David Jones Card (Qantas Points)
Bonus PointsReceive 7,500 Qantas Points when you apply online, are approved and spend $750 outside David Jones within the first three months of becoming a Card Member.
- Last updated on 04 Aug 2020
Balance Transfer Rate
Max Free Days
- Purchase protection insurance
- Special events
Number free supplementary
Interest Free Days
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Maximum credit limit
Late Payment Fee
Minimum credit limit
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Minimum repayment dollars
Duplicate statement fee
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Supplementary card annual fee
Cash advance rate
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Foreign Exchange Fee
3% on Amex
Estimated ATM Cost
Qantas Frequent Flyer
Gift Card, Domestic Flights, International Flights, Flight Upgrades, Qantas Shop, Qantas Hotels
|1.5 points for $1 spent||AMEX||uncapped||major supermarkets and petrol stations|
|1 point for $1 spent||AMEX||uncapped||David Jones|
|0.5 points 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 7,500 Qantas 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
Balance Transfer and Cash Advance not available
Compare and review credit cards with similar features
American Express David Jones Card (Membership Rewards)
Bonus PointsReceive 15,000 Membership Reward points when you are approved and spend $750 at locations excluding David Jones on your new card within the first three months. Available to New David Jones American Express Card Members only
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 American Express David Jones Card is one of many AMEX cards that comes with rewards and benefits. Cardholders can earn Qantas Frequent Flyer points on all eligible transactions, with more points earned per dollar when shopping at David Jones and major supermarkets and petrol stations.
Cardholders can also enjoy a number of complimentary services, including gift wrapping, home delivery and flexible payment options. Several additional services are also included, such as purchase protection insurance, online fraud protection guarantee and emergency card replacement.
Like many rewards cards, these perks and benefits do come at a cost. The American Express David Jones Card has a high interest rate on purchases, and does not offer balance transfers or cash advances. Consumers who choose this card can also expect to pay a moderate annual fee, with a moderately low number of interest free days.
- Earn Qantas Frequent Flyer points
- Free purchase protection insurance
- Free David Jones home delivery
- High interest rate
- Annual fee
- Additional cardholder fee (after first year)
Who is it good for?
The American Express David Jones Card provides a number of perks and benefits. Its main draw is the generous amount of rewards points earned per dollar when shopping at David Jones, as well as at major petrol stations and supermarkets, including Coles and Woolworths. This makes this credit card suitable for not only regular David Jones customers, but also anyone who shops at major supermarkets. The ability to convert these points into Qantas Frequent Flyer points also makes this card suitable for current members of this program.
This credit card also comes with deferred payment options for men and women’s apparel purchased at David Jones, as well as a similar deferred payment option for purchases made at David Jones during the Christmas period. Consumers who already make a moderate amount of retail purchases could take advantage of this, provided that they can realistically pay off the balance within three months.
What RateCity says
The American Express David Jones Card has no shortage of perks and benefits. As the name implies, this card is both targeted at and suitable for regular David Jones customers, as well as those who make a moderate to high amount of retail transactions regularly.
However, some of this card’s perks could present a problem. The deferred payment options for David Jones purchases essentially provides three months’ interest-free on these transactions, after which they will convert to the card’s high interest rate. Cardholders should make sure to keep a close eye on the end date of these promotions to avoid paying high interest.
The card’s high interest rate and rewards system for big spenders could lead to interest adding up quickly. But for savvy credit card users who stay on top of their credit card payments, this credit card could provide value for its moderate annual fee.
To apply for the American Express David Jones Card, you must be at least 18 years old and have a good credit history with no payment defaults. You must also meet a minimum income requirement to be eligible. Australian citizens or permanent residents, as well as those with business long stay visas, are eligible to apply. The online application should take about 10 minutes, and you can expect a response from AMEX within five to 10 working days.
About the lender
American Express, also known as AMEX, was founded in 1850 and is most commonly known as a major international credit card provider. Headquartered in New York City, it also has businesses in traveller’s cheques, financial advice, travel, publishing and personal banking. Today, American Express employs more than 56,000 people worldwide, and has an Australian office in Sydney. Worldwide, AMEX has over 100 million cards issued, almost half of which are in the United States.
Property Personal Finance Writer
A property and personal finance writer, Nick Bendel covers property, loans, credit cards, superannuation, and other bank products. Nick has previously written for The Adviser, Mortgage Business, Lifehacker, Business Insider, Yahoo Finance, and InvestorDaily, and loves getting elbow-deep in the latest ABS, APRA and RBA data.
If you have a bad credit score, you might encounter two main problems. First, the lower your credit score, the more likely you are to be rejected when you apply for a loan or any other credit product. Second, if your application is accepted, the less likely you are to qualify for the lowest interest rates.
The reason Equifax, Experian and Illion use different scores is because they are independent companies with their own different methodologies. As a result, a score of, say, 700 would mean different things at different credit reporting bureaus.
However, the one thing they have in common is that they divide their scores into five tiers. So if you receive a tier-two credit score from one bureau, you will probably receive a tier-two score from the others, as well.
Yes, as credit card providers look at your annual income amount as well as your occupation. Minimum income requirements tend to be between $30,000 – $40,000 for standard and rewards credit cards, however low income credit cards can have minimum income requirements as low as $15,000 per year.
There are two reasons you should check your credit rating: so you have a better understanding of your financial position, and so you can take action (if necessary) to improve your credit rating.
Lenders use credit ratings or credit scores to assess loan applications. The higher your score, the more likely you are to get approved, and the more likely you are to be charged lower interest rates and lower fees. Conversely, the lower your credit score, the less likely you are to get approved, and the more likely you are to be charged higher interest rates and higher fees.
Credit cards are a quick and convenient way to pay for items in store, online or over the phone. You can use a credit card as a cashless way to pay for goods or services, both locally and overseas. You can also use a credit card to make a cash advance, which gives you the flexibility to withdraw cash from your credit card account. Because a credit card uses the bank’s funds instead of your own, you will be charged interest on the money you spend – unless you pay off the entire debt within the interest-free period. If you pay the minimum monthly repayment, you will be charged interest. There are many different credit card options on the market, all offering different interest rates and reward options.
A balance transfer credit card lets you transfer your debt balance from one credit card to another. A balance transfer credit card generally has a 0 per cent interest rate for a set period of time. When you roll your debt balance over to a new credit card, you’ll be able to take advantage of the interest-free period to pay your credit card debt off faster without accruing additional interest charges. If your application is approved, the provider will pay out your old credit card and transfer your debt balance over to the new card.
For most Australians, there are no great barriers to applying for and getting approved for a credit card. Here are some points that a lender will consider when assessing your credit card application.
Credit score: A bad credit score is not the be all and end all of your application, but it may stop you being approved for a higher credit limit. If your credit score is less than perfect, apply for the credit limit that you need, rather than the one you want.
Annual income: Most credit cards have minimum annual income requirements. Make sure you’re applying for a card where you meet the minimum.
Age & residency: You need to be at least 18 years old to apply for a credit card in Australia, and most require that you are an Australian citizen or permanent resident. However, there are some credit cards available to temporary residents.
There is no one-size-fits-all best rewards credit card. It's best you research what type of rewards program you'd like, as well as the fees, interest rate and conditions associated with those types of cards before making a choice.
Rewards credit cards 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.
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.
If you’re wondering about how to make a credit card online application, here are some steps to follow:
- Test the market. Many credit card options are available online. Compare providers by fees, interest and perks to ensure you’re getting the best deal.
- Complete the application. Once you’ve selected a card, head to the provider’s website and complete the online credit card application form. Forms vary by providers.
- Provide details. Most cards require you to meet age, residency, income and credit status condition, and you need to provide details like a bank account statement to prove this.
- Review details. Ensure the information you’ve entered is correct.