David Jones Credit Cards
Step into a rewarding shopping experience with the new range of David Jones Credit Cards, issued by Latitude Financial. 🛍️ Whether you're a dedicated David Jones shopper or just looking for a card that rewards your everyday spend, there's likely an option here for you.
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What are David Jones Points?
David Jones Points are the rewards currency earned when you spend on your David Jones Credit Card. They live in your David Jones Points Hub, accessible via the Latitude App or online service centre. These points are your ticket to savings and perks, primarily redeemable within the David Jones ecosystem and as credit on your card account.
How to Earn David Jones Points
Earning points is pretty straightforward – just use your David Jones Credit Card for eligible purchases wherever Mastercard is accepted. The key is understanding the accelerated earn rates, as these are where you can really boost your points balance.
The points you earn per dollar spent vary depending on which David Jones card you hold and where you shop:
- At David Jones: You earn points at the highest rate when shopping in-store or online at David Jones. This rate is different for each card tier.
- At Participating Supermarkets & Petrol Stations: All card tiers earn an accelerated rate at these everyday spending locations.
- Everywhere Else: You earn points at a standard rate on all other eligible purchases made with your Mastercard.
Keep an eye out for potential limited-time bonus offers when you first sign up for a card – meeting a specific spend requirement in the initial months can land you a significant points boost!
Redeeming Your Points: Turning Spend into Savings
Once you've accumulated David Jones Points, it's time for the fun part – redeeming them! The most common ways to use your points are:
- David Jones Gift Cards: Convert your points directly into David Jones Gift Cards to use on future purchases in-store or online.
- Points for Credit: Redeem points for a statement credit on your David Jones Credit Card account, helping to reduce your balance.
- Purchase Eraser: Use your points to get a credit for eligible recent purchases made on your card.
You'll manage all your redemptions through the David Jones Points Hub. Minimum points balances apply for redemptions.
Choosing Your Card: Premiere vs. Prestige (vs. Icon)
David Jones offers a few different credit card options, each designed to suit different spending habits and desires for perks. The main tiers are the Icon, Premiere, and Prestige cards. Let's look at the key differences between the Premiere and Prestige cards, as these are the main points-earning options (the Icon card typically has a $0 annual fee but lower earn rates and fewer benefits):
| Feature | Premiere Card | Prestige Card |
|---|---|---|
| Annual Fee | $0 first year, then $99 p.a. | $0 first year, then $295 p.a. |
| Earn Rate at David Jones | 2 points per $1 | 4 points per $1 |
| Earn Rate at Supermarkets/Petrol | 3 points per $1 | 3 points per $1 |
| Earn Rate Everywhere Else | 1 point per $1 | 1 point per $1 |
| Complimentary Travel Insurance | No | Yes (comprehensive, when booking travel on the card) |
| Complimentary Lounge Access | No | Yes (2 x Priority Pass visits/year) |
| Delivery Benefits | Complimentary Express Delivery | Complimentary Express AND Same-Day Delivery (metro) |
| Other Premium DJ Perks | Complimentary Gift Wrapping | Complimentary Gift Wrapping, In-Store Alterations, Styling Benefit, Facial Benefit |
| Additional Cardholder Fee | $24 p.a. | $0 p.a. |
As you can see, the Prestige card offers significantly higher points at David Jones and includes valuable travel and premium lifestyle benefits for a higher annual fee.
Beyond the Points: Added Benefits
It's not just about earning points. Both Premiere and Prestige cards come with additional features:
- Mastercard Acceptance worldwide.
- Compatibility with major Digital Wallets (Apple Pay, Google Pay, Samsung Pay).
- 10% Hotel Discount via the Latitude App (Expedia/Wotif).
- Exclusive Invitations, Events, and Cardholder Discounts at David Jones.
- E-commerce Insurance and Purchase Protection Insurance (Prestige includes Purchase Protection).
- Up to 55 Interest-Free Days on purchases if you pay your balance in full.
Prestige cardholders get an enhanced suite of these benefits, particularly in the travel and premium David Jones services areas.
Maximising Your David Jones Points
To really get the most value out of your David Jones Credit Card and points, keep these tips in mind:
- Use Accelerated Categories: Direct your spending on David Jones, supermarket, and petrol purchases to your card to earn points faster.
- Pay in Full: Always pay your closing balance by the due date to avoid the high purchase interest rate. Interest charges will quickly wipe out the value of your earned points.
- Consider the Annual Fee: Especially for the Prestige card, make sure the value you get from the points earned and benefits used (like travel insurance or lounge visits) is greater than the annual fee.
- Redeem Strategically: While Gift Cards and credit are convenient, compare redemption options in the Points Hub to see where you get the most value per point.
- Link Your Accounts: Ensure your David Jones online account is linked to your credit card account to access all online benefits like complimentary delivery.
David Jones Points vs. Other Rewards Programs
How do David Jones Points stack up against frequent flyer programs or other bank rewards? Here's a quick comparison:
| Feature | David Jones Points | Typical Frequent Flyer Points (e.g., Qantas/Velocity) | Typical Bank Rewards Points (not transferable) |
|---|---|---|---|
| Flexibility (Transfer Partners) | Limited (Primarily DJ Gift Cards/Credit) | High (Can transfer to multiple airlines/hotels depending on the program) | Limited (Usually confined to bank's own rewards store, gift cards, cashback) |
| Primary Redemption Value | Good value for DJ shopping; Statement credit option | Often best value for flights/upgrades | Varies; often lower value for gift cards/cashback compared to travel |
| Best For | Loyal David Jones shoppers & everyday spenders valuing DJ perks/statement credit | Frequent flyers loyal to specific airlines or those who want flexibility for travel | Simple redemptions within the bank's system |
| Point Expiry | Check specific card T&Cs | Varies by program; often activity-based or fixed period | Varies by program; often activity-based or fixed period |
David Jones Points are primarily focused on rewarding spending that circles back to David Jones or offers statement credit, making them less flexible for transferring to airline partners compared to programs like Amex Membership Rewards or direct frequent flyer cards. However, their accelerated earn rates on everyday spend can be very appealing.
A Quick Snapshot: Do's and Don'ts
Maximise your David Jones Credit Card experience with these simple rules:
Do's
- Use your card for spending at David Jones, supermarkets, and petrol stations to earn points faster.
- Always pay your full closing balance by the due date to avoid high interest charges.
- Explore the David Jones Points Hub for redemption options and aim for the best value for your points.
- Link your card to your David Jones online account to unlock online benefits.
- Consider the premium benefits on the Prestige card (travel insurance, lounge access, alterations) if you will use them to justify the fee.
Don'ts
- Carry a balance and pay interest – it negates your rewards value.
- Forget to check for sign-up bonus requirements if you're applying for an offer.
- Underestimate the value of the accelerated earn rates on everyday spend categories.
- Ignore the annual fee – ensure the value you get from the card exceeds this cost.
- Miss out on exclusive David Jones events or discounts by not being opted in or using your card.
Frequently Asked Questions
Got more questions? Here are some common ones:
Which David Jones Credit Cards earn points?
The Premiere and Prestige cards earn David Jones Points. The Icon card typically has a different rewards structure, if any.
What are the different ways to redeem David Jones Points?
You can redeem points for David Jones Gift Cards, a credit on your card statement (Points for Credit), or use points to get a credit for a recent purchase (Purchase Eraser) via the Points Hub.
What is the value of a David Jones Point?
The value varies depending on how you redeem them. Redeeming for David Jones Gift Cards or a statement credit usually offers a consistent value per point, but this can differ from the value you might get transferring points in other programs.
Do David Jones Points expire?
Check the specific terms and conditions for your card, but points typically have an expiry period if not redeemed.
Who issues the David Jones Credit Cards now?
The cards are issued by Latitude Financial Services on the Mastercard network.
Does the Prestige card include travel insurance?
Yes, the Prestige card includes complimentary comprehensive travel insurance when you pay for your eligible trip using the card (subject to terms and conditions). The Premiere card does not.
Does the Prestige card come with lounge access?
Yes, the Prestige card includes two complimentary Priority Pass lounge visits per year.
Choosing the right David Jones Credit Card depends on your spending habits, particularly how much you spend at David Jones and in accelerated categories, and whether the premium benefits on the Prestige card are worth the higher annual fee for you. Evaluate your own spending and travel needs to pick the best fit!
Remember to always consult the official David Jones Credit Card website and the card's Key Fact Sheet and Conditions of Use for the most current and complete information. Terms and conditions apply.
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