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Terms and conditions apply

Purchase rate: 23.99% p.a.
Reward point per $ spent: 1
Annual fee for the first year ($99 p.a. thereafter): $0 p.a.
Interest-free on purchases: Up to 55 days

Our verdict

The David Jones Premiere Credit Card gives you a low-cost way to get more out of your shopping experience, with a $0 first-year annual fee.

As rewards cards go, the David Jones Premiere Credit Card has a low annual fee and can earn you quite a few points, especially if you shop at David Jones a lot. It's a card aimed at regular David Jones shoppers who want to earn some points they can spend at the department store, enjoy complimentary gift wrapping and get access to exclusive discounts, previews and events. This card’s current introductory offer also gives you extra value with a $0 annual fee in the first year, reverting to $99 p.a. in the second year.

The card does have a high purchase rate, like many rewards credit cards. This means you need to pay your balance off on time to avoid hefty interest charges.

Pros

$0 first-year annual fee
Up to 3 points per $1 on eligible spend
Complimentary express delivery and gift wrapping
10% discount at selected hotels with Expedia and Wotif via the Latitude App
6% discount on selected accommodation

Cons

No complimentary travel insurance
$24 additional cardholder fee

Details

Product details

Product Name	David Jones Premiere Credit Card
Purchase rate p.a.	Purchase rate p.a.23.99%
Interest-free days	Up to 55 days on purchases
Cash advance rate p.a.	24.99%
Min credit limit	$1,000
Card type	Mastercard

Eligibility

Available to temporary residents

Yes - Conditions apply

Rewards

Rewards program	David Jones Rewards
Bonus points	N/A
Rewards points per $ spent	1

Fees

Annual fee	$0 first year ($99 after)
Minimum monthly repayment	3% of the closing balance or $30, whichever is greater
Late payment fee	$35
Foreign currency conversion fee	3%
Cash advance fee	3% or $3, whichever is greater
Additional cardholder fee	$24
Number of additional cardholders	1

How to apply

You can apply for the David Jones Premiere Credit Card online by filling in a secure application form. Before you begin your application, make sure you meet the eligibility requirements and have the necessary information ready.

Eligibility criteria

Residency. You must be an Australian resident or a temporary resident legally authorized to work in Australia, with plans to stay for at least the next 12 months.
Age. You must be at least 18 years old to apply.

Credit history. You must have no history of bad debt or payment defaults. If you're unsure of your credit score or what's on your file, you can get a free copy of your credit report through Finder.

Required documents

Personal details. This includes your full name, contact information, and proof of your identity, such as your Australian driver's licence, Medicare card, or passport.
Financial details. This includes information about your income, savings, assets, investments, and any existing loans, credit cards, or other debts. You will also be asked to estimate your regular household spending on essentials.

Go to David Jones' site More info

Card benefits

First-year annual fee waiver. There's a $0 annual fee in the first year when you apply by 13 July 2025 and make a purchase in the first 90 days (annual fee is $99 p.a. in the second year).
Points per $1 spent. You'll earn 2 points per $1 spent at David Jones, 3 points per $1 spent at participating supermarkets and petrol stations, and 1 point per $1 spent on all other eligible purchases.

David Jones benefits. Use this card for your purchases at David Jones and unlock exclusive perks, such as complimentary gift wrapping, in-store alterations, and priority delivery on items. You'll also receive exclusive invitations to special events and previews.
Hotel benefits. Enjoy a 6% discount on selected accommodation with and a 10% discount at selected hotels (Capped at $300 per booking) through Expedia and Wotif via the Latitude App.
Mobile wallets. You can link your David Jones Premiere Credit Card to Samsung Pay, Apple Pay and Google Pay to make contactless payments using your compatible device at the checkout.

Rates & fees

Annual fee. Outside of any promotions, the David Jones Premiere Credit Card has a $99 annual fee. A $24 annual fee applies if you choose to add an additional cardholder.
Interest rates. This card charges an interest rate of 23.99% p.a. on purchases and 24.99% p.a. on cash advances.

Interest-free period. Get up to 55 days interest-free on everyday purchases if you pay your closing balance in full.
International transaction fee. A 3% fee applies to every transaction made overseas or online in a foreign currency.

Go to David Jones' site More info

Sources

David Jones Premiere Credit Card information PDF

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Richard Finder

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Richard Whitten is Finder’s Money Editor, with over seven years of experience in home loans, property and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Graduate Certificate in Communications from Deakin University. See full profile

David Jones Premiere Credit Card

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Card benefits

Rates & fees

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