David Jones Platinum Card (Qantas Points)
Bonus PointsReceive 15,000 Qantas Points when you are approved and spend $750 outside of David Jones within the first three months of becoming a Card Member.
Virgin Money Virgin Australia Velocity Flyer Card (Balance Transfer Offer)
Balance Transfer0% p.a. for 22 months on balance transfers. Earn 3 additional bonus Velocity Points per $1 on your everyday spend in the first 3 months (capped at 10,000 points per month).
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3% on Amex
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Qantas Frequent Flyer
Gift Card, Domestic Flights, International Flights, Flight Upgrades, Qantas Shop, Qantas Hotels
457 Visa holder
|2 points for $1 spent||AMEX||uncapped||David Jones|
|1.5 points for $1 spent||AMEX||uncapped||major supermarkets and petrol stations|
|0.5 points 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 15,000 Qantas 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
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 American Express David Jones Platinum card has a high interest rate on purchases, a high annual fee and a moderately low interest-free period. There is also a high late repayment fee and no current facility for balance transfers. Cardholders can earn Qantas Points or American Express Membership Rewards points when they use the card to spend at David Jones or other retailers. Up to four additional cardholders may be added for free.
There is an initial bonus offer of 40,000 Membership Rewards points or 30,000 Qantas Points for people who apply online, are approved and spend three times on the card (outside David Jones) within the first month of becoming a card member.
The card may be used with Google Pay, Apple Pay and Samsung Pay. Security is provided by intelligent security systems, a secure payment process and a fraud protection guarantee.
- Initial bonus points offer
- Complimentary travel insurances
- Four free additional cardholders
- High interest rate
- High annual fee
- High late repayment fee
Who is it good for?
This card is aimed at people who spend a lot on purchases generally, and in particular at David Jones stores. Cardholders have the choice of joining either the Membership Rewards program or the Qantas Frequent Flyer program. Depending on the program, they can earn 40,000 bonus Membership Reward Points or 30,000 bonus Qantas Points upon joining. However, those can only be earned by spending three times with the card, outside of David Jones, within the first month of receiving the card.
The card offers the potential to earn up to 4 Membership Rewards points per $1 spent and there are also invitations to special VIP events like the Season Launch Fashion Parades. Cardholders can also extend the manufacturer's warranty for up to 12 months on eligible purchases.
Overall, this is a card for loyal David Jones shoppers as well as those who just love their shopping.
What RateCity says
The American Express David Jones Platinum card may appeal to shopaholics who want to earn decent rewards points while they spend. However, the card also comes with interest rates, late repayment fees and annual fees that are at the upper end of the marketplace. So be careful on those shopping sprees to make sure you pay off the statement balance in full each month. There are also less than the standard number of interest-free days on purchases.
The card also offers complimentary travel insurances and two complimentary entries to the American Express Lounge at Sydney International Airport each year. This will particularly appeal to those who choose to earn Qantas points for travel.
There are also some other in-store benefits when you spend with the card at David Jones, along with the greatest points earning power, even though you can still earn points when spending elsewhere.
To apply for the American Express David Jones Platinum card, you must be at least 18 years old and either a permanent resident or citizen of Australia, or are here on a subclass 457 – business long stay visa. You must have a good credit history and no payment defaults, and a personal or household gross (pre-tax) annual income of at least $65,000. Applications can be done online, with a response given in approximately five to 10 working days.
About American Express
American Express is a leading issuer of personal, small business and corporate credit cards. Beginning in 1850 as an express mail business, it eventually expanded into the area of financial services with money orders and travellers’ cheques, which made the company international. Its credit card was launched in 1958. Today, the company operates in more than 130 countries and has over 110 million cards in force, making it the world's largest card issuer by purchase volume.
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.
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.