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David Jones Prestige Credit Card
David Jones Prestige Credit Card

David Jones Credit Cards

David Jones Prestige Credit Card

Updated 21 January 2026

Looking for a credit card that elevates your shopping and rewards your lifestyle? The David Jones Prestige Card delivers premium perks for those who love shopping and travel. ✈️

Enjoy 0% interest on eligible purchases for 6 months when you apply and are approved before 31 January, plus earn points faster with enhanced rewards rates, access complimentary airport lounges, comprehensive travel insurance, and exclusive David Jones benefits.

Points Earn Rate (per $1 spent)

1 point

David Jones Rewards

Rewards Program

David Jones Rewards

Bonus Points

N/A

Pros and cons

  • 0% interest on eligible purchases for 6 months. Apply by 31 January 2026
  • Enjoy 10% off select hotels with Expedia and Wotif through the Latitude App
  • Get complimentary travel insurance and enjoy lounge access with Priority Pass.
  • Receive a complimentary Signature Facial from Ultraceuticals, valued at $125.
  • Earn up to 4 points for every $1 spent on eligible purchases

  • The standard $295 annual fee and the 23.99% p.a. purchase rate are relatively high.

Creditcard.com.au review

Editor Review

David Jones Prestige Credit Card

Pauline Hatch, Financial Expert at CreditCard.com.au
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. about this card.

Overall rating

The David Jones Prestige Credit Card, issued by Latitude, is the premium card in the David Jones suite, offering exceptional lifestyle and travel benefits for frequent shoppers and high spenders. Now, you can also enjoy 0% interest on eligible purchases for 6 months when you apply and are approved before 31 January—giving you extra breathing room to make the most of your rewards from day one.

If you’re a regular David Jones shopper who values luxury perks like travel insurance, airport lounge access, and exclusive in-store services, this card offers strong value despite its higher annual fee — as long as you pay your balance in full and take advantage of the included benefits.

What I love about the David Jones Prestige Card

This card is designed for shoppers and travelers who want premium benefits beyond retail. Its enhanced rewards program and exclusive access make it a standout.

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 makes it ideal 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: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?

The David Jones Prestige Credit Card is ideal for frequent David Jones shoppers and travelers who can take full advantage of the premium rewards, travel insurance, and lifestyle extras. If you’re disciplined with repayments, this card can offer great value—especially with the 0% interest on eligible purchases for 6 months offer.

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.

User reviews

David Jones Prestige Credit Card ( based on 0 Creditcard.com.au user reviews )

0% rating based on 0 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 23.99% p.a.

Cash advance rate 24.99% p.a.

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limit $6,000

Maximum credit limit N/A

Fees & repayments

Annual fee $295 p.a.

Additional cardholder fee 0

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 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 Yes

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Overview

David Jones Prestige Credit Card

This card is best suited for loyal David Jones shoppers who can maximize rewards and perks, particularly travel benefits. However, the high fees and interest rates mean it’s most valuable for those who pay their balance in full and use the benefits actively.

Key features

  • 0% interest on eligible purchases for 6 months. Apply by 31 January 2026
  • Enjoy 10% off select hotels with Expedia and Wotif through the Latitude App.
  • Get complimentary travel insurance and enjoy lounge access with Priority Pass.
  • Receive a complimentary Signature Facial from Ultraceuticals, valued at $125.
  • Earn up to 4 points for every $1 spent 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

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

Recently Asked Questions

Something you need to know about this card? Ask our credit card expert a question.

3 questions (showing the latest 10 Q&As)

Gwen

Gwen

6 November 2025
i am a card member, how do i claim my facial
    Pauline - CreditCard.com.au

    Pauline

    13 November 2025
    Hi Gwen, thanks for your question! You’re actually on CreditCard.com.au, Australia’s leading site for comparing credit cards. If you have the David Jones Prestige credit card, it includes a complimentary Signature Facial from Ultraceuticals as part of your birthday month benefits. To claim it: 1. Make sure you’ve opted in to receive marketing communications from David Jones and Latitude. 2. During your birthday month, you should get an email from David Jones with a booking link. 3. Follow that link to book your appointment at a participating Ultraceuticals counter in select David Jones stores. 4. Bring your Prestige Credit Card with you to your appointment. If you haven’t received your email or aren’t sure which stores are participating, it’s best to contact David Jones directly at 1300 550 006. You can also find more details on the David Jones Credit Card website.
Rebecca Bisa

Rebecca Bisa

23 October 2025
can I update my car to latitude prestige? currently premium
    Pauline - CreditCard.com.au

    Pauline

    27 October 2025
    Hi Rebecca, good question! If you’re looking to upgrade your existing David Jones Premier Card to the David Jones Prestige Credit Card, it's best to contact David Jones directly at 1300 550 006. They can confirm your options and guide you through the process. It may require a new credit application so make sure you know what shape your credit file is in!
Jonathan

Jonathan

21 September 2025
Does travel insurance cover the cancellation of flights and reschedule??
    Pauline - CreditCard.com.au

    Pauline

    23 September 2025
    Hi Jonathan, thanks for reaching out! The complimentary travel insurance on the David Jones Prestige card can cover certain trip cancellations and delays, but the details (like which events are included and any limits or exclusions) come down to the insurer’s policy wording. For the most accurate info, it’s best to check the Insurance PDS that comes with the card or give David Jones customer service a quick call on 1300 550 006. They’ll be able to confirm exactly what’s covered for cancelled or rescheduled flights. If you’d like a quick introduction on how credit card travel insurance usually works, our guide to credit card travel insurance could be a good place to start.
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