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, 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, 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.

User reviews

4.0 out of 5.0 based on 18 reviews72% 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.

Helps me buy what I want, when I want

Reviewed and recommended by Rosa on 13 Nov 2016

This card helps me buy what I want, when I want. It’s very easy to use and I love the David Jones staff and service — they make my days and shopping experience wonderful.

I will recommend the card to anyone, which I already have. My mom loves it — top class service. Best card ever! I love you, David Jones.

Rewards points and David Jones in-store bonuses

Reviewed and recommended by Shona on 08 Nov 2016

With frequent flyer points racked up every time I purchase something, I get great rewards with this card. I also get special deals from David Jones, including interest-free months on payment, especially around Christmas. I also get free wrapping on presents in store with the DJ AmEx card. I love this.

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.

I earned points on this card

Reviewed and recommended by karla on 20 Sep 2016

Great to earn points while you shop. I enjoy shopping online and looking at all the bargains, specials, and the beauty packs, and you get something for free.

It’s a flexible card but they put too many fees on if you get a paper statement sent in the mail.

It’s a great card to have. You can also have a supplementary card.

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.

Amazing card!

Reviewed and recommended by Daniel on 07 Jul 2016

A great card that provides rewards at a reasonable annual fee, along with great promotions when you use your card at David Jones. Plus the great benefits of American Express Connect provides member-only offers to your card. Choice of either Qantas Points or Amex Membership Rewards programs when joining.

Show 8 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.

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
whichever is greater, $30 or 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
0.5 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.

Similar cards

More cards like this one

This card is listed in these comparisons

Win up to $1,000

When you get your credit score and apply for a credit card by March 1, 2019.
Featured in
Compare these cards: