American Express David Jones Credit Card

My monthly spend: 
$5,000
 
offer
card features
rewards program
bonus points
earn rate
your earnings
Receive 20,000 points or 15,000 Qantas Points. (Conditions Apply)
Earn up to 3 points per $1 spent at major supermarkets and petrol stations, 2 points per $1 spent at David Jones, and 1 point per $1 spent elsewhere.
Flexibility to choose Qantas Frequent Flyer points or Membership Rewards points.
Add to comparison
Membership RewardsQantas Frequent Flyer
Membership Rewards or Qantas Frequent Flyer
20,000
points
after spend criteria
1 pt
per $1 spent

Pros & cons

What's good?

What's not so good?

Receive 20,000 points or 15,000 Qantas Points when you apply, are approved and spend outside of David Jones at least 3 times within the first month.
Flexibility to choose Qantas Frequent Flyer points or Membership Rewards points.
Loads of instore benefits and perks at David Jones such as complimentary home delivery, complimentary gift wrapping and exclusive fashion events and more.
No points capping.
No supplementary card fee for first year.
Spending outside of major supermarkets, major petrol stations, and David Jones stores the points earn rate drops to 1 Reward Point per dollar spent.
The $99 p.a. annual fee is around the average.
People who might want to do a balance transfer onto this card cannot do so.
Interest rates on purchases are at the higher end of the range.

Review

Our review of the American Express David Jones Credit Card

If you’re not already a regular DJ’s customer, this card my well have just what it takes to convert you. The American Express David Jones Credit Card is designed to make you put David Jones at the top of your preferred department store list by rewarding you for shopping there, and strangely enough, also for not shopping there.

Attractive reward points earning rate

The rewards points scheme available with this card is both flexible and gratifying. For starters, you can choose between earning American Express Membership Rewards points or Qantas Frequent Flyer points (converted at the rate 1.00 Amex points = 0.75 QFF points). You can even switch between the two rewards schemes up to once a year if it suits you to do so.

There’s a tiered points earning system which, not surprisingly, encourages you to shop at David Jones, but also rewards you even more for shopping at major supermarkets and petrol stations. Here are the details for Amex Membership Rewards points:

  • Purchases at major supermarkets & petrol stations# 3 points per dollar
  • Purchases at DJs 2 points per dollar
  • Purchases everywhere else 1 point per dollar

But don’t forget that the points conversion rate means that QFF points are earned at only 75% of the standard Amex points rate. So the QFF points earnings rate looks like this:

  • Purchases at major supermarkets & petrol stations 2.25 points per dollar
  • Purchases at DJs 1.5 points per dollar
  • Purchases everywhere else 0.75 points per dollar

Whichever way you look at it, this is a great earnings rate for supermarket and fuel spending. The 'everywhere else’ rate is not so good, but there is no penalty rate for spending at utilities, telcos and government bodies, so the overall rate is excellent, especially for devoted David Jones shoppers.

Here’s the official list of major supermarkets and petrol stations: Bi-Lo, Coles, Fishers, Food For Less, Fresh Provisions, Harris Farm Markets, IGA, Macro Wholefoods, Safeway, Supabarn, Thomas Dux, Woolworths. Ampol, BP, Caltex Woolworths, Gull, Metro, Mobil, Peak, Safeway Petrol, Shell, United, Woolworths Petrol and 7 Eleven.

First purchase bonus points

It seems that David Jones and American Express are plugging the message that this is not just a DJ’s storecard, but an 'everywhere’ credit card. So if you use the card for non-DJs purchases at least three times in the first month you’ll be rewarded with 20,000 points or 15,000 QFF points.

There is no minimum spending amount specified, so just make sure it’s three separate spending events. The bonus points offer is for new card members only, so is not available to existing David Jones American Express cardholders.

Redeeming points

If you choose to earn QFF points with this card you are probably already familiar with the Qantas Frequent Flyer scheme and its award flights or gift cards and merchandise redemption options.

For those choosing Membership Rewards instead, the points can be used to shop online at David Jones, or offset as a cash credit against your card account balance. Alternatively, you can simply choose to participate in the Amex Membership Rewards program. This last option lets you convert your points into retail gift cards or transfer them to the award flight programs of nine leading airlines (Air New Zealand, Cathay Pacific, Emirates, Etihad, Malaysian Airlines, Singapore Airlines, Thai Airways, Virgin Australia and Virgin Atlantic) as well as Hilton and Starwood’s frequent guest programs.

David Jones loyalty benefits

Just in case you were forgetting that this is in fact a David Jones card, and a more rewarding alternative to a David Jones storecard, cardholders will get all the benefits of a David Jones’ VIP customer. These include:

  • Up to four years interest free with no deposit when you spend at least $500 (instore only) on homewares, furniture, bedding or electrical items (note the $35 credit establishment fee and $2.95 per month account keeping fee)
  • 'Fashion pay later’ option three months deferred payment, interest free, when you spend at least $250 instore on men’s or women’ fashion clothing, footwear or accessories
  • Defer payment on your instore Christmas purchases (1st November to 24th December) until 1st February, interest free
  • Complimentary gift wrapping particularly helpful at Christmas
  • Free standard delivery for items purchased both instore and online (excludes gift cards, hampers, fresh food, wine club, gift registry and large items)
  • Special offers instore for cardholders only
  • Exclusive fashion events, previews and cardmember shopping events

Minimal insurance cover

This is a shopper’s card, not a traveller’s card, so it comes with purchase protection insurance only. You’ll get 90 days cover against theft of, or damage to, items purchased with your card. It includes items purchased anywhere in the world, not just at DJs and not just in Australia. Cover is limited to $3,000 per item and $20,000 per year.

Up-to-the-minute technology

When you’re indulging in a bit of retail therapy and your arms are weighed with down with DJ’s bags, there’s no need to fumble in your wallet. The card is compatible for use with Apple Pay, Samsung Pay and Android Pay, so you can choose to pay with your phone and leave the plastic at home.

How much does all this cost?

Since this is credit card, not just a store loyalty card, there is an annual fee attached, but $99 p.a. is reasonably competitive if you are a regular David Jones shopper, given the high points earning rates and other complimentary benefits. To encourage you to add family members to your account, there is no charge for supplementary cards in the first year, but after that you’ll pay $29 p.a. per annum for each extra card.

The purchase interest rate for unpaid balances is 20.74% p.a., enough to discourage cardholders from running a balance except on rare occasions. There is no balance transfer option with this card, and the interest-free days on purchases work out at Up to 44 days on purchases, not the more competitive 55 days offered by some cards.

Yes, it’s a card for David Jones shoppers, but . . .

Although this is a card which is more likely to appeal to metropolitan area residents within easy reach of a David Jones store, the supermarket and service station rewards earning rates will still hold some appeal even if you never set foot inside a department store. Remember too that you can earn a higher points rate as well as free delivery and purchase protection insurance by shopping at DJs online.

User reviews

4.0 out of 5.0 based on 18 reviews72% of reviewers would recommend this card.

Rates and fees
Rewards
Customer service
Convenience
Trust
Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

Decent rewards, but AmEx surcharges a hurdle

Reviewed and not recommended by Jonathan on 03 Apr 2017

With this card you can accumulate reward points relatively quickly and fairly easily by shopping at major supermarkets and petrol stations. The rewards points are also increased for shopping at David Jones, but the benefit is reduced by the fact most products at the store are sold for inflated prices.

American Express is still rejected, or accepted with a significant surcharge, at many outlets and websites, which reduces the card’s convenience.

Overall it’s a pretty good card, even taking into account the reasonably steep annual fee.

Points, points, points

Reviewed and recommended by Jae on 04 Dec 2016

The best thing I like about this card is that you can use your points to pay off your account. This means I can spend all year and effectively pay for Christmas. The one thing I like the least is that not all stores accept American Express. However, more stores are coming around.

I get 3 points for every dollar for just buying groceries and petrol (which I have to anyway) at Coles or Woolworths.

I have found this card to be practical and the customer service to be always helpful.

Helps me buy what I want, when I want

Reviewed and recommended by Rosa on 13 Nov 2016

This card helps me buy what I want, when I want. It’s very easy to use and I love the David Jones staff and service — they make my days and shopping experience wonderful.

I will recommend the card to anyone, which I already have. My mom loves it — top class service. Best card ever! I love you, David Jones.

Rewards points and David Jones in-store bonuses

Reviewed and recommended by Shona on 08 Nov 2016

With frequent flyer points racked up every time I purchase something, I get great rewards with this card. I also get special deals from David Jones, including interest-free months on payment, especially around Christmas. I also get free wrapping on presents in store with the DJ AmEx card. I love this.

The rewards system is fantastic

Reviewed and recommended by Jordan on 25 Sep 2016

I signed up in-store and it was absolutely amazing! I was given 30,000 bonus points for signing up, which I could convert to account credit ($200), a gift card ($200) or use them as Qantas points. I could even use the promotion points to pay the $99 annual fee and still receive $100 for myself.

Interest rate is higher than I'd like

Reviewed and not recommended by Fernando on 23 Sep 2016

The American Express David Jones Credit Card is international credit card not accepted an many shops because they charge more on transactions. All the time I need to ask if Amex is accepted when I go to new shops. As well, we pay high interest every month.

The interest rate is too high

Reviewed and recommended by Marilynna on 20 Sep 2016

I think the interest rate on credit cards is too high, as it keeps going up all the time. When I got this credit card the interest rate was reasonable. Now it’s gone up and up, so I am paying so much in interest and fees that I have to think twice if it’s worth having.

I earned points on this card

Reviewed and recommended by karla on 20 Sep 2016

Great to earn points while you shop. I enjoy shopping online and looking at all the bargains, specials, and the beauty packs, and you get something for free.

It’s a flexible card but they put too many fees on if you get a paper statement sent in the mail.

It’s a great card to have. You can also have a supplementary card.

High rates, not accepted everywhere

Reviewed and not recommended by Billel on 19 Aug 2016

I had this card originally to gather a few points in order to use on shopping or buying gifts for people, but turned out to use it more than what it was intended. Rates are quite high however, and it is a little inconvenient with some places not accepting the card.

Amazing card!

Reviewed and recommended by Daniel on 07 Jul 2016

A great card that provides rewards at a reasonable annual fee, along with great promotions when you use your card at David Jones. Plus the great benefits of American Express Connect provides member-only offers to your card. Choice of either Qantas Points or Amex Membership Rewards programs when joining.

Show 8 more reviews

Basic details

About this card

Card setup
Single
Card tier
Standard
Card type
American Express
Card use
Personal
Credit rating
No bad credit history
Gambling transactions allowed
No
Joint application
No
Minimum age
18 years old
Minimum income
$40,000
Minimum income for pensioners
Same as standard
Pensioners
N/A
Rewards program
Membership Rewards or Qantas Frequent Flyer
Temporary residents
N/A

Cardholders

Additional cardholders
Unlimited
Additional card fee
$29 p.a.

Credit limits

Minimum credit limit
$2,000
Maximum credit limit
$30,000

Repayments

Interest charged from
Purchase date
Interest free period
Up to 44 days on purchases
Minimum repayment
2.5%

Rates & fees

Ongoing interest rates

MonthlyAnnually
Cash advances N/A N/A
Purchases 1.73% 20.74% p.a.

Fees

Annual fee
$99 p.a.
Cash advance fee
N/A
Dishonour fee
$6
Duplicate statement fee
$10
Foreign exchange fee
3%
Late payment fee
$30
Over limit fee
$15
Overseas ATM balance fee
N/A
Overseas ATM withdrawal fee
N/A
Overseas emergency card replacement fee
N/A
Transaction verification fee
N/A

Rewards

Cool stuff you can get with your points

Disclaimer: Does not include taxes, fees, or charges. Accurate as of 25th January 2016.

Rewards program basics

First purchase bonus
20,000 points
Reward points expiry
Never as long as you keep your account active
Rewards program
Membership Rewards or Qantas Frequent Flyer
Spend required for bonus points
3 times in first month

Earning points with this card

ATO payment earns rewards
0.5 pts per $1 spent
Frequent flyer points
1 pt per $1 spent
Overseas earn rate
Same as standard earn rate
Points cap per month
N/A
Points cap per year
N/A
Reward points
1 pt per $1 spent

Additional benefits

Airport lounge access
No
Complimentary flight voucher
No
Concierge service
No

Benefits

This card comes with benefits worth an estimated $144

ShoppingEstimated value
Free delivery of goods purchased
Assumes delivery of goods purchased from David Jones stores 6 times a year at $10 each.
$60
Free gift wrapping at David Jones stores
Valuation based on 1 gift purchased per month plus 10 over Christmas at David Jones. Gift wrapping service valued at $2 each.
$44
Purchase protection
Valuation based on the assumption of making a $200 claim once every 5 years. There is no retail market for this type of insurance, so no premium saving.
$40
Total estimated value$144
Annual fee$99
Net customer value$45
Disclaimer: Details of who, what, and where coverage applies to, as well as its duration and any coverage limitations will be listed in the credit card insurance product disclosure statement (PDS) on the card issuer's website. The names/labels of complimentary insurance products may differ from one issuer to another. Terms and conditions apply. Always check the insurance PDS when considering a financial product. Accurate as of 31st October 2015.

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular income of more than $40,000 per year
Have no history of bad credit
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Joint applications are not allowed
Disclaimer: The minimum criteria pointers are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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