David Jones Prestige 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 Prestige Credit Card, issued by Latitude, is the premium offering in the David Jones card suite. It significantly boosts point-earning potential, particularly at David Jones, and adds valuable travel and lifestyle benefits that justify its higher annual fee for the right spender.

If you're a high spender at David Jones and can take full advantage of the travel insurance, lounge access, and exclusive in-store services, the value proposition here is strong. However, the high ongoing annual fee and purchase rate mean it's crucial to use the benefits actively and avoid interest charges.

What I love about the David Jones Prestige Card

This card is designed for those who want the ultimate David Jones experience and appreciate a suite of premium benefits that extend beyond retail. The increased rewards rate is a major draw.

Here’s where the Prestige card shines:

Accelerated Points Earning Power: You earn David Jones Points at a higher rate than the Premiere card, especially at David Jones:

• 4 points per $1 spent at David Jones (in-store and online).
• 3 points per $1 spent at participating supermarkets and petrol stations.
• 1 point per $1 spent everywhere else Mastercard is accepted.

The 4 points per dollar at David Jones is a significant earner for loyal customers.

Premium David Jones Services: Unlock a range of exclusive services that enhance your shopping experience:

• Complimentary express *and* same-day delivery for eligible online orders in metro areas.
• Complimentary gift wrapping in-store.
• Complimentary in-store alterations on eligible apparel purchases.
• Access to the Personal Styling Suite with a $150 David Jones Gift Card when you spend $1000 on a styling session.
• A complimentary Ultraceuticals facial annually.

Valuable Travel Benefits: The Prestige card steps up the travel perks significantly:

• Complimentary Comprehensive Travel Insurance: When you charge the full cost of your international or domestic trip to the card, you can be covered by comprehensive travel insurance (subject to eligibility and terms in the PDS).
• Complimentary Airport Lounge Access: Receive two complimentary Priority Pass lounge visits per year, allowing you to relax in comfort before your flight at participating airports. Additional visits incur a fee.
• Access to the 10% hotel discount via Expedia and Wotif through the Latitude App, shared with the Premiere card.

Flexible Redemption Options: Like the Premiere card, your David Jones Points can be redeemed via the Points Hub for David Jones Gift Cards, Points for Credit on your statement, or the Purchase Eraser feature (minimums apply).

Other features and benefits

The Prestige card includes standard features expected from a premium Mastercard:

• Mastercard Acceptance: Use your card globally wherever Mastercard is accepted.
• Digital Wallets: Compatible with Apple Pay, Google Pay, and Samsung Pay.
• Exclusive Access: Receive invitations to exclusive David Jones events, previews, and cardholder discounts.
• Purchase Protection Insurance: Eligible purchases may be covered against accidental damage or theft for a period (check terms).
• E-commerce Insurance: Potential coverage for eligible online transactions.
• No Additional Cardholder Fee: Add an additional cardholder at no extra cost.
• Up to 55 Interest-Free Days: Available on purchases if you pay your closing balance in full each month.

What’s not so great

The premium features come at a cost, and there are points to consider:

Higher Annual Fee: After the first year ($0 introductory offer), the standard annual fee is $295. You need to actively use the card's benefits, particularly the higher points earning and premium perks like travel insurance and lounge access, to ensure this fee provides value.

High Purchase Interest Rate: Just like the Premiere card, the purchase rate is a high 23.99% p.a. Carrying a balance will quickly negate the value of the points and benefits. ⚡ This card is best suited for those who pay their balance in full by the due date to avoid hefty interest charges.

High Minimum Credit Limit: The card has a minimum credit limit of $6,000, which may not suit everyone's needs or eligibility.

Lounge Access is Limited: While complimentary lounge access is a great perk, it's limited to two visits per year. Frequent travellers may need additional access options.

Who suits the David Jones Prestige Card?

This card is ideal for high-spending, loyal David Jones customers who value not just accelerated points, but also premium lifestyle and travel benefits. If you can utilise the comprehensive travel insurance, will make use of the complimentary lounge visits, and appreciate the exclusive in-store services like alterations and styling, the $295 annual fee can potentially be offset by the value received. It requires a higher level of engagement with its features compared to the Premiere card to be truly rewarding.

Always read the Key Fact Sheet and Conditions of Use provided by Latitude to understand all rates, fees, eligibility criteria, and the full terms of insurance and other benefits. Terms and conditions apply.