- *$0 annual fee in the first year (then $345), or fee waived every year with $36,000+ annual spend
- Enjoy 10% off select hotels with Expedia and Wotif through the Latitude App
- Get complimentary travel insurance and enjoy lounge access with Priority Pass.
- Get 5% credit back on David Jones purchases when redeemed within 30 days in the Latitude App (capped at $350 a year).
- Earn up to 3 points for every $1 spent at David Jones
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David Jones Credit Cards
David Jones Prestige Credit Card
Updated 12 October 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 annual fee in the first year and 0% p.a. on balance transfers for 12 months (3% balance transfer fee applies), plus earn up to 3 points per $1 at David Jones, access complimentary airport lounges, comprehensive travel insurance, and exclusive David Jones benefits.
Points Earn Rate (per $1 spent)
1 point
David Jones RewardsRewards Program
David Jones Rewards
Bonus Points
N/A
Pros and cons
- The standard $345 annual fee and purchase rate are relatively high, and interest-free days have been reduced to 44.
Creditcard.com.au review
Editor Review
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 card in the David Jones suite, offering exceptional lifestyle and travel benefits for frequent shoppers and high spenders. You can also enjoy $0 annual fee in the first year—and have it waived in later years if you spend $36,000 or more on eligible purchases each year—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:
- 3 points per $1 spent at David Jones (in-store and online).
- 1 point per $1 spent everywhere else Mastercard is accepted.
The 3 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.
- 5% credit back on David Jones purchases when redeemed within 30 days in the Latitude App or Latitude Service Centre (capped at $350 a year).
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.
- Balance Transfer Offer: 0% p.a. on balance transfers for 12 months (3% balance transfer fee applies).
- Up to 44 Interest-Free Days: Available on purchases if you pay your closing balance in full each month, with payment due 14 days after your statement date.
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 $345 (waived in the first year, or every year if you spend $36,000+ annually). 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 24.99% 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 first-year annual fee 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
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 $6,000
Maximum credit limit N/A
Fees & repayments
Annual fee $0* 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
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 annual fee in the first year (then $345), or fee waived every year with $36,000+ annual spend
- Enjoy 10% off select hotels with Expedia and Wotif through the Latitude App.
- Get complimentary travel insurance and enjoy lounge access with Priority Pass.
- Get 5% credit back on David Jones purchases when redeemed within 30 days in the Latitude App (capped at $350 a year).
- Earn up to 3 points for every $1 spent at David Jones
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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