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.

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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.