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David Jones Card (Qantas Points)



Electronic Wallet Service

Important Rates


Balance Transfer

Overseas spending



Earn Rates

RateCard TypeEarnsCondition
1.5 points for $1 spentAMEXuncappedmajor supermarkets and petrol stations
1 point for $1 spentAMEXuncappedDavid Jones
0.5 points 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 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.

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