Credit card rewards: Kogan, David Jones and Coles offer up store gift cards

mother and daughter using credit card online

When you think of a rewards credit card, you may think of things like frequent flyer programs or points schemes attached to cards offered by banks and credit unions.

But the truth is, that’s not your only option. 

In fact, a few Aussie retailers offer rewards credit cards, including big names like Kogan, David Jones and Coles.

Like other rewards cards, these options allow customers to earn points as they spend, and in some cases offer discounts or vouchers to shop in-store with (when customers meet the spending requirements).

Want to know more? Here’s a rundown of what these three big retailers have on offer when it comes to rewards credit cards.

Kogan Money Black Card
  • Up to $400 Kogan.com credit (spending conditions apply)
  • $0 annual fee
  • No cap on rewards points
Find out more

If you are looking for the opportunity to earn vouchers for your credit card spending, and love Kogan.com, the Kogan Money Black Card could be right up your alley. With this card you can earn up to $400 in Kogan.com store vouchers - earn $50 credit on your first eligible purchase within the first 30 days and an additional $350 credit when you spend $1,500 on eligible purchases in the first 90 days. With this card you’ll earn 1 point per $1 spent on eligible purchases, 2 points per $1 on Kogan exclusive brand purchases and points are uncapped. While there is no annual fee and up to 55 interest free days on purchases, just remember this card comes with a hefty 20.99% p.a. purchase rate.

David Jones American Express Card
  • 50,000 bonus Membership Rewards Points or 25,000 Qantas Points (spending conditions apply)
  • Up to 3 Membership points per $1 spent (uncapped)
  • 0% p.a. for the first six months (20.74% p.a. after)

Love to shop at DJs? Well, the David Jones American Express Card could be what you need. Depending on what you prefer, there’s the option of 50,000 bonus Amex Membership Rewards Points or 25,000 Qantas Points when you spend $1,500 at retailers excluding David Jones within the first three months. Plus, you can earn up to 3 Membership Rewards Points per $1 spent, and the good news is your points can be redeemed for gift cards for David Jones or other retailers. And that’s not all! This card also comes with up to 44 interest free days on purchases as well as a 0% p.a. purchase rate for the first six months. Don’t forget, after the offer is up the purchase rate reverts to 20.74% p.a. and there is a $99 annual fee to budget for.

Coles Rewards Mastercard
  • $200 off in-store purchases at Coles supermarket or 40,000 bonus flybuys points (spending conditions apply)
  • $10 off your Coles supermarket shop each time you redeem 2,000 flybuys points at checkout
  • $0 annual fee in the first year ($99 after)
Find out more

When you head out for groceries, if Coles is your supermarket of choice a Coles Rewards Mastercard is what you might need at the checkout. Currently there are a few offers attached to this credit card. For customers that spend $1,500 in the first 60 days from approval, there is the choice of either $200 off in-store purchases at Coles supermarket or 40,000 bonus flybuy points. On top of that, cardholders also receive $10 off their Coles supermarket shop every time they redeem 2,000 flybuy points at the checkout. Plus, earn 2 points per $1 on eligible purchases up to $3,000 and then 1 point per $1 on eligible purchases uncapped - talk about rewards! And not only that, Coles will also discount the annual fee in the first year to $0, which then reverts to $99 after that. Customers also receive up to 55 interest free days on purchases, but there is a 19.99% p.a. purchase rate to keep in mind.

Do other retailers offer rewards on their credit cards?

Kogan, David Jones and Coles aren’t the only Aussie retailers that have credit card products. Big names like Woolworths and Myer also have credit cards, however at the moment they aren’t open for new applications. 

It’s also important to note that many other rewards programs from other credit card providers, including banks or non-banks, allow customers to redeem points for vouchers from a range of different retailers. 

So what this means is, you don’t necessarily have to take out a retailer-specific card in order to earn yourself a gift card. 

Want to compare more options? Take a look at our reward credit cards comparison page for some top deals.

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