David Jones Card (Membership Rewards)
Bonus PointsReceive 15,000 Reward points when you apply online, are approved and spend $750 outside David Jones within the first three months of becoming a Card Member.
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Late Payment Fee
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Duplicate statement fee
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Supplementary card annual fee
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Foreign Exchange Fee
3% on Amex
Estimated ATM Cost
Amex Membership Rewards (David Jones)
Gift Card, Cash Back
457 Visa holder
|3 points for $1 spent||AMEX||uncapped||major supermarkets and petrol stations|
|2 points for $1 spent||AMEX||uncapped||David Jones|
|1 point for $1 spent||AMEX||uncapped||all other eligible purchases|
- Purchase Protection Insurance 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
- Bonus Points Receive 15,000 Reward points when you apply online, are approved and spend $750 outside David Jones within the first three months of becoming a Card Member.
No annual fee for the first year for new Supplementary Card holders. Complimentary standard delivery for items purchased instore or online at David Jones with the Card
Balance Transfer and Cash Advance not available
Compare and review credit cards with similar features
American Express, commonly known as AMEX, is a multinational financial services corporation headquartered in New York.
AMEX is the world’s largest credit card issuer by purchase volume. Alongside AMEX credit cards, the company provides personal financial products such as travellers’ cheques, as well as business and corporate financial services.
American Express has a corporate office in Sydney and various currency exchanges around Australia, but no dedicated customer service branches. ATM access is available through AMEX’s network of partner ATMs.
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.
If you’ve recently used your credit card to pay for something over the phone or online, you would have been asked to provide a CVV number. CVV stands for ‘card verification value’, and is also sometimes referred to as a CVC or card verification code.
A CVV code is usually needed when the card is used online or over the phone as an anti-fraud measure. Without the cardholder being physically present to sign or verify the purchase, the CVV provides an extra layer of protection.
If you’re using Mastercard or Visa, the CVV is usually three digits and is located on the back of the card. If you’re using an American Express, the CVV is usually four digits and is on the front of the card.
Losing your credit card is a serious situation, and could land you in financial trouble. Here is a simple guide detailing what to do when you lose your credit card.
Lock you card – Contact your provider and inform them about your lost credit card. From here lock, block or cancel your card.
Keep track of transactions – Look out for unauthorised credit card transactions. Most banks protect against fraudulent transactions.
Address recurring charges – If your card is linked to recurring charges (gym membership, rent, utilities), contact those businesses.
Check credit rate – To ensure you’re not the victim of identity theft, check your credit rating a month or two after you lose your credit card.
Credit cards offering rewards can be great if you know you’ll use the card enough to get significant rewards points, and use the rewards you earn.
They can also come with high annual fees that may end up nullifying the rewards, so think how often you use the card to decide whether the benefits outweigh the extra cost for you. A card with a lower annual fee might require a lot of spending to get any useful rewards, while another card with a higher annual fee might need fewer purchases to get a reward.
Also, think about the types of benefits you’d like. There’s no point in getting a card with rewards for retailers you never visit, or travel you don’t have time to use.
The numbers on your credit card actually follow a universal standard which is used to identify specific functions. Each credit card has a different amount of numbers: Visa and Mastercard have 16, American Express has 15 and Diner’s Club has 14. The first number on a credit card always identifies what type of credit card it is. Visa cards start with a 4, whereas Mastercard starts with a 5 and American Express with a 3. The remainder of the digits represent the account number, including the last number which is used to verify that your credit card is actually valid. Credit cards also have additional verification numbers, which are mainly used when the card isn’t present for phone and online purchases. These are the three-digit numbers on the back of Visa and MasterCard or the four-digit numbers on the front of an American Express card.
Looking to get your first credit card? You might be confused as to exactly where to go to apply for one. Here’s where to go when you are ready to put in that application.
The bank: Your bank is a great place to start, provided that you have a good banking history. Since you already have a financial history, you have more chance of your application being approved.
Credit card provider: Another option is to apply for a credit card directly from the issuer, such as Visa, Mastercard or Amex. This will most likely be an online application, so do your research and apply for a suitable card for your circumstances.
Major retailers: Coles, Woolworths, Myer and David Jones all have credit cards available. But watch out for the interest rate and annual fees – these cards are designed to help you spend more in store.