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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:
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:
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.
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:
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.
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 Google 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.
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 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.
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.
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.
I have had this card for about 5 years and have been very, very happy with its performance. I have not had one problem and I use this card pretty much every day of the week for small and large purchases.
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.
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.
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.
This card was easy to get, and with two different rewards options. The DJ rewards points sign up offer means your first annual fee is paid. It’s widely accepted, DJ likes you with it, and you have the backing of AmEx. The card gives great confidence when travelling overseas with the wide network of AmEx offices and foreign exchange services.
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.
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.
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|
|Net customer value||$45|