David Jones Platinum Card (Membership Rewards)
Bonus PointsReceive 30,000 Rewards points when you are approved and spend $750 outside of David Jones within the first three months of becoming a Card Member.
- Last updated on 07 Jul 2020
Bendigo Bank Low Rate Mastercard
Purchase Offers0% p.a. on purchases for 15 months from account opening. Receive a $150 Woolworths gift card when you spend $3,000 in 90 days.
2% transfer fee applies
for 15 months then 11.99%
Balance Transfer Rate
Max Free Days
- Free domestic travel insurance
- Free international travel insurance
- Free supplementary cards
- Purchase protection insurance
- Extended warranty
- Special events
- Airport lounge
Number free supplementary
Interest Free Days
Interest Free Days
Maximum credit limit
Late Payment Fee
Minimum credit limit
Over limit fee
Minimum repayment dollars
Duplicate statement fee
Minimum repayment percent
Supplementary card annual fee
Cash advance rate
Balance Transfer Rate
Balance Transfer Rate
Balance Transfer Fee
Foreign Exchange Fee
3% on Amex
Estimated ATM Cost
Amex Membership Rewards (David Jones)
Gift Card, Cash Back
|4 points for $1 spent||AMEX||uncapped||David Jones|
|3 points for $1 spent||AMEX||uncapped||major supermarkets and petrol stations|
|1 point for $1 spent||AMEX||uncapped||all other eligible purchases|
- FREE DOMESTIC TRAVEL INSURANCE Available when you use your card to pay for return domestic travel
- FREE INTERNATIONAL TRAVEL INSURANCE Available when you use your Card to pay for return international travel
- FREE SUPPLEMENTARY CARDS Supplementary cardholder must be over 18 years of age
- PURCHASE PROTECTION INSURANCE Covers up to $3,500 per item and $20,000 per year with a $50 excess within 90 days of purchase
- EXTENDED WARRANTY Warranty is extended for the same duration as the original warranty up to 1 year.
- SPECIAL EVENTS Exclusive Season Launch Parades, fashion events and more
- AIRPORT LOUNGE Up to two entries per year into the American Express Lounge at Sydney or Melbourne International Airport
- Bonus Points Receive 30,000 Rewards points when you are approved and spend $750 outside of David Jones within the first three months of becoming a Card Member.
Up to 4 Years Interest Free with No Deposit available on homewares, furniture, bedding and electrical purchases of $500 or more purchased at David Jones. Fashion Pay Later Option - defer payment for 3 months when you spend $250 or more on women's or men's apparel, shoes and fashion accessories instore.
Balance Transfer and Cash Advance not available
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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 Platinum Card (Membership Rewards) features a high interest rate and high annual fee. It also comes with a moderately low number of interest-free days and a moderately low minimum credit limit.
With a David Jones American Express Platinum Card (Membership Rewards), cardholders can earn points for eligible purchases made at David Jones. Points can then be redeemed for David Jones merchandise and gift cards, as well as flights and other rewards. New cardholders can also earn bonus rewards points for spending within the first month of becoming a card member (conditions apply).
Additionally, customers receive benefits such as invitations to fashion events, complimentary American Express Lounge access and complimentary alterations of clothing bought at David Jones.
This card also comes with a range of insurance policies, such as travel insurance and purchase protection. Up to four additional cards are allowed at no extra cost.
- Rewards program
- Complimentary insurance
- Four free additional cardholders
- High interest rate
- High annual fee
- Moderately low interest-free days
Who is it good for?
This card is especially suitable for frequent shoppers at David Jones who spend a lot on their credit card and pay it off on time each month. For these customers, the American Express David Jones Platinum Card (Membership Rewards) offers the potential to earn valuable rewards and save money over the long term.
Families and others wanting to share a credit account could also benefit from this card’s allowance for up to four additional cardholders at no extra cost.
The interest rate and annual fee are both high, however, so it isn’t a particularly good option for those looking to cut down on costs and reduce the risk of acquiring debt.
Similarly, it’s probably not appropriate for people wishing to transfer a balance from another card as the American Express David Jones Platinum Card (Membership Rewards) doesn’t come with a balance transfer deal.
What RateCity says
The American Express David Jones Platinum Card (Membership Rewards) is advantageous for a specific customer base – namely those who spend frequently at David Jones. Others who are searching for a rewards credit card may benefit more from a card with a more inclusive rewards program.
As with most rewards cards, this one comes with a high interest rate and high annual fee, so it’s also important to consider whether this card’s benefits are worth the risk of accruing added debt and paying a hefty fee each year.
If you’re searching for a budget card or you aren’t confident you can repay your debt in full every month, you might want to do some shopping around to see if you can find a credit card with a lower interest rate or better value for money.
To be eligible for the the American Express David Jones Platinum Card (Membership Rewards), you must be at least 18 years old and have a good credit history and no payment defaults. You must also be an Australian citizen, permanent resident or 457 visa-holder, and earn at least $65,000 a year. Applications can be completed online at the American Express website, and you will typically receive a response within five to 10 working days.
About American Express
American Express, also known as AMEX, is a multinational financial services corporation headquartered in New York. It is the world’s largest card issuer by purchase volume. The company provides various personal financial products such as credit cards and traveller’s cheques. Customer service is available via the company’s phone hotline or 24/7 live chat through the AMEX website. Customers can also manage their card accounts online through AMEX’s online services portal.
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.
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.
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 the three digits 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.
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.