David Jones Card, David Jones Credit Card

David Jones Card is available as a store card as well as with the brand name of American Express.

David Jones was established in 1838 and has become a retail giant, with 37 outlets throughout Australia. It operates a number of retail stores, including cosmetics, fashion, home appliances and electronic goods outlets. David Jones earns approximately 30% of its revenues from the David Jones Store Card.

David Jones Credit Card: Features and Benefits

The David Jones Credit Cards have complementary purchase and online fraud protection. They also come with online accounttracking. The individual features and benefits include:

David Jones Store Card

• Interest free credit period of up to five years on select purchases at David Jones stores.
• Free gift wrapping of items purchased with the card.
• Invitation to various events.
• Instant rewards.
• Complementary gift and fashion catalogues.
• No annual fee.
• 56 days grace period for payment of dues.
• Interest rate of 22.99%.

David Jones American Express Card

• Annual fee of $99.
• Interest rate at 20.49%.
• Doubling of points earned in the initial six months of usage.
• Earn up to two points on every dollar spent with the card.
• Complementary travel voucher worth $100.
• Conversion of points into gift cards.
• Redemption of points with Qantas flight tickets.
• No expiry of points.

David Jones Card: Drawbacks

The David Jones Card, however, also has some drawbacks, such as:

• The cards entail high interest rates compared to other credit cards.
• To acquire a David Jones American Express Card, a person must have an annual income of at least $40,000.
• It is only issued to permanent residents or citizens of Australia.

David Jones Credit Card: How to apply

A person over 18 years of age with a sound credit rating can apply for the David Jones Cards online. The applicant needs to furnish details of income and employment, along with identity proof, such as a driver’s license.

To apply for a David Jones American Express Card, the applicant must also disclose the numbers of the David Jones Store Cards or any other American Express Card in his possession.

David Jones is a high-end department store. Hence, the card is best suited for people with higher incomes. In order to recover the annual fee on the David Jones American Express Card, a person has to spend an average of $1,000 per month.

‘David Jones American Express Card’ is a trademark of the American Express Company, who can be found at www.americanexpress.com

‘David Jones Store Card” is a trademark of David Jones, who can be found at www.davidjones.com.au/