Latitude Credit CardsDavid Jones Prestige Credit Card
Embrace a world of luxury with the David Jones Prestige Credit Card. A world of unforgettable benefits is always at your fingertips when you shop with the David Jones Prestige credit card. Unlock exclusive experiences, irresistible offers, extraordinary travel rewards and airport lounge access. Plus, earn and redeem David Jones Points when you shop.
At a glance
- Purchase rate
- 24.99%
- Cash advance
- 25.99%
- Interest-free days
- 44
- Annual fee
- $345
- Foreign transaction fee
- 3.00%
- Rewards
- Earn David Jones credit card points
- Balance transfer
- 0.00% for 1 yr
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 24.99% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.95%of 51 institutions | 50th lowest of 51 |
| Rewards cardOngoing purchase rate on a card that earns points | 24.99% | 9.90%Westpac Lite Card | 19.99%of 25 institutions | 25th lowest of 25 |
| Interest-free daysDays without interest on purchases when the balance is paid in full | 44 days | 62 daysBeyond Bank Australia's Low Rate Credit Card | 55 daysof 42 institutions | 37th longest of 42, level with 4 others |
Rates
Every rate Latitude Credit Cards publishes for this credit card, 4 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transferAlways on BT - 0% for 12 months on Balance Transfers with a 3% BT fee. | - | 1 yr intro | - | 0.00% | - | - |
| Balance transferThe Cash Advance Rate applies, unless a specific balance transfer rate is subsequently offered. | - | 13 mo intro | - | 25.99% | - | - |
| Cash advanceCash advance rate | - | - | - | 25.99% | - | - |
| PurchasePurchase rate | - | - | - | 24.99% | - | - |
Fees
8 fees published, grouped by when they're charged.
While you hold it2
- Annual Credit Card Fee
Annual fee of $345. Waived for the first year. $345 annual fee is waived for the first year. $345 annual fee is waived in the second and subsequent years if eligible spend in the prior 12 months is $36,000 or more
$345 a year - Paper Statement Fee
$3 per statement only charged if account balance is over $5 on day of billing
$3 a month
When you make a transaction3
- Cash Advance Fee
Greater of 3% or $3 (with a maximum of $30 per transaction)
3.00% of transaction - Payment Handling Fees
$3.95 (in person), $1.95 (online). You can avoid this fee by making your payments via mail, direct debit or via the Latitude Service Centre.
$0 to $3.95 - International Fees
3% of the transaction amount. Applicable for both purchases and cash advances made on a currency other than AUD.
3.00% of transaction
If a payment is late or fails1
- Late Fee$35
Other fees2
- Balance Transfer Fee
Up to 3% of balance transfer amount
3.00% of transaction - Credit Balance Processing Fee
Charged when your account is closed and still holds a credit balance of less than $20.00; unless an instruction is provided to us on how to return the credit balance to you. The fee amount will be th…
$0 to $19.99
Features
- Get 5% credit back on David Jones purchases when redeemed within 30 days in the Latitude App or Latitude Service Centre. Capped at $350 annually
- Minimum Monthly Payment The minimum monthly payment for a statement period is an amount equal to the greater of $30 or 2.75% of the closing balance, shown on your statement of account. If your outsta…
Eligibility and limits
- Minimum age 18
- Residency: Australian Resident
- Minimum income $30,000
- Available to individuals
- Amount from $6,000, no maximum
- Details to have at hand: A driver licence, passport or medicare card to help verify your identity. Details about your income, living expenses & debts.
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Published by Latitude Credit Cards under the Consumer Data Right, last changed by them on 7 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.