David Jones American Express Platinum Credit Card

Pauline Hatch

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.

Providing a fantastic opportunity to earn big on your David Jones shopping as well as supermarket and petrol purchases, the David Jones American Express Platinum Credit Card is a flexible card that offers points redemption on American Express Membership Rewards and Qantas Frequent Flyer.

Cardholders can enjoy an array of American Express and David Jones platinum benefits including American Express Lounge access, interest-free shopping, complimentary priority delivery, gift wrapping, alterations, and more. On top of that, new cardholders will receive $450 back.

• Receive $450 back when you apply online by 13 July 2022, are approved and spend $1,500 outside David Jones on your new card within the first three months
• Earn 4 Reward Points per $1 spent at David Jones
• Earn 3 Reward Points per $1 spent at major supermarkets and petrol stations
• Earn 1 Reward Point per $1 spent everywhere else
• Choose either Membership Rewards or Qantas Frequent Flyer12 as your rewards program
• No points cap
• 1 Reward Point = 1 Membership Rewards Point
• 1 Reward Point = 0.5 Qantas Frequent Flyer Points
• Exclusive David Jones features, including complimentary alterations, priority delivery, and gift wrapping, priority appointments at Personal Shopping Suites and Shopping Bag Concierge, and invitations to fashion events and launches
• Save on interest with a choice of 12 months interest-free with no deposit when you spend $500 or more on your card, in one transaction; or 60 months interest-free with no deposit when you spend $1,000 or more on your card, in one transaction, across all departments in-store or online at David Jones
• 3 Months Pay Later Option – allowing deferred payment for 3 months when you spend $50 or more on your card, in one transaction, across all departments in store or online at David Jones
• Two entries per year to the American Express Lounge at Sydney and Melbourne International Airports
• Insurance covering travel and retail purchases
• Add up to four additional cards at no extra fee

• Annual Fee: $295
• Interest Rate: 20.74% p.a. (variable)
• Interest Free Period: Up to 44 days

This Card: The Lowdown

With one of the highest Qantas Points earn rates available on a mainstream card, the David Jones American Express Platinum Credit Card is an awesome option for anyone who wants to earn big on their shopping sprees at David Jones, while picking up points on their supermarket and petrol purchases.

Providing the opportunity to earn up to 4 Membership Rewards points per $1, this card could help you rack up points pretty quickly indeed. But, of course, as with any rewards card, the rewards (and features) you get out of it - need to be higher value than the annual fee you put in.

While the David Jones American Express Platinum Credit Card may have a hefty $295 annual fee, cardholders could boost points by adding up to four additional cardholders at no extra cost, helping them to earn more points on day-to-day spending.

Fortunately, the David Jones American Express Platinum Credit Card also has plenty to offer in the way of features, which helps to add value as well. Aside from the luxury American Express extras – notably two passes each year to the American Express Lounge – the card also provides a host of perks to please avid David Jones shoppers.

Digging Deeper

With the basics covered, it’s time to dig a little deeper into what’s on offer with the David Jones American Express Platinum Credit Card, so you can decide whether this card is right for you.

This Card: As a Rewards Card

As a new cardholder, you can benefit from $450 credit. To be eligible for this credit, you need to apply online 13 July 2022, be approved and spend $1,500 outside David Jones on your new card within the first three months.

It’s also worth pointing out that cardholders who currently hold, or who have previously held another David Jones American Express Card in the past 18 months are ineligible for the offer.

Everyday Earning

Offering cardholders the potential to earn serious rewards, the David Jones American Express Platinum Credit Card provides the following earn rate:

• Earn 4 Reward Points per $1 spent at David Jones
• Earn 3 Reward Points per $1 spent at major supermarkets and petrol stations
• Earn 1 Reward Point per $1 spent everywhere else

Supermarkets include Bi-Lo, Coles, Fishers, Food For Less, Fresh Provisions, Harris Farm Markets, IGA, Macro Wholefoods' Safeway, Supabarn, Thomas Dux and Woolworths. Petrol stations include Ampol, BP, Caltex Woolworths, Gull, Metro, Mobil, Peak, Safeway Petrol, Shell, United, Woolworths Petrol and 7 Eleven.

Not a frequent shopper at David Jones? You can still earn big points by doing your regular spending at any of the participating supermarkets and petrol stations listed above. And the best bit? No points capping! So you can earn as many points as you want.

Redeeming Points

• American Express Membership Rewards
• 1 Reward Point = 1 Membership Rewards Point

Offering fantastic flexibility, American Express Membership Rewards can be redeemed for both travel and retail purchases. You could redeem your points for gift cards for a wide range of retailers, or for tickets through Ticketmaster, Hoyts or Event Cinemas.

You could turn your points into a credit on your account, or you could use your card to Shop with Points online at davidjones.com, paying for your purchase using your Membership Rewards points, or a combination of Points + Pay.

As for travel, you could use your points to book flights, hotel stays, cruises or car rental with American Express Travel Online, or to book with Flight Centre or Helloworld Travel. Alternatively, you redeem points for flights with 9 leading airline partners.

If you are a member of Membership Rewards Ascent, your Membership Rewards Points could offer the following conversion rates:

• 200 Membership Rewards Points = 1 Air New Zealand Airpoints Dollar
• 2 Membership Rewards Points = 1 Cathay Pacific Asia Mile
• 2 Membership Rewards Points = 1 Emirates Skywards Miles
• 2 Membership Rewards Points = 1 Etihad Guest Mile
• 2 Membership Rewards Points = 1 Singapore Airlines KrisFlyer Mile
• 2 Membership Rewards Points = 1 Malaysia Airlines Enrich Mile
• 2 Membership Rewards Points = 1 Thai Royal Orchid Plus Mile
• 2 Membership Rewards Points = 1 Virgin Atlantic Flying Club Mile

• Qantas Frequent Flyer
• 1 Reward Point = 0.5 Qantas Points

Perhaps somewhat better known is the Qantas Frequent Flyer program. If you opt in for Qantas, you can redeem your Qantas Points for flights and upgrades with Qantas, and for travel with Qantas’s extensive range of partner airlines and affiliates. You may also redeem points for Qantas Club and Qantas Wine membership, or for merchandise and gift cards from the Qantas Store.

Opting in for Qantas will provide an earn rate of 0.5 points per $1. Bear in mind, you must be a Qantas Frequent Flyer member to earn and redeem Qantas Points, which may come with a membership fee of $99.50.

Another feature that’s worth pointing out here gives cardholders the opportunity to add up to four additional cardholders at no extra charge. While you will be liable for their spending, additional cardholders could help you earn points faster as they use their cards day-to-day. This could be a real bonus, given there’s no points cap on this card.

This Card: As a Retail Rewards Card

As a retail rewards card, the David Jones American Express Platinum Credit Card focuses on providing cardholders with David Jones extras, on top of some functional money-saving features.

• Complimentary Alterations: You can benefit from complimentary alterations on men’s and women’s apparel purchases made instore on your card, excluding David Jones Bridal. If you like a tailored look, or you don’t fit average sizes, this could save you huge amounts of money on everyday tailoring.
• Exclusive David Jones Events: As long as you opt in to receive marketing communications and spend regularly on your card, you will receive invitations to exclusive Season Launch Parades, fashion events and more, allowing you to see and be seen at David Jones’s biggest events.
• Priority Delivery: You will receive complimentary next day delivery for items purchased instore using your card. Items are limited to 25kg, and 1m x 1m x 1.5m, excluding orders placed online, gift cards, hampers and fresh food, Wine Club, and Gift Registry purchases. While this feature would be more useful if offered for online purchases, it could still help you when you’re sending gifts to others, or getting items home when travelling by public transport.
• Enhanced David Jones Shopping Experience: Giving you the ultimate David Jones shopping experience, you will receive priority appointments at Personal Shopping Suites, and the use of Shopping Bag Concierge. If you’ve got a big day of shopping ahead of you, it’s nice to know you can leave your shopping bags at the Customer Service Centre at David Jones stores, freeing up your hands for even more retail therapy.
• Complimentary Gift Wrapping: A handy feature at Christmas, all items purchased instore or online using your card can benefit from the skilled hands in charge of David Jones’s gift wrapping service.
• Interest-Free Shopping: Helping to save on interest, there's a choice of 12 months interest-free with no deposit when you spend $500 or more on your Card, in one transaction; or 60 months interest-free with no deposit when you spend $1,000 or more on your Card, in one transaction, across all departments instore or online at David Jones. Bear in mind that while there is no deposit required, you will be expected to pay a $35 establishment fee and a $2.95 monthly account keeping fee.
• 3 Months Pay Later Option: Allowing deferred payment for 3 months when you spend $50 or more on your Card, in one transaction, across all departments instore or online at David Jones.

This Card: Extras on Offer

While it may not be a travel rewards card, the David Jones American Express Platinum Credit Card has some handy travel rewards. Cardholders can also benefit from protection on their retail purchases, and the world-renowned American Express customer service and support.

Travel Perks

With the David Jones American Express Platinum Credit Card in your wallet, you will receive two complimentary entries per year to the American Express Lounge, either at Sydney International Airport or Melbourne International Airport.

Used by the primary cardholder or additional cardholders, this feature provides two entries to the lounge per year. As a nice touch for families, complimentary access is also provided to cardholders’ children, aged between 2-17.

In addition, cardholders can benefit from complimentary travel insurance when travel is booked using their card. While you should always check the PDS for full details on the cover provided, this could help save you money on your overseas trip.

Retail Protection

As a cardholder, you have Card Refund Cover and Card Purchase Cover on your side, as well as an Online Fraud Protection Guarantee, protecting you against any unauthorised charges.

Support

You can access account assistance from Global Card Support at any time of the day or night, and thanks to American Express’s global network of offices, they will usually get a replacement card to you within 48 hours, virtually anywhere in the world.

As for tech compatibility, the David Jones American Express Platinum Credit Card can be synced with Apple Pay, Samsung Pay and Google Pay.

This Card: The Essentials

With no points cap and up to four free additional cardholders, this card offers the potential to earn seriously valuable rewards – and it’s no slouch in the features department either. With a relatively high purchase rate, however, carrying a balance is not recommended. To get the most out of the rewards and features on offer, it’s best to clear your balance by the monthly due date.

In terms of eligibility, you must be aged 18 or over to apply, with no history of bad debt or payment default, and an annual income of $65,000 or more. You must be an Australian citizen or permanent resident, or hold a long term visa. Long term means at least 12 months and does not include student visas.

Decision Time

Providing amazing flexibility, the David Jones American Express Platinum Credit Card allows cardholders to opt in to American Express Membership Rewards or Qantas Frequent Flyer. A big points earner, the card offers a great earn rate on David Jones purchases and supermarket and fuel purchases, with $450 credit available after spending $1,500 non-David Jones transactions in the first three months. With features and extras aplenty, this card may well be worth the annual fee.