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David Jones Card (Membership Rewards)



Electronic Wallet Service

Important Rates


Balance Transfer

Overseas spending



Earn Rates

RateCard TypeEarnsCondition
3 points for $1 spentAMEXuncappedmajor supermarkets and petrol stations
2 points for $1 spentAMEXuncappedDavid Jones
1 point for $1 spentAMEXuncappedall other eligible purchases
  • Purchase Protection Covers up to $3,000 per item and $20,000 per year with a $50 excess within 90 days of purchase
  • Special Events Exclusive Fashion Events such as Four days of Fashion, Previews and special Card Member shopping events


The David Jones American Express card has a moderate annual fee, high interest rates and moderately low number of interest-free days. The card has an associated rewards scheme.

The rewards scheme earns 3 Reward Points per $1 spent at major supermarkets and petrol stations and 2 Reward Points per $1 when you spend at David Jones, as well as 1 Reward Point per $1 spent everywhere else. The rewards program also offers David Jones customers complimentary standard delivery, free gift wrapping, Fashion Pay Later Option and a Christmas Deferred Payment Option.

With this card, American Express delivers purchase protection and an online fraud protection guarantee for any unauthorised charges online. You’ll also get emergency card replacement and global card support. The card can be used with Apple Pay, Samsung Pay and Google Pay.

  • Earn Membership Rewards points
  • Free delivery from David Jones
  • Purchase protection and fraud detection
  • High interest rates
  • Moderate annual fee
  • Moderately low interest-free days


Who is it good for?

The David Jones American Express credit card is well suited to David Jones customers as well as those who want shopping rewards. With this card, David Jones customers receive several benefits, such as complimentary standard delivery when you shop in-store or online.

The high interest rates on this card make it a suitable choice for card holders who pay their bill in full each month. For other potential card holders, this card offers few advantages.

The David Jones American Express card is not particularly well suited to budget card holders. The card charges a moderate annual fee that will not benefit those who are looking for a no-fee credit card. There are cards on the market with lower interest rates and no annual fee that may better suit budget customers.

What RateCity says

This card may be a sensible choice for customers who shop at David Jones regularly, as it earns 3 Rewards Points per $1 spent at large supermarkets and petrol stations and 2 Rewards Points per $1 when you shop at David Jones. However, for potential customers who do not regularly buy at David Jones, this card offers little benefit.

This card earns the highest rate of points when shopping at supermarkets and petrol stations, but the lowest rate when making purchases everywhere else, excluding David Jones. This rewards scheme means that customers who do not shop at David Jones are missing out on a large portion of potential rewards.

For those who want credit card rewards but are not current David Jones customers, there are other cards that can offer you a program that may better suit your shopping preferences.


Eligible customers for the David Jones American Express credit card must be at least 18 years old, have a good credit history and no payment defaults. Applicants must be either an Australian citizen, an Australian permanent resident or hold a business long stay visa. Customers must also have a personal or household income of $40,000 or more per year. Applying online takes only 10 minutes, and applicants will receive a response within five to 10 working days.

About American Express

American Express, sometimes called AMEX, is an American financial services company. Headquartered in New York City, American Express offers a range of services in Australia including travel solutions, insurance, personal credit cards and business credit cards. There are over 110 million American Express credit cards in use across the world. Customers can contact American Express 24/7 either online or over the phone. American Express was founded in 1850 in New York.

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