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David Jones American Express
See the Best Rewards Credit Cards in 2019 as rated by Australians on ProductReview.com.au.
Pros
15,000 Reward Points or 7,500 Qantas Points on offer
Earn up to 3 Reward Points or 1.5 Qantas Points per dollar (1 Reward Point = 0.5 Qantas Points)
Cons
3% Currency Conversion Fee
$99 Annual Fee
Details
If you shop frequently at David Jones, this AmEx card has plenty of features specific to David Jones that you may benefit from. It will cost you $99 each year, but you'll also get no annual fee for the first year for new Additional Card holders ($29 p.a. thereafter). And right now if you apply online for a new card, you'll be eligible to receive either 15,000 Bonus Membership Rewards Points or 7,500 Qantas Points when you are approved and spend $750 outside David Jones in the first three months of become a Card Member.
Key Benefits
- Purchase Protection: You'll be covered for 90 days for the theft or damage to eligible items purchased on your David Jones American Express Card
- Attached Rewards Program: You can choose either American Express Membership Rewards or Qantas Frequent Flyer as your rewards program.
Earning Points:
- 3 Reward Points per dollar spent at major supermarkets and petrol stations
- 2 Reward Points per dollar spent at David Jones
- 1 Reward Point per dollar spent everywhere else
For Qantas Frequent Flyer Points, 1 AMEX Reward Point = 0.5 Qantas Points. This means that if you use this card for your everyday groceries and fuel for your car, you'll receive a pretty good earn rate of 1.5 Qantas Points per dollar.
What are the benefits I can get for shopping at David Jones?
- Complimentary Standard Delivery to any address in Australia (excluding gift cards, hampers and fresh food, Wine Club, Gift Registry and large items)
- Complimentary Gift Wrapping
- Exclusive Fashion Events Invitations
- Up to Four Years Interest Free with no deposit when you spend $500 or more on homewares, furniture, bedding or electrical items at David Jones. Choose from either 12, 18, 24 36 or 48 equal monthly instalments depending on the plan. However, a $35 establishment fee and a $2.95 monthly account keeping fee applies to each new interest free instalment credit option.
- Fashion Pay Later option - defer payments for a period of 3 months on all purchases of women's and men's apparel, shoes and fashion accessories with a single transaction value of $250 or more
- Christmas Deferred Payment Option - available for purchases made at David Jones between 1 November and 24 December. The deferred payment period expires 31 January in the following year.
Fees and Charges
The David Jones American Express Credit Card comes with a 44 day interest free period and an interest rate of 20.74% p.a. on purchases, so if you're looking for a longer interest free period or lower interest rate, this isn't the best card for you. For overseas travel or shopping online from overseas merchants, you won't get any complimentary travel insurances and you'll have to pay a 3% foreign transaction fee, so keep that in mind when deciding if this card suits your needs.
| Category | Rewards Credit Cards |
|---|---|
| Contact Number | 1300 368 989 |
| 24-Hour Phone Contact | Yes |
| Online Live Chat | Yes |
| Card Type | American Express |
| Benefits | Sign-Up Bonus Points Offer |
| Minimum Credit Limit | $2,000 |
| Minimum Income | $40,000 |
| Minimum Repayments | 2.5% |
| Rewards Program | American Express Membership Rewards and Qantas Frequent Flyer |
| Points Earn Rate | 3 points per $1 |
| Points Conditions |
|
| Contactless Payments | Apple Pay, Google Pay and Samsung Pay |
| Rates & Fees | |
| Purchase Rate | 20.74% p.a. |
| Cash Advance Fee | 2% |
| Late Payment Fee | $30 |
| Annual Fee | $99 p.a. |
| Foreign Transaction Fee | 3% |
| Interest Free Period | 44 days |
| Introductory Offers | |
| Sign-Up Bonus | 15,000 Membership Rewards Points or 7,500 Qantas Points when you spend $750 outside David Jones within the first 3 months. |
| Release date | Dec 2008 |
Visit official website
Up to Four Years Interest Free on certain DJ's purchases over $500
We price matched other retailers with David Jones to furnish our new house with furniture and white goods. We signed up during a bonus points promotion and earned more points on our purchases. Great card for DJ's customers.
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RonnieThe Mallee, VIC
Its mediocore credit card
pro's
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.
con's
...Read more
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J HarveySydney Surrounds, NSW
- 4 reviews
Alright card for signup bonus and supermarket/petrol spending
Recently the benefits of the cards have been cut significantly (in terms of points earning potential) but nevertheless it can prove useful to have.
The card earns 3 DJ MR (David Jones Membership Rewards) points per dollar when spending at major supermarkets and petrol stations which can be redeemed for things like gift cards (e.g. 15000 DJ MR points needed for $100 DJ gift card as of Oct 2019). Be aware that these Amex points are not interchangeable with points on other cards (e.g. the Amex Explorer, Platinum Edge etc.) so redemption rates wi...Read more
ll differ. At David Jones you earn 2 DJ MR points per dollar which is also reasonable and you can get free gift wrapping + special offers. Spending for everything else only gives you 1 DJ MR point which is a poor earn rate, so I'd only recommend this card for spending at supermarkets, petrol stations, and David Jones (use another AmEx card or high tier VISA/MasterCard for other spending if you have those cards available). Alternatively you can earn Qantas points instead with each DJ MR point worth 0.5 Qantas Points (as of Oct 2019) making supermarket/petrol spending give you 1.5 Qantas Points per $ spent. This earn rate is higher than any other card out there in Australia at the moment as far as I know. Some tips: DO NOT let the David Jones saleswomen/salesmen talk you into getting this card with them unless they can promise you at least a 45000 point signup bonus. Whenever I am there the staff pester me to signup with only a 15000 point bonus (they don't know that I already have the card and am aware that there are far better sign-up bonuses for this card if you are prepared to wait for them). If DJ staff pester you to upgrade to the platinum version of this card don't even consider this unless they offer 45000 additional DJ MR Points to at least cover the $295 annual fee that card has (even then the platinum version is not a great value proposition). I think the DJ staff get a monetary bonus or something like that which probably explains why some of them really try to push you to signup or upgrade this card.Similar opinion? Write a review on ProductReview.com.au!
WL77Sydney, NSW
- 8 reviews
Alright
Pro: It is nice to get extra discount when purchasing at David Jones store.
Con: Amex cards are not accepted by some retailers and some would charger a higher fee.
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The reviewer stated that an incentive was offered for this review
SamGreater Melbourne (Metropolitan), VIC
- 5 reviews
You can earn 4 points of each dollar spend in David Jones. It is very convenience for the shoppers always shop in the DJ
You can earn point easily with this card. Most of all places can earn points. However, some small store that do not accept Amex. Probably they charge too much for them.
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The reviewer stated that an incentive was offered for this review
dsharmaSydney, NSW
- 6 reviews
Great great great rewards
We got it when shopping and wanted something delivered as they didn't have it at that David jones. Salegirl suggested to go for this card. I think its great as we get points on each spend and i jave been able to redeem those points for David Jones purchased. It just suits my need well. Its very simple to redeem points when buying online. Delivery is free with this card. I know Amex isn't acceptable but in supermarkets, fuel stores it is.
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Andre B.Greater Melbourne (Metropolitan), VIC
Good only if you shop frequently at David Jones
Got this card when shopping at David Jones for a housewarming gift. We wanted the gift gift wrapped, so we asked the salesman who promptly advised we would get free gift wrapping if we had the David Jones Amex Card. We would also receive a $150 gift card in the form of David Jones Points. We thought yeah why not! The catch is however there is a $99 annual fee. We decided to sign up and to this day, 15 months later.. I still haven't paid it off :(
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RabiSydney, NSW
- Verified customer
Tia card is only good for David Jones shopping and complementary shipping
Complementary shipping, doesn’t really matter where you are in Australia.
every now and then you get extra 10% discount on the sale items.
Drawbacks: most of the retailers charge to use Amex or doesn’t accept Amex.
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The reviewer stated that an incentive was offered for this review
TammySydney, NSW
- 5 reviews
- 1 like
Good for David Jones points
Signed up with David Jones Promotion and cancelled after a year. I like the redeem points and free shipping features when using this card with David Jones online. Easy to convert the points to goods with fair transfer rate. I never use the card outside Australia.
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bloomerGreater Melbourne (Metropolitan), VIC
- 11 reviews
- 1 like
Useful for some people
The David Jones-flavoured American Express card used to be a bit of a poor man in the collection, because the conversion rates of the points earned was poorer than other AmEx cards. This changed in 2019 when most AmEx cards were devalued (in terms of points conversion). If you shop at David Jones then there are some perks, like free delivery and occasional special offers.
As with many AmEx cards now, the best way to earn points with them is at supermarkets/petrol stations (yes, even the David Jones AmEx earns more at supermarkets than it does...Read more
at David Jones!). The earn rate for everyday purchases is poor to very poor (especially for utilities), and the card is not suitable for cheap use overseas. There are occasional modest signup bonuses, some more attractive than others. The annual fee of $99 is small enough to make the card a friendly addition to your wallet.Similar opinion? Write a review on ProductReview.com.au!
Gokhan D.Sydney, NSW
- 6 reviews
- 1 like
Great points system
I signed up at the time they were giving bonus DJ's points & got my work signed up also.They even gave me additional points for each referral. I ended up converting them to over 1k is David Jones gift card
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The reviewer stated that an incentive was offered for this review
L WangSouth East Queensland, QLD
Frequently used credit card
Easy to accumulate points and redeem them into credits or David jones shopping items
Really good for daily shopping usage, such as supermarket and online shopping
Have not tried to use it overseas yet
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The reviewer stated that an incentive was offered for this review
wooziePerth, WA
- 20 reviews
- 3 likes
- Verified customer
Good value so far...
I signed up to the DJ Amex card through a 3rd party website with no issues. Got my 45,000 DJ points promptly after spending $1500 in 3 months. With the $99 annual fee, it's like getting a free $200 to spend at DJ. These points can also be taken as airline points, but I didn't look into this. The free standard shipping for DJ purchases is great value with this card- you save $10 each time if your order is less than $100. It's with AusPost and tracked- usually taking 6- 7 days for me. This makes DJ much more competitive with other aussie retailer...Read more
s, as many of its sale products are not available in local stores. Tracking my spend is easy with the Amex app and you do get Amex offers, although I'm not sure if it's as many as my old Amex issued card. The only offer I've taken up so far is $5 back for a $10 spend at Woolies. I've recently used my DJ points for an online purchase and it was hassle free.Similar opinion? Write a review on ProductReview.com.au!
jim muttonSouth East Queensland, QLD
- 4 reviews
great card no problems at all
we found the david jones american express card among the simplest to use and the rewards program also very good and efficent and we turn our points into cash for christmas easy money and it is surprising just how quickly the points mount up good as or better than most others
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sheema Z.Sydney, NSW
Worth credit card
The worth credit card i have ever used in my life. Please dont apply for this credit card at all. The customer service are really bad and even the managers or supervisor are not helpfull. You can get other credit cards with more benefits.
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Lyndon and AynsleeSouth East Queensland, QLD
- 8 reviews
USE YOUR DAVID JONES AMEX CARD WISELY
My wife and I have used our D.J. AMEX card now for many years. At least five times a year we cash in a $100 credit. Who's complaining - we love it. We pay for the things that are essential only. Fuel, HCF, groceries, Bunnings, Chemist Warehouse and any other store that doesn't charge a fee for using AMEX.
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The reviewer stated that an incentive was offered for this review
KapilGreater Melbourne (Metropolitan), VIC
Alright card
I am alright with the card, i use and pay on time, don't use the card much. Always been a cash person and try to use cash as much as possible.
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Dave
- 8 reviews
- 3 likes
Loyalty card requiring a credit check
Pretty poor card 1. The reward points have significantly less value per point then the standard amex cards. 2. If in store they will convince you to get the card to save 10 percent. Issue is the process to sign up and also ensure that you meet the sign up annual fee waiver is messy (I.e 3 transactions in a short period) . The card is essentially a standard loyalty card but requires a credit check.
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JJKGreater Melbourne (Inner), VIC
Customer support nightmares not worth your time
I’ve not experienced a worse customer service than from David Jones American Express team. They do not stick to their promises at all. I’ve been eligible for a $250 David Jones gift voucher which never arrived since last May 2018. It’s Feb 2019 as I write this. I still haven’t received it and each time I make a call, I’m told it’s being processed and that I will get a call back or that the card should arrive in 7 to 10 days... That’s how we’ve ended up here. This company clearly is experiencing a lot of issues, I would not be surprised to see it collapse at the rate they are managing clients. I’ve canceled the card and discourage strongly of anyone looking to sign up to this migraine inducing experience.
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BijayAustralian Capital Territory
- 4 reviews
- 1 like
Great card to have.
I have always liked Amex, since I have used an Amex before in another country. I have never had any problems with it whatsoever. Most of the retailers don’t accept Amex but then, it is not necessarily a bad thing. It sometimes helps me spend in a controlled manner.
The points that you can accumulate over a certain period is something which is unparalleled as compared to most if not all of the credit cards available out there. I have used my points on purchases at David Jones and the ease of using them is something I have found really impressi...Read more
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Questions & Answers
joshgladwinasked
Hello. Is there any way of obtaining a higher credit limit than $2,000 or is that the maximum credit limit? I've had the card for over 2 years and have made numerous requests for credit limit increases, only to be declined every time. I have more than sufficient evidence of income.
No answers
Edithasked
I want to cancel my credit card. Can I do this at my local David Jones store?
Phill Chauasked
how can I activate my card?
2 answers
I would call the number on the back of your card but now that Amex is involved nothing is straight forward. So much easier when DJs were managing their store cards and much nicer staff to speak to.
You can do this online.
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