David Jones credit cards

David Jones
David Jones's overall rating for credit cards

(as rated by the Mozo community)

5.5 / 10

based on 38 reviews

Are you an avid shopper? Then David Jones has a credit card for you. It’s all about the rewards here - and why not? Check out the great credit cards on offer from David Jones to find the best way to reward yourself for spending.

Rates and fees verified as correct at 19 November, 2018. Other information correct at the time of writing.

What credit cards do David Jones offer?

Rewards credit cards Rewards credit cards

Are you after a credit card that will not only make shopping a breeze, but also a reward in itself? David Jones rewards cards allow you to rack up a pile of rewards points in no time flat, so you can redeem them for a range of retail products, gift cards or travel.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

0.75 points per dollar on Amex, uncapped

20.74% p.a.

No current offer

$99

1 point per dollar on Amex, uncapped

20.74% p.a.

No current offer

$99

Go to site

1 point per dollar on Amex, uncapped

20.74% p.a.

No current offer

$295

Go to site

0.75 points per dollar on Amex, uncapped

20.74% p.a.

No current offer

$295


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Prestige cards Prestige cards

If you want to boost your rewards earning power then check out the premium rewards options from David Jones. While you’re looking at a much higher annual fee, there won’t be a difference in interest rates. For some shoppers, the fee will be a deal breaker, but if you like to shop up a storm, then perks like complimentary delivery for online shopping and complimentary clothes alterations might just be worth it.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

1 point per dollar on Amex, uncapped

20.74% p.a.

No current offer

$295

Go to site

0.75 points per dollar on Amex, uncapped

20.74% p.a.

No current offer

$295


Hide

Frequent flyer credit cards Frequent flyer credit cards

If you already know every reward point you earn is going to be funnelled directly into your frequent flyer program, then why not get a credit card that does that for you? With a Qantas card from David Jones in your pocket, you’ll be on your way to free flights in no time.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

0.75 points per dollar on Amex, uncapped

20.74% p.a.

No current offer

$99

0.75 points per dollar on Amex, uncapped

20.74% p.a.

No current offer

$295


Hide

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Frequently Asked Questions about David Jones credit cards

What is the interest free period on my David Jones credit card?

As long as you keep up with paying your whole balance off each month, you’ll have up to 44 days interest free on your David Jones credit card. If you pay off your balance before the period ends, you won’t be charged interest at all.

Keep in mind that the interest free period doesn’t apply to cash advances, so if you’re hitting the ATM, you’ll be charged interest right away.

What fees might I be charged?

As rewards cards, David Jones credit cards pack a fair punch in the fees department. All come with reasonably hefty annual fees - especially the premium options - plus a foreign exchange margin, and a reasonably steep late payment fee. You’ll also pay an extra annual fee to have more than one cardholder on the classic option.

The good news? No cash advance fee.

What’s the minimum repayment amount I must make?

Your David Jones credit card statement will show a monthly minimum repayment - this is the amount you need to pay each month, and will be the the greater of either $30 or 2.5% of your current credit card balance.

Also on your statement, you’ll see a table that shows you how long it will take to repay your balance if you only pay the minimum each month, and how much you’d need to pay each month to blast your debt completely within two years. 

Mainly, this is to show you that if you pay as much as you can off your credit card balance, you’ll ultimately save on interest and be debt free sooner.

What rewards will I earn with my David Jones credit card?

A David Jones credit card is all about earning rewards! Depending on what you’d like to cash your points in for, you can either opt for a membership rewards card or a Qantas card.

On a membership rewards card, you can redeem points for:

Gift cards from a range of retailers (not just David Jones!)

Event or cinema tickets

Flights from a range of airlines

Cash back on your credit card

With a Qantas card, you can redeem for:

Flights

Upgrades

Merchandise from the Qantas store

How do you get your hands on those great bonuses? Check out our table to see how many rewards points you’ll rack up for each dollar you spend:

David JonesMajor supermarkets or petrol stationsOther retail
Membership431
Platinum231

If you opt for a Qantas card, every reward points is worth 0.75 qantas frequent flyer points.

Points are uncapped and don’t expire, so you can save up for as long as you like before cashing in.

Can I use my David Jones credit card for a balance transfer?

Unfortunately, you can’t, although considering that rewards cards pack a punch in the interest rates department, you probably wouldn’t want to anyway. If you’re looking for a great balance transfer deal to manage your credit card balance, take a look at our comparison table to choose the perfect fit for you.

Can I use my David Jones credit card while I’m travelling overseas?

Yes you can, and as an added bonus, if you opt for the premium option, it comes with a bunch of cool travel perks, like:

A $200 travel credit on your Platinum card, to spend on costs like airfare, hotels or car hire

Access to VIP airport lounges

Complimentary membership into elite hotel programs

Hotel upgrades

Complimentary travel insurance

Just don’t forget to budget for the foreign exchange margin before you jet off!

Can I use my David Jones credit card to make contactless payments?

Yes. If your David Jones credit card has a chip in it, you can use it to make contactless payments - known as Tap ‘n’ Go - wherever you see this symbol,  along with the American Express logo.

Avoiding credit card fraud

Your David Jones Amex card is setup to provide you peace of mind, so you don’t have to spend your time thinking about the risk of credit card fraud. Security measures put in place by AMEX include:

Online Fraud Protection guarantee - which means you won’t be held responsible for fraudulent online transactions, as long as you report them straight away

Purchase Protection - for 90 days after making a purchase with your David Jones credit card, your items will be insured against theft or damage

Global Card Support - so you can have problems resolved anywhere, anytime

How are David Jones credit cards rated?

Mozo users have rated David Jones credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

David Jones credit cards

Overall 5.5

Price

Features

Customer service

Convenience

Trust

37 Reviews

Recent David Jones credit card reviews Recent David Jones credit card reviews

David Jones

David Jones American Express Card (Membership Rewards) credit card review

Overall rating   8 / 10

Great reward points and offers

Reward points for daily shop highest for lowest fee

Full review

Reward points for daily shop highest for lowest fee

    Price   7 / 10

    Features   9 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Karl, New South Wales, reviewed 11 months ago

David Jones

David Jones American Express Card (Membership Rewards) credit card review

Overall rating   0 / 10

The card isn't accepted without surcharge anywhere

So a David Jones salesman pestered me into enrolling into this card and rewards program: You'll get a 50$ voucher, 100$annual fees, worth it etc. Special events and what not was promised. 50$ voucher expired in 45 days I couldn't use....

Full review

So a David Jones salesman pestered me into enrolling into this card and rewards program: You'll get a 50$ voucher, 100$annual fees, worth it etc. Special events and what not was promised. 50$ voucher expired in 45 days I couldn't use. Forced myself into using a highly surcharged American Express. So useless is this credit card that I kept it home. There was a $15 subscription to keep it alive. 5th and 6th Month I missed this payment (owing largely to the awful nature of the card itself, it was erased from my memory). Instead of informing me, they sent a letter giving me 6 days to pay and a credit agency would be holding this information.

    Price   0 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

Less

Abhi, Australian Capital Territory, reviewed about 3 years ago

David Jones

David Jones American Express Card (Membership Rewards) credit card review

Overall rating   9 / 10

Great rewards

Great rewards.

Full review

Great rewards.

    Price   8 / 10

    Features   10 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Lynne, New South Wales, reviewed over 3 years ago

David Jones

David Jones American Express Card (Membership Rewards) credit card review

Overall rating   1 / 10

Hidden fees. Shocking service.

Claim to offer complementary deferred payment plan on spend over $250. When used, $35 fee gets charged - unable to get AMEX to remove it. Impossible to find out who to contact at DJs. Should be a great card, but AMEX acting in own interest,...

Full review

Claim to offer complementary deferred payment plan on spend over $250. When used, $35 fee gets charged - unable to get AMEX to remove it. Impossible to find out who to contact at DJs. Should be a great card, but AMEX acting in own interest, totally disregarding DJ customer experience. Avoid if you can. Better cards and deals out there.

    Price   0 / 10

    Features   6 / 10

    Customer service   0 / 10

    Convenience   6 / 10

    Trust   0 / 10

Less

Jack, New South Wales, reviewed over 3 years ago

David Jones

David Jones American Express Platinum Card (Membership Rewards) credit card review

Overall rating   9 / 10

access to David Jones discounts

Convenient

Full review

Convenient

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   10 / 10

Less

Phisith, New South Wales, reviewed over 3 years ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

What do you need to apply for a David Jones credit card? What do you need to apply for a David Jones credit card?

Ready to be rewarded? The eligibility requirements for a David Jones credit card include:

  • You are 18 years or over
  • Have a good credit history and no record of defaults
  • Are a permanent resident or citizen of Australia
  • Have a household income of at least $40,000 a year or $65,000 if you’re applying for a platinum card
  • If you’re self employed, your business needs to have been running for at least 18 months

You’ll also need to provide your personal details, employment and income details, as well as records of any assets or debts you have.

For more information on how to apply for a credit card, check out our handy guide.

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