Ask Pauline a Question

Hi, I’m a personal finance expert who loves to help you out! I’ll answer your question within a business day. Pinky swear.

We ask for your email so we can respond to you directly. We won’t share your personal data. For more information, see our privacy policy.

50,000 Spend $4,000 in first 3 months
American Express Explorer Credit Card
American Express Explorer Credit Card

American Express Credit Cards

American Express Explorer Credit Card

Updated 1 March 2024

Enjoy 50,000 Bonus Membership Rewards Points when you apply online, are approved, and spend $4,000 on eligible purchases on your new Card within the first 3 months. Receive $400 Travel Credit every year and earn up to US$100 hotel credit and room upgrade (when available) at select hotels in The Hotel Collection. Complimentary Travel Insurance and two airport lounge passes per year. New American Express Card Members only. T&Cs apply.

Points Earn Rate (per $1 spent)

2 points

Amex

Rewards Program

Amex Membership Rewards

Bonus Points

50,000 pts

Spend $4,000 in first 3 months

Pros and cons

  • Enjoy 50,000 Bonus Membership Rewards Points when you apply online, are approved, and spend $4,000 on eligible purchases on your new Card within the first 3 months. T&Cs apply. New Card Members only.
  • $400 Travel Credit every year with American Express Travel
  • Earn 2 points per $1 spent on purchases excluding government spend in Australia where you’ll earn 1 point per $1 spent
  • Earn up to US$100 hotel credit and room upgrade (when available) when you book at least 2 consecutive nights at select hotels in The Hotel Collection using your American Express Explorer credit card
  • Two complimentary entries per year to the Centurion® Lounge at Sydney International Airport or Melbourne International Airport
  • Choose one of 10 airlines to transfer points or redeem online for a gift card
  • Uncapped earn rate and no expiry on Membership Rewards points
  • Complimentary domestic and international Travel Insurance (including limited cover related to COVID-19, T&Cs apply)
  • Complimentary Smartphone Screen Cover, Buyer’s Advantage Cover, Card Purchase Cover, and Card Refund Cover
  • Up to 4 free additional Card Members

  • Relatively high annual fee if you cannot use all travel benefits
  • Relatively high purchase rate of 23.99% p.a.
  • No introductory balance transfer offer

Creditcard.com.au review

Editor Review

American Express Explorer Credit Card

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. about this 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 23.99% p.a.

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 new cardholder, you’ll receive 50,000 Bonus Membership Rewards Points and when you apply online, are approved, and spend $4,000 on your new Card within the first 3 months. The 50,000 Bonus Membership Rewards Points will be credited your account 8-10 weeks after the spend criteria has been met.

Aside from the intro offers, the card has some fantastic extras. Cardholders receive $400 Travel Credit every year, which can be used towards eligible flights, hotels, and car hire booked online through American Express Travel. The Travel Credit will need to be redeemed on a single travel booking of at least $400 through American Express Travel Online using your Explorer card. The Travel Credit will be credited to your account within 3 business days (but allow 30 just in case).

Additionally, earn 2 points per $1 spent on purchases excluding government spend in Australia where you’ll earn 1 point per $1 spent. Collect points faster by adding 4 additional cards at no extra fee. What’s more wonderful about this card is the no limit, no expiry feature in terms of earning points.

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 Centurion® Lounge, located at Sydney International Airport or Melbourne International Airport by simply presenting their physical eligible cards to gain access. On top of this, you will also earn up to US$100 hotel credit and room upgrade (when available) when you book at least 2 consecutive nights at select hotels in The Hotel Collection using your American Express Explorer credit card. That's $1 earned for every dollar spent on dining, spa and resort activities. And if the selected The Hotel Collection accommodation allows you to prepay in advance, you may be able to pay with your Membership Rewards® points and/or the Travel Credit on the American Express Travel website via Pay with Points (PwP). A one category room upgrade is based on availability and eligibility at check-in to the hotel.

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 their spending and is worth paying in the long run.

Meanwhile, the card has a 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 domestic and international Travel Insurance (with limited cover related to COVID-19, T&Cs apply), Card Purchase Cover, Buyer’s Advantage Cover, and Card Refund Cover. Plus, up to $500 Smartphone Screen Cover 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 10 airline rewards partner programs including Singapore Airlines.

Rates are correct and updated as of 12 October 2023.
Program name Conversion rate
Air New Zealand Airpoints (NZ) 200 MR = 1 Airpoints Dollar
Cathay – Asia Miles 2 MR = 1 Asia Mile
Emirates Skywards 3 MR = 1 Skyward Mile
Etihad Guest 2 MR = 1 Etihad Guest Mile
Hawaiian Airlines 2 MR = 1 Hawaiian Mile
Qatar Airways Privilege Club 2 MR = 1 Avios
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
Velocity Frequent Flyer 2 MR = 1 Velocity Point

 

Cardholders benefit from secure check-out with Google Pay, Apple Pay and Samsung Pay and are protected with 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. Take advantage of a 50,000 Bonus Membership Rewards Points.

User reviews

American Express Explorer Credit Card ( based on 6 Creditcard.com.au user reviews )

30% rating based on 6 reviews

Rates
Fees
Rewards
Customer Service
Value
0%

Chris

20 March 2024

If you’re planning on travelling at least once a year, this card is a no-brainer. You technically make $5 as your annual ‘fee’

Recommends this card
90%

Brenna

29 September 2022

I absolutely love the Amex Explorer Card. I will always use the $400 travel credit each year, so the $395 annual fee is irrelevant and technically means I make $5 by having the card. I pay the full balance due each month so I have never incurred the high interest rate charges. I had previously had a Gold Amex that cost me $80, but I didn't get anything for that. 2 points for each $1 spend, excluding government services, which you still get 1 point. I pay my quarterly tax and GST using the card and the fee the Tax office charge for using Amex is a tax deduction.

Recommends this card

Rates and fees

Interest rates



Purchase rate 23.99% 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 cardholder fee Up to 4 at no extra cost

Foreign transaction fee 3%

Minimum repayment $30 or 2.5%, whichever is greater (personal & business); N/A (charge cards)

Cash advance fee N/A

Late payment fee $30

Rewards and points

Rewards program

Rewards Program Amex Membership Rewards Amex Membership Rewards

Bonus points 50,000 points

Annual points cap uncapped

Bonus points spend criteria Spend $4,000 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 Yes

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 Centurion® Lounge at the Sydney or Melbourne International Airport each year

Overview

American Express Explorer Credit Card

Enjoy 50,000 Bonus Membership Rewards Points when you apply online, are approved, and spend $4,000 on eligible purchases 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 Cover. Points can be transferred to 10 airline rewards partner programs.

Key features

  • Enjoy 50,000 Bonus Membership Rewards Points when you apply online, are approved, and spend $4,000 on eligible purchases on your new Card within the first 3 months. T&Cs apply. New Card Members only.
  • $400 Travel Credit every year
  • Earn 2 points per $1 spent on purchases excluding government spend in Australia where you’ll earn 1 point per $1 spent
  • Earn up to US$100 hotel credit and room upgrade (when available) when you book at least 2 consecutive nights at select hotels in The Hotel Collection using your American Express Explorer credit card
  • Up to $500 Smartphone Screen Cover
  • Two complimentary entries per year to the Centurion® Lounge at Sydney International Airport or Melbourne International Airport
  • Transfer your points to 10 airline rewards partner programs including Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles, Emirates Skywards and more
  • Uncapped earn rate and no expiry on Membership Rewards points
  • Complimentary domestic and international Travel Insurance (including limited cover related to COVID-19, T&Cs apply)
  • Up to 4 free additional Card Members
  • 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 (at least 12 months; does not include student visas).

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

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

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

50 questions (showing the latest 10 Q&As)

Victoria Barr

Victoria Barr

13 October 2023
I currently have an Amex David Jones Platinum card if I change to the Explorer card will I receive the 50,000 bonus points. Or should I wait to see if When the DJs amex closes Will there be any offers to card holders to encourage taking a new Amex card.
    Pauline - CreditCard.com.au

    Pauline

    17 October 2023
    Hi Victoria, the terms for the bonus points on the Explorer card say “If you are an existing David Jones Card Member and don’t hold or have previously held any other American Express Card(s) in the past 18 months, you will be eligible for the offer”. So I think that answers both questions - you could be eligible if that’s your only Amex card, and it looks like that’s how Amex is encouraging DJ cardholders to switch! Good luck Victoria!
Graham & Julie Smith

Graham & Julie Smith

19 May 2023
I am an explorer CC holder. I currently have a Priority Pass - it expires in Feb 2024 I see, is this card z/ or was this card through you ?
    Pauline - CreditCard.com.au

    Pauline

    23 May 2023
    Hi Graham and Julie! We compare credit cards but you would have ultimately applied directly through Amex. You also would have had to sign up for Priority Pass through its website. This is its help page where you can update or renew your pass. Hope that helps!
Denis Streater

Denis Streater

25 October 2022
Not so much a question but an interesting case study and it revolves around the minimum income which is $65000 (pre-tax I gather) for the Explorers Card. I am 75, retired, my superannuation balance is $760,000 and I own a house outright which is worth about $2M. I draw down $55,000 pa from super which is not taxed - I can draw down $65000 if I wish to - it is my option. My wife has a house and her own superannuation but this is of course not relevant to my application. I was after an Explorers Card with a credit of about $7500 for overseas travel which included the 'seemingly attractive' option of an unlimited excess for damage to a rental car or theft thereof etc. Amex will not give me an Explorers Card. Amex says it has reviewed my superannuation balance and applied some tests and I do not qualify for a card. Perhaps Amex is saying a drawdown of $65,000pa is not consistent with my balance. It seems crazy to me that, given my assets, and tax free income, I cannot take out this card. I will have to stick with my Commonwealth Bank Mastercard.
    Pauline - CreditCard.com.au

    Pauline

    27 October 2022
    Hi Denis, thanks for looping back and sharing your story. It must be super frustrating that Amex said no, but hopefully other users will read your story and learn from it. Hopefully you’ll still have a great time in Europe!
Denis Streater

Denis Streater

23 October 2022
Hi Pauline, I will rent a car in Europe in 2023. I prefer to be fully insured in case of significant damage to the car. Comprehensive car insurance is expensive but I understand the Explorer card will cover any costs to the renter of damage up to $100,000 (provided the rental agreement is not breached). Is this your understanding? Does the 3% transaction fee mean that every time I use the card (e.g. to pay for my international airfares and hire the rental car I am liable for 3%? How does this compare to the Commonwealth Bank Diamond Mastercard? Is Covid cover comparable with other credit cards?
    Pauline - CreditCard.com.au

    Pauline

    25 October 2022
    Hi Denis, it’s a tricky area with Rental Vehicle Insurance Excess. There’s a whole lot of information to unpack in the Amex Explorer Insurance T&C’s. Amex insurance is underwritten by Chubb, so it would be best to get the details straight with them. Give them a call on 1800 950 797 after 9am and before 5pm on Monday to Friday. The 3% fee is for transactions done in a foreign currency, so if the merchant isn’t located in Australia - you’ll pay this fee. The Commonwealth Bank Diamond card also has a 3% fee too. We did a deep dive into complimentary covid cover with credit cards in this piece which should help shed some light on what you’re after. Hopefully we’ve shed some light on your questions for you, and hope you have a great time in Europe!
Adam

Adam

18 October 2022
Hi, Do you know the maximum amount of credit available on this card is please? Cheers
    Pauline - CreditCard.com.au

    Pauline

    19 October 2022
    Hi Adam, unfortunately, American Express does not state the maximum credit limit they can set for their cards. However, it indicates that you may be approved for at least a $3000 credit limit if you’re eligible and approved for the card.
Nicole

Nicole

31 August 2022
Hi, are NZ citizens eligible to apply for this card? Noting NZ citizens are technically classified as a "temporary" resident on a subclass 444 visa, however are entitled to reside here indefinitely. Thanks!
    Pauline - CreditCard.com.au

    Pauline

    2 September 2022
    Hi there Nicole, the Amex site states that you must hold a long term visa, with more than 12 months or more left on it. There may be other conditions attached to your individual application, so best to check with Amex directly before applying.
anil

anil

3 July 2022
amex explorer card insurance
    Pauline - CreditCard.com.au

    Pauline

    4 July 2022
    Hi Anil, this card features Complimentary domestic and international Travel Insurance (including COVID-19 coverage, T&Cs applicable), Complimentary Smartphone Screen Cover, Buyer’s Advantage Cover, Card Purchase Cover and Card Refund Cover.
Julius

Julius

7 May 2022
My application for this card has just been approved yesterday. Will purchasing Coles gift cards and paying visa processing fee to Immigration Department be counted as eligible purchases to meet the minimum $4,000 spend in 3 months? Thanks.
    Pauline - CreditCard.com.au

    Pauline

    11 May 2022
    Hi Julius, congratulations on your new card! The great thing about Amex cards is that you earn points for your spend at government bodies. However, buying gift cards could be considered a cash advance. You can check with American Express by calling the phone number listed on the back of the card.
Colleen

Colleen

17 March 2022
I have an Explorer card and my spouse has an additional card on my account. Is she able to access reward points to transfer to her own KrisFlyer account?
    Pauline - CreditCard.com.au

    Pauline

    17 March 2022
    Hi Colleen, to transfer points you’ll need to login to your account and transfer to your partners account. You’ll get a 2:1 ratio of Amex Member Rewards to Krisflyer points
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.

Featured Credit Cards

33 reviews
points earned over 12 months

8 reviews
points earned over 12 months

13 reviews
points earned over 12 months
Help us improve

By submitting this feedback you agree to our privacy policy.

My credit card is not listed

By submitting this form you agree to our privacy policy.