credit limit fee: $15/month
  • Dishonour fee: $6/dishonour or rejection

Eligibility to apply for David Jones American Express Credit Card

To apply for the David Jones American Express Credit Card product, you must be able to satisfy the following criteria:

  • Over 18 years of age.
  • Australian citizen, or permanent resident of Australia, or holder of a current Business Long Stay Visa (subclass 457).
  • Good credit history with no payment defaults.
  • Earn gross (pre-tax) income of at least $40,000 p.a.
  • If self-employed, have been trading for at least 18 months, or 12 months if applicant already holds another AMEX card.

The inclusions mentioned represent a selection of what is covered at the time of writing. Additional terms and conditions may apply to different features. Additional fees may apply to the product. CANSTAR is not making any suggestion or recommendation to you about this product. Please ensure that you read the product disclosure statement to determine all the current options and inclusions for the product you are considering.

CANSTAR is an information provider and in giving you product information CANSTAR is not making any suggestion or recommendation about a particular credit product. If you decided to apply for a credit card you will deal directly with a financial institution, and not with CANSTAR. Rates and product information should be confirmed with the relevant financial institution. For more information, read our detailed disclosure, important notes, and additional information.

About David Jones

David Jones LogoThe first David Jones store was opened in 1838 in Sydney by founder David Jones, a Welsh merchant. His mission was to sell “the best and most exclusive goods”. When the original store was rebuilt larger in 1887, it boasted Sydney’s first hydraulic lift.

Today, David Jones has 35 stores across Australia. It remains Australia’s oldest department store, and more impressively, the world’s oldest department store to still be trading under its original name.

The David Jones American Express Credit Card came into being in 2008, offering what was at the time one of the most generous storecard incentive programs on the market.

About American Express

American ExpressAmerican Express was founded in 1850 and now issues the world’s largest number of credit cards. In fact as of December 2015, they have 117.8 million cards in force.

When it comes to corporate responsibility, American Express focuses on three key aspects: preserving historic places for the future, developing new leaders, and encouraging employees and customers to serve their communities where they live and work.

Any questions you may have about American Express products (without disclosing personal information, of course) can be asked on their Ask Amex Twitter profile.

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Written by: TJ Ryan