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Credit provided by American Express Australia Limited (ABN 92 108 952 085). Australian Credit Licence No. 291313. ® Registered Trademark of American Express Company. Subject to American Express lending criteria. Interest rates, fees and charges apply. You must be over the age of 18 years to apply. Terms and Conditions apply. For full terms and conditions please see the David Jones American Express Cardmember Agreement. Cards are offered, issued and administered by American Express Australia Limited.

1. This offer is only available to approved David Jones American Express Cardmembers who apply online via this site by 31 January 2013 and make the required eligible Card spend(s). Reward Points are awarded after you spend three times on your Card outside David Jones within the first month of becoming a David Jones American Express Cardmember. If you opt in to Membership Rewards, you are eligible to receive 15,000 Membership Rewards points. If you opt in to Qantas Frequent Flyer, you are eligible to receive 11,250 Qantas Frequent Flyer points. Maximum number of points available under this offer is 15,000 Reward Points. Reward Points are earned and converted to your chosen rewards program in accordance with and subject to the Terms and Conditions of the David Jones American Express Reward Program available at davidjones.com.au/rewardpoints. Conversion rates and exclusions apply. Please allow 6 to 8 weeks after you have made the eligible spend for the points to be credited to your account after the three times spend has been made. Qantas Frequent Flyer membership and points are subject to the Terms and Conditions of the Qantas Frequent Flyer program. Offer not available for customers applying for the David Jones American Express Staff Card.

2. Subject to the Terms and Conditions of the David Jones American Express Reward Program available at davidjones.com.au/rewardpoints. Terms and Conditions apply to all Membership Rewards redemption options and redemption is subject to availability. Subject to your account being kept in good standing and not overdue.

3. Subject to the David Jones American Express Reward Program Terms and Conditions available at davidjones.com.au/rewardpoints. Reward Points are earned and converted to Qantas Frequent Flyer points in accordance with the David Jones American Express Reward Program Terms and Conditions and exclusions apply. 1 Reward Point = 0.75 Qantas Frequent Flyer points. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Frequent Flyer points which are subject to the Qantas Frequent Flyer Terms and Conditions available at qantas.com/frequentflyer. A joining fee of $82.50 usually applies, however American Express has arranged to provide Qantas Frequent Flyer membership with the joining fee waived to David Jones American Express cardholders who are not already a Qantas Frequent Flyer member and who apply at qantas.com/joinffdavidjones.

4. Reward Points are governed by the Terms and Conditions of the David Jones American Express Rewards program and exclusions apply. For full Terms and Conditions go to davidjones.com.au/rewardpoints. Participating retailers include the following merchants who have been classified as "major supermarkets": Bi-Lo, Flemings, Safeway,Woolworths, Coles, IGA, Franklins, Fishers, Fresh Provisions, Food For Less, Supabarn, Macro Wholefoods, Thomas Dux. Participating retailers include the following merchants who have been classified as "major petrol stations": BP, Shell, Caltex Woolworths, 7 Eleven, Woolworths Petrol, Safeway Petrol, Peak, Mobil, Ampol and Gull. Exceptions may apply if individual retailers do not accept American Express as a form of payment. Reward Points earned for transactions in Australia only. Subject to your account being kept in good standing and not overdue.

5. For purchases made instore or online at David Jones on your David Jones American Express Card.

6. Receive complimentary standard delivery within Australia when you purchase instore or online at davidjones.com.au on your David Jones American Express Card. Excludes Gift Cards, Hampers, Wine Club and large items.

7. Fashion Pay Later Option is a deferred payment promotion available for purchases made at David Jones on the David Jones American Express Card. This promotion is available on all purchases of men's and women's apparel, shoes and fashion accessories with a single transaction value of $250 or more. The deferred payment period is 3 months. Terms and Conditions apply.

8. The Christmas Deferred Payment Option is a deferred payment promotion available for purchases made at David Jones with the David Jones American Express Card between 1 November and 24 December. The deferred payment period expires 31 January in the following year. Refer to the David Jones American Express Cardmember Agreement for further Terms and Conditions.

9. Terms and Conditions apply to interest free credit options. A minimum purchase of $500 applies. Each new interest free credit option incurs a $35 establishment fee and a $2.95 monthly account keeping fee. Late repayments attract fees and interest. Not available in conjunction with any price reduction pursuant to the David Jones Price Promise. See instore for current interest-free periods, and see the David Jones American Express Cardmember Agreement for further Terms and Conditions.

10. First year Supplementary Card fee waiver available on approved Supplementary Cards. Supplementary Cardholders must be at least 18 years of age. You will be liable for all charges on your Supplementary Card.

11. Insurance products are arranged through American Express International, Inc. (ABN 15 000 618 208) AFS Licence No. 237996. Subject to the terms, conditions and exclusions of the insurances issued by ACE Insurance Limited (ABN 23 001 642 020) AFS Licence No. 239687. It is important for you to read the Terms and Conditions available from us upon request and consider the appropriateness of that insurance in relation to your individual requirements.

12. The number of actual interest free days depends upon when you make a purchase, when your statement is issued, whether you have obtained a balance transfer and whether or not you are carrying forward a balance on your account from your previous statement period. There are no interest free days on cash advances.

13. Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Cardmember Agreement, you will not be liable for any unauthorised charges.

14. Gift Card rewards are not refundable, may not be exchanged for cash or credit and are valid for a period of 3 months from the date of issue, unless otherwise stated. Individual retailer Gift Card conditions apply.

15. To transfer Membership Rewards points for points into an airline rewards or frequent guest partner program you must be a member of the partner program. Membership of the partner program is the Cardmember's responsibility and is subject to the Terms and Conditions of the applicable program. A joining fee may apply.

16. American Express reserves the right (at its sole discretion) to discontinue an item or to substitute a similar item of equal value.

17. Membership Rewards points may be redeemed by the Basic Cardmember for a credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Cardmember's other accounts with American Express are not in good standing. The redemption of Points for Credit will be administered solely by American Express within 3 business days and cannot be reversed. Redeeming Points for Credit is not redeemable for cash via Credit balance refund.

18. As long as your account remains current and in good standing.

19. Award seats are subject to capacity controls and availability is limited. Some flights may not have any Classic Award seats available. Award flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply). For more information see qantas.com/frequentflyer. Taxes, fees and carrier charges are payable in cash in addition to the Qantas Frequent Flyer points required.

20. Qantas and Jetstar Any Seat Awards are available on any flight with a QF or JQ flight number. The Qantas Frequent Flyer points required for Qantas and Jetstar Any Seat Awards are variable and are only valid when quoted. There is no fixed relationship between the price charged by the applicable airline for a seat and the Qantas Frequent Flyer points required to redeem an Any Seat Award through Qantas Frequent Flyer. Not all special promotional fares are available as Any Seat Awards. Award flights must be booked at least 24 hours before scheduled departure and other advance booking requirements may apply.

21. Flight Upgrade Awards are subject to capacity controls and availability is limited. Flight Upgrade Awards are not available on Qantas Classic Awards or on international airfares, including international Qantas Any Seat Awards, booked in E, N, O, P, Q, and X class, which includes some international Red e-Deal fares.

22. Store products are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of Qantas Frequent Flyer points for items through the online store is subject to terms and conditions (including the Store Terms of Use and voucher terms and conditions). See qantas.com/store for further details.

23. Points Plus Pay allows you to choose the number of points you redeem, above a specified minimum level, and pay an amount on your credit card to obtain your Award. A minimum number of Qantas Frequent Flyer points must be redeemed for any Points Plus Pay option. The minimum will vary depending on the Award.