American Express David Jones Credit Card | Review

American Express David Jones Credit Card

My monthly spend: 
$5,000
 
Offer
Card features
Rewards program
Earn rate
Sign up bonus
Points earned
American Express David Jones Credit Card
Receive 15,000 Membership Rewards points or 7,500 Qantas Points when you apply online, are approved and spend $750 outside of David Jones within the first 3 months of becoming a Card Member.
Earn up to 3 Reward Points per $1 spent at major supermarkets and petrol stations, 2 Reward Points per $1 spent at David Jones, and 1 Reward Point per $1 spent elsewhere.
Flexibility to choose Qantas Frequent Flyer or Membership Rewards as your rewards program.
Add to comparison
Membership RewardsQantas Frequent Flyer
Membership Rewards or Qantas Frequent Flyer
1 pt
per $1 spent
15,000
Membership Rewards points
after spend criteria

Pros & cons

What's good?

What's not so good?

Receive 15,000 Membership Rewards points or 7,500 Qantas Points when you apply online, are approved and spend $750 outside of David Jones within the first 3 months of becoming a Card Member.
Flexibility to choose Qantas Frequent Flyer or Membership Rewards as your rewards program.
Loads of in-store benefits and perks at David Jones such as complimentary home delivery, complimentary gift wrapping and exclusive fashion events and more.
No points capping.
No additional card member fee for the first year.
Spending outside of major supermarkets, major petrol stations, and David Jones stores the points earn rate drops to 1 Reward Point per dollar spent.
The $99 p.a. annual fee is around the average.
People who might want to do a balance transfer onto this card cannot do so.
Interest rates on purchases are at the higher end of the range.
Disclaimer: Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

Our review

Our review of the American Express David Jones Credit CardReviewed by Yvonne Taylor

If you’re not already a regular DJ’s customer, this card may 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 rewards 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 of 1.0 Amex points = 0.5 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:

  • Purchases at major supermarkets & petrol stations: 3 points per dollar
  • Purchases at DJs: 2 points per dollar
  • Purchases everywhere else: 1 point per dollar

But don’t forget that the points conversion rate means that QFF points are earned at only 50% of the standard Amex points rate. So the QFF points earnings rate looks like this:

  • Purchases at major supermarkets & petrol stations: 1.5 points per dollar
  • Purchases at DJ:s 1.0 points per dollar
  • Purchases everywhere else: 0.5 points per dollar

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.

There’s no cap on the number of points you can earn, and points will never expire provided your card account is current.

  1. 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 at least $750 in non-DJs purchases in the first three months of holding the card, you’ll be rewarded with 15,000 Amex points or 7,500 QFF points.

The bonus points offer is for new card members only, so is not available to existing David Jones American Express cardholders.

Redeeming points

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 and upgrades or gift cards and merchandise redemption options.

For those choosing Membership Rewards instead, the points can be used to shop online at David Jones (including purchasing DJs gift cards), 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 Marriott Bonvoy’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:

  • Up to four years interest free with no deposit when you spend at least $500 (in-store only) on homewares, furniture, bedding or electrical items (note the $35 credit establishment fee and $2.95 per month account keeping fee)
  • ‘Fashion pay later’ option – three months deferred payment, interest free, when you spend at least $250 in-store on men’s or women’ fashion clothing, footwear or accessories
  • Defer payment on your in-store Christmas purchases (1st November to 24th December) until 1st February, interest free
  • Complimentary gift wrapping – particularly helpful at Christmas
  • Free standard delivery for items purchased both in-store and online (excludes gift cards, hampers, fresh food, wine club, gift registry and large items)
  • Special offers in-store for cardholders only
  • Exclusive fashion events, previews and cardmember shopping events

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.

American Express benefits

As the holder of an Amex card, you’ll automatically qualify for the Amex Connect program’s constantly updated discount offers on travel, entertainment, shopping and dining. And you’ll be welcome at American Express Invites lounges at theatres in Sydney and Brisbane.

Up-to-the-minute technology

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 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 per year for each extra card.

The purchase interest rate for unpaid balances is 20.74%, well and truly high enough to discourage cardholders from running a balance except on rare occasions. There is no cash advance or balance transfer option with this card, and the interest-free days on purchases work out at up to 44 days, not the more competitive 55 days offered by some cards.

Are there any other options?

If you really are a dyed-in-the-wool DJs shopper, it might be worthwhile looking at the more rewarding (but more expensive) American Express David Jones Platinum Credit Card. For a more down-to-earth store card, consider the Woolworths Qantas Platinum Credit Card or the Coles Rewards Mastercard.

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.

Disclaimer: Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

User reviews

3.9 out of 5.0 based on 14 reviews64% of reviewers would recommend this card

Rates and fees
Rewards
Customer service
Convenience
Trust

Reviews from users

Decent rewards, but AmEx surcharges a hurdle

Reviewed and not recommended by Jonathan on 03 Apr 2017

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.

Points, points, points

Reviewed and recommended by Jae on 04 Dec 2016

The best thing I like about this card is that you can use your points to pay off your account. This means I can spend all year and effectively pay for Christmas. The one thing I like the least is that not all stores accept American Express. However, more stores are coming around.

I get 3 points for every dollar for just buying groceries and petrol (which I have to anyway) at Coles or Woolworths.

I have found this card to be practical and the customer service to be always helpful.

The rewards system is fantastic

Reviewed and recommended by Jordan on 25 Sep 2016

I signed up in-store and it was absolutely amazing! I was given 30,000 bonus points for signing up, which I could convert to account credit ($200), a gift card ($200) or use them as Qantas points. I could even use the promotion points to pay the $99 annual fee and still receive $100 for myself.

Interest rate is higher than I'd like

Reviewed and not recommended by Fernando on 23 Sep 2016

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.

The interest rate is too high

Reviewed and recommended by Marilynna on 20 Sep 2016

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.

High rates, not accepted everywhere

Reviewed and not recommended by Billel on 19 Aug 2016

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.

Happy

Reviewed and recommended by Brad on 01 Jul 2016

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.

Fees are too high, not happy anymore

Reviewed and not recommended by Rose on 23 Jun 2016

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.

Good card: Rewards and excellent customer service

Reviewed and recommended by Frank on 09 Sep 2015

The David Jones American Express card is a good all round card and offers reasonable rewards without the fees being too high as we pay the balance off each month.

The customer service, whenever we have needed it has been excellent. The only drawback we have found is that some places do not accept American Express.

Good everyday AmEx with benefits

Reviewed and recommended by Peter on 19 Jul 2015

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.

Show 4 more reviews
Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

The basics

About this card

Card setup
Single
Card tier
Standard
Card type
American Express
Card use
Personal
Credit rating
No bad credit history
Gambling transactions allowed
No
Joint application
N/A
Minimum age
18 years old
Minimum income
$40,000
Minimum income for pensioners
Same as standard
Pensioners
N/A
Rewards program
Membership Rewards or Qantas Frequent Flyer
Temporary residents
Business Long Stay Visa (subclass 457)

Cardholders

Additional cardholders
Unlimited
Additional card fee
$29 p.a., Free on the first year at $0 p.a.

Credit limits

Minimum credit limit
$2,000
Maximum credit limit
$30,000

Repayments

Interest charged from
Purchase date
Interest free period
Up to 44 days on purchases
Minimum repayment
2.5%

Rates & fees

Ongoing interest rates

MonthlyAnnually
Cash advances N/A N/A
Purchases 1.73% 20.74% p.a.

Fees

Annual fee
$99 p.a.
Cash advance fee
N/A
Dishonour fee
$6
Duplicate statement fee
$10
Foreign exchange fee
3%
Late payment fee
$30
Over limit fee
$15
Overseas ATM balance fee
N/A
Overseas ATM withdrawal fee
N/A
Overseas emergency card replacement fee
N/A
Transaction verification fee
N/A

Rewards & points

Cool stuff you can get with your points

Disclaimer: Points required accurate as of the 31st March 2018.

Rewards program basics

First purchase bonus
15,000 Membership Rewards points
Reward points expiry
Never as long as you keep your account active
Rewards program
Membership Rewards or Qantas Frequent Flyer
Spend required for bonus points
$750 in the first 3 months

Earning points with this card

Frequent flyer points
0.5 pt per $1 spent
Overseas earn rate
Same as standard earn rate
Points cap per month
N/A
Points cap per year
N/A
Points earned on ATO payments
1 pts per $1 spent
Reward points
1 pt per $1 spent

Additional benefits

Airport lounge access
No
Complimentary flight voucher
No
Concierge service
No

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular income of more than $40,000 per year
Have no history of bad credit
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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People are happy
Rated 4.8 out of 5 for customer satisfaction.
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