David Jones American Express Card

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If you’re after a rewards credit card that comes with a few retail perks and gives you the freedom to choose between Membership Rewards or Qantas Frequent Flyer program then this piece of plastic could be the perfect fit for your wallet. With the David Jones American Express Card, you’ll get up to 44 days interest free and earn as many as 3 Membership Reward Points per dollar spent at a host of major Aussie retailers. Plus at the moment you can score 15,000 Membership Reward Points or 7,500 Qantas Points when you're approved and spend $750 at retailers excluding David Jones within the first three months (new Card Members only).

Key features

This rewards card comes with a pretty tasty introductory offer of 15,000 Membership Reward Points or 7,500 Qantas Points when you're approved and spend $750 at retailers excluding David Jones within the first three months (new Card Members only).

As for points, you can choose for yours to go towards either American Express’ Membership Rewards program or Qantas’ Frequent Flyer program. 

On the Membership Rewards program, you’ll be rewarded with 3 Reward Points per dollar spent at major Aussie supermarkets such as Woolworths, Coles and IGA and at a range of petrol stations such as BP, Caltex and Shell as well as 2 points per dollar spent at David Jones and 1 point everywhere else. 

If travel is more your thing and you opt for the Qantas Frequent Flyer Program you’ll be earning 0.5 Qantas Points per every Reward Point which means you’ll be earning 1.5 Qantas Points per dollar spent at those same major supermarkets and petrol stations, 1 Membership Reward Points per dollar spent at David Jones and 0.5 everywhere else.

With the David Jones American Express card your points are uncapped so you can spend as much as you like each month and they’ll also never expire. Be mindful that you’ll be asked to stump up $99 per year for using this card, but you’ll be receiving neat privileges such as purchase protection and SMS account alerts.

To help save on interest, cardholders will have a choice of 12 months interest free with no deposit when you spend $500 or more on your card, in one transaction; or 60 months Interest Free with no deposit when you spend $1,000 or more on your card, in one transaction, across all departments in store or online at David Jones. 

And thanks to the Three Months Pay Later Option, cardholders can defer payments for 3 months when they spend $50 or more on the card, in one transaction, across all departments in store or online at David Jones.

And even though the David Jones American Express Card comes with a 20.74% purchase interest rate, you’ll get up to 44 days interest free if you pay your balance in full each month.

Who is it good for

The David Jones American Express Card is ideal for big spenders, particularly for those who often shop at David Jones. In addition to earning up to 3 Membership Reward Points per dollar spent in-store you’ll also have access to a host of exclusive in-store benefits including the ability to defer your Christmas shopping payments and complimentary gift wrapping. Plus, you'll have the choice of 12 months interest free when you spend $500 or more on the card in a single transaction, or 60 months interest free when you spend $1,000 or more in a single transaction across all David Jones departments online or in-store.  

Any catches

Aside from the $99 annual card fee, you’ll also need to be aware of the $30 late payment fee. You’ll also need an annual income of $40,000, be over the age of 18 and be an Australian citizen or permanent resident to be eligible.