- 0% p.a. on balance transfers for 12 months (3% balance transfer fee applies).
- *$0 annual fee in the first year (then $149 p.a.), waived again if you spend $24,000 or more each year.
- Get a 10% discount at selected hotels with Expedia and Wotif when you book via the Latitude App.
- Earn up to 2 points per $1 spent at David Jones.
- Enjoy complimentary express delivery and gift wrapping on eligible purchases
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David Jones Credit Cards
David Jones Premiere Credit Card
Updated 11 September 2026
Enjoy $0 annual fee in the first year, plus 0% p.a. on balance transfers for 12 months and up to 2 points per $1 at David Jones. 🎁
Earn points on everyday spending, plus enjoy complimentary gift wrapping, express delivery, and a 10% discount on a range of hotels.
Terms and conditions apply.Points Earn Rate (per $1 spent)
1 point
David Jones RewardsRewards Program
David Jones Rewards
Bonus Points
N/A
Pros and cons
- No complimentary travel insurance
- $24 additional cardholder fee
Creditcard.com.au review
Editor Review
David Jones Premiere Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
Overall rating
The David Jones Premiere Credit Card, issued by Latitude, is designed for those who love shopping at David Jones and want to earn rewards on their everyday spend. New cardholders can currently take advantage of 0% p.a. on balance transfers for 12 months (3% balance transfer fee applies), making it easier to consolidate existing debt while earning points on this stylish shopper's card.
While it might not boast the extensive premium perks of higher-tier cards, its focus on rewarding everyday spend, especially at David Jones, makes it a solid contender for those looking to get more back from their regular purchases. Just be mindful of the high purchase interest rate if you don't pay off your balance in full.
What I love about the David Jones Premiere Card
This card rewards spending at David Jones particularly well, and its ongoing point-earning isn't limited to in-store purchases.
Here are the key benefits:
Balance Transfer Offer: Enjoy 0% p.a. on balance transfers for 12 months (3% balance transfer fee applies at the time of transfer)—useful for consolidating existing card debt while you earn points on new spending.
Solid Points Earning Rate: You earn valuable David Jones Points on everyday spending:
- 2 points per $1 spent at David Jones (in-store and online).
- 1 point per $1 spent everywhere else Mastercard is accepted.
Earning 2 points per $1 at David Jones is a strong rate for cardholders who shop there regularly.
Flexible Redemption Options: All those hard-earned David Jones Points can be redeemed in several practical ways via the David Jones Points Hub (accessible through the Latitude App). Options typically include:
- Redeeming points for David Jones Gift Cards (minimum redemption applies, e.g., 3000 points for $20).
- Converting points to a credit on your card account (minimum redemption applies, e.g., 5000 points for $25).
- Using points to 'erase' eligible purchases made on the card (minimum purchase and points balance apply, e.g., purchases $25 or more within the last 30 days, minimum 5,000 points).
The ability to get points back as a statement credit offers good flexibility beyond just gift cards.
David Jones Perks: As expected, being a David Jones cardholder comes with exclusive benefits when shopping there. These include complimentary express delivery for online orders and complimentary gift wrapping in-store.
The annual fee is $149, waived in your first year, and waived again in future years if you spend $24,000 or more annually on eligible purchases.
Other features and benefits
Beyond the points and core DJ benefits, the card includes several useful features:
- Mastercard Acceptance: Benefit from worldwide acceptance wherever Mastercard is welcomed.
- Digital Wallets: Easily add your card to Apple Pay, Google Pay, and Samsung Pay for convenient contactless payments.
- Hotel Discounts: Access a 10% discount at selected hotels via Expedia and Wotif when booking through the Latitude App.
- Exclusive Access: Receive exclusive invitations to David Jones events and previews, along with special cardholder discounts.
- Up to 44 Interest-Free Days: Get interest-free days on purchases, provided you pay your balance in full each month; the ongoing purchase interest rate of 24.99% p.a. is quite high. Carrying a balance will quickly outweigh the value of any points or benefits earned. ⚡ The best way to use a rewards card is to pay the full statement balance by the due date to avoid interest charges.
Annual Fee after First Year: While $149 is on the higher side for a rewards card, spending $24,000 or more each year keeps it waived — otherwise you'll need to weigh the points and benefits earned against the cost.
Limited Insurance Coverage: Unlike some premium cards, the Premiere card does not include complimentary travel insurance or other broader insurances like purchase protection. An additional cardholder fee of $24 also applies.
Who suits the David Jones Premiere Card?
The David Jones Premiere Credit Card is a strong fit for individuals who frequently shop at David Jones and want to earn rewards on their everyday spending, or who have an existing balance to transfer and can take advantage of the 12-month 0% p.a. offer. If you can reliably pay off your balance in full each month to avoid interest, the points can add up quickly and provide tangible value through redemptions at David Jones or as statement credit. It's a good entry-point rewards card for loyal David Jones customers who want more than just store discounts.
As always, refer to the card's Key Fact Sheet and Conditions of Use provided by Latitude for the full details on rates, fees, eligibility, and benefits. Terms and conditions apply.
User reviews
Rates and fees
Interest rates
Purchase rate 24.99% p.a.
Cash advance rate 25.99% p.a.
Interest free period on purchases up to 44 days
Balance transfer
Balance transfer rate 0% p.a. for 12 months
Balance transfer revert rate 25.99% p.a.
Balance transfer from personal loan N/A
Balance transfer fee 3%% one off
Balance transfer limit N/A
Brands you can't balance transfer from N/A
Credit limits
Minimum credit limit $1,000
Maximum credit limit N/A
Fees & repayments
Annual fee $0* p.a.
Additional cardholder fee $24
Foreign transaction fee 3%
Minimum repayment $30 or 3%, whichever is greater
Cash advance fee 3% or $3, whichever is greater (with a maximum of $30 per transaction)
Late payment fee $35
Rewards and points
Rewards program
Rewards Program
David Jones Rewards
Bonus points N/A
Annual points cap uncapped
Bonus points spend criteria N/A
Earning points with this card
David Jones Rewards Rewards points 1 point per $1 spent
Points cap per month N/A
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Overview
David Jones Premiere Credit Card
Enjoy 0% interest on eligible purchases for 6 months when you apply and are approved for a David Jones Credit Card before 31 January, and earn points on every purchase—2 points per $1 at David Jones, 3 points per $1 at select supermarkets and petrol stations, and 1 point per $1 everywhere else. Start rewarding your everyday spending today!
Key features
- 0% p.a. on balance transfers for 12 months (3% balance transfer fee applies).
- *$0 annual fee in the first year (then $149 p.a.), waived again if you spend $24,000 or more each year.
- Get a 10% discount at selected hotels with Expedia and Wotif when you book via the Latitude App.
- Earn up to 2 points per $1 spent at David Jones.
- Enjoy complimentary express delivery and gift wrapping on eligible purchases
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Australian resident or eligible temporary resident with work rights for the next 12 months
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
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