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150,000 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 6 October 2021

Enjoy 150,000 Bonus Membership Rewards Points when you apply online, are approved and spend $3,000 on your new American Express Explorer Credit Card within the first 3 months from card approval. Plus, earn 2 points per $1 spent on purchases. 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 airline lounge passes per year.

T&Cs apply. Offer ends 26 October 2021

Points Earn Rate (per $1 spent)

2 points

Amex

Rewards Program

Amex Membership Rewards

Bonus Points

150,000 pts

Spend $3,000 in first 3 months

Pros and cons

  • 150,000 Bonus Membership Rewards Points when you apply online, are approved and spend $3,000 within the first 3 months from card approval. 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 3 extra points per $1 spent when you save the American Express Shop Small offer to your card and spend at participating businesses – up to 40,000 extra points until 31 March 2022
  • 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 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
  • 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 new cardholder, you’ll receive 150,000 Bonus Membership Rewards Points when you apply online, 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 domestic or international flights, hotels, experiences or car hire booked online through American Express Travel. That $395 annual fee ain’t looking so bad now, is it?

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.

If you want to earn more points, save the Shop Small offer to your card and spend at participating Shop Small businesses to receive 3 extra points per $1 spent, up to 40,000 extra points. Offer runs until 31 March 2022.

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 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, purchase protection, Buyer’s Advantage cover, and refund protection. 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 Zealand Airpoints (NZ) 200 MR = 1 Airpoints 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 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.

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 cardholder 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 150,000 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 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 AMEX Lounge at the Sydney or Melbourne International Airport each year

Overview

American Express Explorer Credit Card

Delivering premium rewards with 150,000 Bonus Membership Rewards® Points when you apply online, are approved and spend $3,000 on your new American Express Explorer Credit Card within the first 3 months from card approval. 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. Earn also 3 extra points per $1 spend and up to 40,000 extra points from Shop Small offer. Points can be transferred to 9 airline rewards partner programs.

Key features

  • 150,000 Bonus Membership Rewards Points when you apply online, are approved and spend $3,000 within the first 3 months from card approval. 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
  • Earn 3 extra points per $1 spent when you save the American Express Shop Small offer to your card and spend at participating businesses – up to 40,000 extra points until 31 March 2022
  • Up to $500 Smartphone screen insurance cover
  • Two complimentary entries per year to the American Express Lounge at Sydney International Airport or Melbourne International Airport
  • Transfer your points to 9 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 travel and retail insurance covers
  • 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 vis (at least 12 months; 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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