American Express David Jones Credit Card

My monthly spend: 
Card features
Rewards program
Earn rate
Sign up bonus
Points earned
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
1 pt
per $1 spent
after spend criteria

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.

Our review

Our review of the American Express David Jones Credit CardReviewed by Yvonne Taylor

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
Customer service

Reviews from users

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.

Shopping with a David Jones Credit Card

Reviewed and not recommended by Shaun on 19 Jun 2015

The design of this card is quite nice, but I have found that a number of stores, whether in shopping centres or online, will not accept this particular card because it is an American Express. Also, the rewards program is only linked to frequent flyer points, so it takes a long time to accumulate enough to use for flights.

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.

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.

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.

A good card where AmEx is accepted

Reviewed and recommended by Anon on 04 Sep 2014

A reliable card with good rewards that are practical. Reward points can be used to get money off shopping in places I actually shop such as Coles, Woolies etc. And I can choose what the rewards are converted to. The down side is the annual fee, but reward points can be used to pay for this.

Fees are too high, not happy anymore

Reviewed and not recommended by Rose on 23 Jun 2016

I am not happy with high fees any more. I need a versatile card that saves me money, a card with no hidden fees, low interest, but awesome rewards. I’d also like no annual fees, and the ability for everyone in the family to benefit from the rewards. Wouldn’t hurt if low income earners could get it too.

Good card: Rewards and excellent customer service

Reviewed and recommended by Frank on 09 Sep 2015

The David Jones American Express card is a good all round card and offers reasonable rewards without the fees being too high as we pay the balance off each month.

The customer service, whenever we have needed it has been excellent. The only drawback we have found is that some places do not accept American Express.

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.

Great product on the go

Reviewed and recommended by Sam on 27 Oct 2014

I love this American Express card! I was always told to be careful because it’s American Express, but I have discovered a lot more shops are taking this card now with no surcharge. The interest rate is quite high, but if you pay it off monthly you can avoid that.

I love the reward points you get and that you can use them to pay off your credit card. If you use this properly you can build your points up very quickly! I save my points so at Christmas time I have enough to buy all my Christmas presents. :)

Great online banking so you know how many points you have, when your next payment is due, your minimum payment, and you can also transfer your points to credit on your card yourself, or it’s easy to call and they do it straight over the phone.

Overall it’s a great card and I really like it. I recommend this to anyone that would like a credit card.

Show 8 more reviews
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.

The basics

About this card

Card setup
Card tier
Card type
American Express
Card use
Credit rating
No bad credit history
Gambling transactions allowed
Joint application
Minimum age
18 years old
Minimum income
Minimum income for pensioners
Same as standard
Rewards program
Membership Rewards or Qantas Frequent Flyer
Temporary residents
Business Long Stay Visa (subclass 457)


Additional cardholders
Additional card fee
$29 p.a.

Credit limits

Minimum credit limit
Maximum credit limit


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

Rates & fees

Ongoing interest rates

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


Annual fee
$99 p.a.
Cash advance fee
Dishonour fee
Duplicate statement fee
Foreign exchange fee
Late payment fee
Over limit fee
Overseas ATM balance fee
Overseas ATM withdrawal fee
Overseas emergency card replacement fee
Transaction verification fee

Rewards & points

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

Frequent flyer points
1 pt per $1 spent
Overseas earn rate
Same as standard earn rate
Points cap per month
Points cap per year
Points earned on ATO payments
0.5 pts per $1 spent
Reward points
1 pt per $1 spent

Additional benefits

Airport lounge access
Complimentary flight voucher
Concierge service


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.
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.
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.
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
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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