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90,000 Spend $3,000 in first 3 months
American Express Explorer Credit Card
American Express Explorer Credit Card

American Express Credit Cards

American Express Explorer Credit Card

Updated 8 April 2021

Receive up to 90,000 Bonus Membership Rewards Points and get $300 back when you apply online by 3 May 2021, are approved and spend $3,000 on your new Card within the first 3 months. Plus earn up to 2 points per $1 spent. Enjoy $400 Travel Credit every year and two complimentary airline lounge passes. New card members only.

T&Cs apply. Offer ends 3 May 2021

Purchase Rate (p.a)

20.74%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$395

$0

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Pros and cons

  • 90,000 Bonus Membership Rewards Points plus $300 back statement credit
  • $400 Travel Credit every year
  • Two complimentary entries per year to the American Express Lounge at Sydney International Airport or Melbourne International Airport
  • Choose one of 9 airlines to transfer points or redeem online for a gift card
  • Earn up to 2 points per $1 spent
  • Uncapped earn rate and no expiry on Membership Rewards points
  • Complimentary insurance cover for travel, purchased goods and smartphone screen
  • Up to 4 free additional Card Members

  • Relatively high annual fee if you cannot use all travel benefits
  • Relatively high purchase rate of 20.74% p.a.
  • No introductory balance transfer offer

Creditcard.com.au review

Editor Review

American Express Explorer Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The American Express Explorer® Credit Card

Love a bit of prestige? Then this new card from American Express could be the card for you. Take a deep breath. Yes, the American Express Explorer Credit Card is here.

Designed to stand up alongside the big boys, Amex’s new Explorer Card faces tough competition from the likes of the ANZ Rewards Black Credit Card, the Commonwealth Bank Awards Diamond Credit Card, and the Westpac Altitude Black Credit Card.

Does it do the job? Does it stand out from the crowd? Does it really provide all the extras you would expect from a prestige credit card with a prestige price tag? Let’s take a look.

What we love...

Let’s start by pointing out the obvious. This is not meant to be a low cost card that helps you save money. This card is aimed at big earners and big spenders. Not only does it have an annual fee of $395, it also has a purchase rate of 20.74% p.a., and a minimum annual income requirement of $65,000.

If any of that makes your eyes water, then this baby is most definitely not for you.

So, on the basis that we understand exactly what – and who – this card is designed for, let’s move on to what we love about this card.

First off, we couldn’t go far without mentioning the card’s awesome sign-up offer. As a cardholder, you’ll receive 90,000 Bonus Membership Rewards Points and get a $300 Statement Credit when you apply online by 3 May 2021, are approved and spend $3,000 on your new Card within the first 3 months.

Aside from the intro offers, the card has some fantastic extras. Cardholders receive $400 Travel Credit every year, which can be used towards flights, hotels, experiences or car hire booked online through American Express Travel. That $395 annual fee ain’t looking so bad now, is it?

Another interesting extra for frequent travellers is the card’s special airport lounge access. Cardholders can live it up with two entries per year to the American Express Lounge, located at Sydney International Airport or Melbourne International Airport. On top of this, you will also receive up to US$100 hotel credit and a room upgrade (when available) when you book at least 2 consecutive nights using your American Express Explorer credit card at selected hotels in The Hotel Collection like Hyatt and Hilton Hotels.

What’s not so great...

Undeniably, American Express Explorer Credit Card offers plenty of perks and rewards but cardholders should think about whether the relatively high annual fee values on their spending ongoing and worth paying in the long run.

Meanwhile, the card has high purchase rate, so it’s best to avoid interest payments altogether by clearing your balance month-to-month.

Why should you choose this card?

As a premium card, the Explorer offers plenty of premium features. Just take a look at all the complimentary insurances on offer. Yes, you get all the ‘standard’ premium card insurances, including travel insurance, car rental insurance, purchase protection, refund protection and extended warranty. Plus, up to $500 smartphone screen insurance for screen repairs when you pay for your phone or contract with your American Express Explorer card.

As for the rewards program, you can earn up to 2 Membership Rewards points for every $1 spent on the card, with no points cap. These points can be redeemed online for gift cards, or transferred to a choice of 9 airline rewards partner programs including Singapore Airlines.

Program name Conversion rate
Air New Zeland Airpoints (NZ) 200 MR = 1 Airpoint Dollar
Cathay – Asia Miles 2 MR = 1 Asia Mile
Emirates Skywards 2 MR = 1 Skyward Mile
Etihad Guest 2 MR = 1 Etihad Guest Mile
Singapore Airlines KrisFlyer 2 MR = 1 KrisFlyer Mile
Malaysian Airlines Enrich 2 MR = 1 Enrich Mile
THAI Royal Orchid Plus 2 MR = 1 Royal Orchid Plus Mile
Virgin Atlantic 2 MR = 1 Virgin Point
Velocity Frequent Flyer 2 MR = 1 Velocity Point

 

Cardholders benefit from Google Pay, Apple Pay and Samsung Pay, up to 4 free additional Card Members, Emergency Card replacement and Online Fraud Protection Guarantee.

Overall Rating

The American Express Explorer Credit Card is a premium card with premium features. If you are looking for a card that offers amazing rewards, intro offers, features and extras, this is well worth a closer look.

User reviews

American Express Explorer Credit Card ( based on 1 Creditcard.com.au user review )

74% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 20.74% p.a.

Cash advance rate N/A

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limit $3,000

Maximum credit limit N/A

Fees & repayments

Annual fee $395 p.a.

Additional card holder fee Up to 4 at no extra cost

Foreign transaction fee 3%

Minimum repayment $30 or 2.5% (whichever is greater)

Cash advance fee N/A

Late payment fee $30

Rewards and points

Rewards program

Rewards Program Amex Membership Rewards Amex Membership Rewards

Bonus points 90,000 points

Annual points cap uncapped

Bonus points spend criteria Spend $3,000 in first 3 months

Earning points with this card

Amex Rewards points 2 points per $1 spent

Points cap per month N/A

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance Yes - up to 6 months

Flight Inconvenience Insurance Yes

Transit Accident Insurance No

Smartphone Screen Insurance Yes

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance No

Extras

$400 Travel Credit every year

Eligible with Apple Pay, Samsung Pay and Google Pay

Two entries to the AMEX Lounge at the Sydney or Melbourne International Airport each year

Overview

American Express Explorer Credit Card

Delivering premium rewards with 90,000 Membership Rewards® Bonus Points plus $300 back statement credit when you apply online by 3 May 2021, are approved and spend $3,000 on your new card within the first 3 months. Enjoy great travel benefits including $400 Annual Travel Credit, complimentary airport lounge access, up to US$100 hotel credit and a room upgrade (when available) at selected hotels in The Hotel Collection and a range of complimentary insurances plus, Smartphone Screen Insurance. Points can be transferred to 9 airline rewards partner programs.

Key features

  • Receive 90,000 Bonus Membership Rewards Points and get $300 back statement credit
  • $400 Travel Credit every year
  • Two complimentary entries per year to the American Express Lounge at Sydney International Airport or Melbourne International Airport
  • Earn 2 Membership Rewards points per $1 spent. No cap on earn rate.
  • Up to US$100 hotel credit and room upgrade (when available) at select hotels in The Hotel Collection
  • Transfer your points to 9 airline rewards partner programs including Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles, Emirates Skywards and more.
  • Up to $500 Smartphone screen insurance cover
  • Eligible for use with Google Pay, Apple Pay and Samsung Pay

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Australian citizen or permanent resident or hold a long term visa. Long term means at least 12 months and does not include student visas.

  • Minimum income of $65,000 p.a.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

41 questions (showing the latest 10 Q&As)

William Noney

William Noney

1 November 2018
My wife and I are recently retired. We own our own home, own two investment properties and have no outstanding debt apart from $500k for an investment property. We have an excellent credit rating and have lived at our current home for nearly 20 years. Do we qualify for this Amex card please?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 November 2018
    Hi William, as long as you meet the minimum income requirements of 65k a year then you can apply. This can be household income with AMEX as they are quite flexible. The income can be made up of payments from super, income from your investment properties and other sources. Best of luck with your application.

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