David Jones

David Jones provides two credit card options designed to cater to different spending habits and preferences. Here are the key David Jones credit card options available:

• Rewards credit cards (Premiere): The David Jones Premiere card is an affordable option with a $99 annual fee and a minimum credit limit of $1,000, earning 1 point per dollar on regular spending, 2 points at select petrol stations and supermarkets, and 3 points at David Jones.
• Premium rewards credit cards (Prestige): The David Jones Prestige card, aimed at higher spenders, has a $295 annual fee and offers enhanced points earning, complimentary travel insurance, and Priority Pass airport lounge access.
• Retail-focused credit cards: Both cards are tailored for David Jones shoppers, offering exclusive discounts and benefits at David Jones stores and select partners.
• Everyday credit cards: With flexible earning structures, these cards suit everyday spending while providing additional rewards for retail and travel-related purchases.

David Jones credit cards are designed to elevate the shopping and lifestyle experiences of cardholders. Here are some compelling reasons to consider a David Jones credit card:

• David Jones Points: Earn points on all eligible purchases, with accelerated rates at David Jones, select petrol stations, and supermarkets, redeemable for shopping at David Jones or special offers.
• Complimentary services: Enjoy perks like complimentary gift wrapping and express delivery on David Jones purchases, enhancing convenience and value.
• Exclusive offers: Gain access to members-only discounts, event invitations, and product previews, tailored for David Jones shoppers.
• Additional discounts: Receive a 10% discount on select hotel bookings via Expedia and Wotif through the Latitude App, plus a 6% discount on certain accommodation.
• Premium perks (Prestige): The Prestige card includes complimentary travel insurance, Priority Pass lounge access, free clothing alterations, and access to a personal styling suite.

Eligibility requirements for David Jones credit cards vary slightly, but the following general criteria typically apply:

• Age: Applicants must be at least 18 years old to apply.
• Residency: You must be an Australian resident or a temporary resident with legal work rights for at least 12 months.
• Income: A minimum income level may be required to ensure applicants can manage credit obligations.
• Credit history: Latitude Finance will assess your credit history to determine creditworthiness during the application process.

Confirm the specific eligibility criteria for your chosen card to ensure you meet all requirements before applying.

Applying for a David Jones credit card is a straightforward process, typically completed online or in-store. Follow these general steps to apply:

1. Select a card: Choose between the David Jones Premiere or Prestige card based on your spending habits and desired benefits.
2. Check eligibility: Verify that you meet the eligibility criteria, including age, residency, and financial requirements.
3. Gather documents: Prepare necessary documentation, such as proof of identity (e.g., Australian driver’s licence, Medicare card, or passport), income details, and information about savings, assets, debts, and household expenses.
4. Submit application: Complete the application form online via the David Jones or Latitude Finance website, or apply in person at a David Jones store, ensuring all details are accurate.
5. Wait for approval: Latitude Finance will review your application and conduct a credit check. You’ll be notified of the outcome, typically within a few business days.
6. Receive card: If approved, your David Jones credit card will be mailed to you, along with instructions for activation and use.

Providing accurate and complete information during the application process is essential to improve your chances of approval.

Here are credit card issuers that offer similar features and rates to David Jones cards:

• Coles credit cards
• ING credit cards
• Kogan Money credit cards
• Latitude Financial Services credit cards
• Virgin Money credit cards