David Jones American Express Card

20.74% p.a.

No current offer

$99

20.74% p.a.

No current offer

$99

David Jones American Express Card Review

Review published: 4 October 2017

What's hot:

  • Up to 20,000 bonus points available

  • Up to 3 points earned per dollar spent

  • David Jones in-store benefits

What's not:

  • $99 annual card fee

Mozo snapshot:

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 points per dollar spent at a host of major Aussie retailers.

Key features:

This rewards card comes with a pretty tasty introductory offer of either 20,000 Reward Points or 15,000 Qantas Points when you use this credit card outside of David Jones three times within your first month. 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.

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 retailers 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 0.75 Qantas Points per every Reward Point which means you’ll be earning 2.25 Qantas Points per dollar spent at those same major supermarkets and petrol stations, 1.5 per dollar spent at David Jones and 0.75 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.

Who it's 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 the 1.5-2 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, complimentary gift wrapping and up to four years interest free on homewares, furniture, bedding and electrical purchases worth $500 or more.

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.

How are David Jones credit cards rated by the Mozo community?

Product Type Overall Rating Price Features Service Convenience Trust
4.9

Based on 15
David Jones credit cards reviews

3.5 5.1 5.1 5.0 4.9

Read David Jones credit card reviews by the Mozo community

Latest reviews of David Jones American Express Card

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 (NSW), reviewed 4 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 (ACT), reviewed over 2 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 (NSW), reviewed almost 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 (NSW), reviewed almost 3 years ago

David Jones

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

Overall rating   9 / 10

Great customer service !

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...

Full review

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 Net banking online so you know how many points you have, when your 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. Over all it's a great card and I really like it, I recommend this to anyone that would like a credit card .

    Price   2 / 10

    Features   9 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   6 / 10

Less

Pauge (NSW), reviewed over 3 years ago

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.

Currently showing

Revealing rewards

How do we do it?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,
  • figure out how many flights or gift cards or cashback credits you could get for those points,
  • work out what that's actually worth to you,
  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
  • Shopping rewards are based on $100 gift cards from a major national department store.
  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Rewards scheme

  • You can redeem your points for Gift Cards including David Jones and many other retailers; travel through our range of partners including Webjet; entertainment; merchandise or even a credit on your account.
  • Flights may be redeemed via Velocity Frequent Flyer
  • 3 points per $1 spent at major supermarkets and petrol stations, and 2 point per $1 spent at David Jones.

Privileges

  • Purchase Protection
  • Account alerts by SMS

Special offers

  • Receive 20,000 bonus Membership Rewards points when you spend outside of David Jones three times within the first month of receiving your card

Value of rewards points

  • Need to spend $14,500 (AmEx)

  • Need to spend $13,500 (AmEx)

  • Need to spend $15,600 (AmEx)

  • Need to spend $239,200 (AmEx)

  • Uncapped

  • Never

Details behind our 'value of rewards' calculations

  • 1 point per dollar on Amex, uncapped

  • 14500 points buys a $100 credit

  • 13500 points buys a David Jones $100 Gift Card

  • 1 points buys 0.5 Velocity Points; 7800 Velocity Points buys a Virgin Australia Sydney-Melbourne flight

  • 1 points buys 0.5 Velocity Points; 119600 Velocity Points buys a Velocity partner Sydney-London flight

* How did we do it? Find out...

Rates

  • 20.74% p.a.

  • none

  • No current offer

  • none

  • none

  • 44

Fees

  • $99.00

  • none

  • none

  • none

  • $30.00

  • none

  • 3.00%

  • $10.00

  • $7.00

  • $29.00

Other financial bits

  • $30.00

  • 2.5

Features

  • 4

  • none

  • First year Supplementary Card fee waiver available on approved Supplementary Cards

Rewards scheme

  • Points are automatically credited to Qantas Frequent Flyer Program.
  • All rewards are redeemed via Qantas Frequent Flyer
  • 2.25 points per $1 spent at major supermarkets and petrol stations, and 1.5 points per $1 spent at David Jones.

Privileges

  • Purchase Protection
  • Account alerts by SMS

Special offers

  • Receive 15,000 bonus Qantas Points when you spend outside of David Jones three times within the first month of receiving your card

Value of rewards points

  • Need to spend $21,173 (AmEx)

  • Need to spend $10,667 (AmEx)

  • Need to spend $160,000 (AmEx)

  • Uncapped

  • Never

Details behind our 'value of rewards' calculations

  • 0.75 points per dollar on Amex, uncapped

  • 15880 points buys a David Jones $100 Gift Card

  • 8000 points buys a Qantas Sydney-Melbourne flight

  • 120000 points buys a Qantas Sydney-London flight

* How did we do it? Find out...

Rates

  • 20.74% p.a.

  • none

  • No current offer

  • none

  • none

  • 44

Fees

  • $99.00

  • none

  • none

  • none

  • $30.00

  • none

  • 3.00%

  • $10.00

  • $7.00

  • $29.00

Other financial bits

  • $30.00

  • 2.5

Features

  • 4

  • none

  • First year Supplementary Card fee waiver available on approved Supplementary Cards

About David Jones

David Jones is an Australian retailer whose primary business is a chain of premium department stores. In 2008, the company announced it would be launching its own David Jones American Express card, complete with a rewards package for its customers. The David Jones American Express Card is the credit card that turns every dollar you spend into Gift Points, which can then be redeemed for items such as the DJs Gift Card or flights with Qantas and other leading airlines.

**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.

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