'INTEREST FREE PLANS' CREDIT CARD PRODUCTS

*To take advantage of up to 55 days Interest Free on general credit card purchases, you need to pay the full closing balance on each statement of account by the applicable due date.

¹ Extended Interest Free terms may vary. Available at participating retailers to approved applicants only. Conditions, fees and charges apply.

² To take advantage of up to 55 days interest free on general credit card purchases, you need to pay the full closing balance (excluding un-expiring 0% Interest Payment Plans) on each statement of account by the applicable due date.

³ T&Cs and monthly credit card fee (currently $10.95) will apply. Other credit card fees and charges may apply. Exclusions may apply.

'REWARDS' CREDIT CARD PRODUCTS

⁶ Earning of David Jones Points are governed by the David Jones Prestige and Premiere credit cards. Terms and Conditions are stated in the Conditions of Use. For full Terms and Conditions click here. David Jones Points are earned for every Australian dollar spent on goods and services and are subject to your account being kept in good standing and not overdue or in default.

⁷ Redemption of David Jones Points is subject to the David Jones Premiere and Prestige credit card Conditions of Use. The amount of David Jones Points required to purchase the item(s) is subject to change at any time. Minimum number of points apply for each type of redemption. Only Primary cardholder is eligible to redeem the David Jones Points. Gift cards are not refundable, may not be exchanged for cash or credit and are valid for a period of 36 months from the date of issue, unless otherwise stated. Points for credit will be applied as a payment to your account and cannot be reversed. Points for credit can be requested to cover a purchase within 30 days of the purchase date.You may specify a number of points to redeem in order to pay for a purchase during checkout at David Jones online.

⁸ To receive exclusive invitations and discounts you must be opted in to receive marketing communications and continue to spend on your David Jones Premiere or Prestige credit card. Subject to availability.

⁹ To be eligible to receive complimentary express delivery to any address within Australia you must purchase at David Jones online using your David Jones Premiere or Prestige credit card. Items must be under 25kg and no larger than 1m x 1m x 1.5m. Excludes gift cards, hampers and fresh food, Wine Club, Gift Registry purchases and large items. Refer to www.davidjones.com/delivery-choices for available delivery options offered by David Jones and all eligibility conditions. Delivery options may change during peak periods.

¹⁰ Available whenever you purchase using a David Jones Premiere or Prestige credit card instore or online at davidjones.com. Complimentary gift wrap services are not available for larger items and may be limited during peak periods.

¹⁴ Subject to eligibility requirements, we will issue you a redeemable amount in the form of Latitude Rewards equivalent to 3% of eligible purchases. You can use this amount to select an e gift card via the Latitude App and Latitude Service Centre. Eligible purchases are determined based on transactions posted to the account. Eligible transactions are transactions that are directly setup as recurring payments with participating merchants under the following merchant categories codes (MCC):

• Utilities (Electricity, Gas, Water) 4900

• Telco Services 4812 and 4814

• Streaming Services 4899, 5735, and 5815

Exclusions to eligible transactions apply. Merchant categories are determined by a merchant s Merchant Category Code (MCC). We are not responsible for designating MCCs and have no control over the same. You re unable to receive rewards if you use an intermediary platform such as PayPal, Google and the like. The Latitude Rewards will be issued by EonX Services Pty Ltd and will be available for redemption via the Latitude App or Latitude Service Centre within 30 days from the end of the statement period. The primary cardholder has up to 18 months to redeem from the date of issue. View Latitude Rewards Program Terms and Conditions

GENERAL DISCLOSURES

¹¹ Balance transfer applies to eligible customer's Australian non-Latitude credit cards only. Balance transfer amounts commencing from $500 or more, up to 85% of your Latitude GO Mastercard credit limit. Monthly payments required (exact amounts specified in your statement). Paying only the minimum monthly payment may not pay out the balance transfer amount before the end of the promotional period. If there is an outstanding balance after the promotional period, interest will be charged at the cash annual percentage rate, currently 29.99% (subject to change). A once-off balance transfer fee of 3% applies to the amount being transferred. This will be charged to your Latitude GO Mastercard credit card account when the balance transfer is processed.

New customers only, must be approved by 31 July 2025. Latitude may vary, extend or withdraw this offer at any time without notice.

Latitude Credit Card General Terms and Conditions set out the T&Cs of the Latitude GO Mastercard credit card. Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit Licence number 392145.

¹⁵$100 Latitude Reward is available to applicants that apply for a Latitude 28° Global Platinum Mastercard and are approved by 28 August 2025. Offer is not available to current 28 Degrees cardholders and is limited to one offer per applicant. To qualify, you must be approved and fulfil on the terms of the offer by spending $1,000 or more on eligible transactions each statement period for 3 months from the date of your approval. Any purchases made by an additional cardholder will contribute towards the primary cardholder's spend threshold. Eligible transactions are based on the date posted and do not include cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, interest, and balance transfers into an account. The account must be open and not in default of the credit contract when the redeemable amount is issued. The Latitude Rewards will be issued by EonX Services Pty Ltd and will be available for redemption via the Latitude App or Latitude Service Centre within 30 days of meeting the spend criteria. The primary cardholder has up to 18 months to redeem from the date of issue. Latitude may vary, extend, or withdraw this offer at any time without notice.

¹⁶The $96 annual card fee will be waived for your first year for new and approved Latitude 28° Global Platinum Mastercard customers from 29 May 2025. To have your annual credit card fee waived in your second year, you must spend at least $12,000 on eligible purchases in your first year. Each subsequent year, you will qualify for a card fee waiver if you spend at least $12,000 on eligible purchases in the preceding 12-month period. Your annual anniversary date is the date your first full statement cycle begins. The $96 annual card fee is subject to change. Any purchases made by an additional cardholder will contribute towards the primary cardholder's spend threshold. Eligible transactions are based on the date posted and do not include cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, Shopper's Protection premiums, interest and balance transfers into an account.

¹⁷Latitude 28° Global Platinum Mastercard cardholders will be eligible for a $10 Latitude Reward every statement period which is redeemable for an e-gift card from participating retailers when they spend $1,000 or more on eligible purchases using their credit card within the statement period.

From 29 May 2025, new and approved customers will be eligible for an additional $10 Latitude Reward when they spend a $1,000 or more on eligible purchases in a foreign currency within the statement period. For example, if your total spend on purchases in a foreign currency within a statement period is equivalent to AUD$1,000 or more, you will receive a maximum total of $20 in Latitude Rewards.

Any purchases made by an additional cardholder will contribute towards the primary cardholder's spend threshold. Eligible transactions are based on the date posted and do not include cash advances, cash equivalent transactions, card fees or charges, credits, refunds, reimbursements, interest and balance transfers into an account. The account must be open and not in default of the credit contract when the Latitude Rewards is issued. The Latitude Rewards will be issued by EonX Services Pty Ltd and will be available for redemption via the Latitude App or Latitude Service Centre within 30 days from the end of the statement period. The primary cardholder has up to 18 months to redeem from the date of issue. View Latitude 28° Global Platinum Mastercard Rewards Program Terms and Conditions.

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Credit and lending criteria apply to this credit card. Refer to Latitude Credit Card General Terms and Conditions for more information.