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American Express Explorer Credit Card

1 review
points over 12 months Calculate your savings icon

Earn rate per $1

2 points
16.77% Complete (success)
Amex Membership Rewards

Bonus points

50,000 points
50,000% Complete (success)

Annual fee

$395
p.a.
395% Complete (success)

Pros

50,000 Membership Rewards® Bonus Points when you apply online, are approved and spend $3,000 on your Card within the first 3 months

$400 Travel Credit every year

Smartphone Screen Insurance

Points earning 2 points per $1 spent. Choose one of 8 airlines to transfer points or redeem online for a gift card

Additional card holder free

Two complimentary entries per year to the American Express Lounge, located at Sydney International Airport or Melbourne International Airport

No cap on earn rate and no expiry on Membership Rewards points

Transfer your points to a choice of 8 Airline Partner Programs including Virgin Australia and Singapore Airlines

Cons

The maximum balance transfer that you can be approved for is $10,000 or 70% of your approved credit limit, whichever is less.

A one-off credit plan establishment fee of 1% applies to any balances transferred.

American Express Explorer Credit Card

Delivering premium rewards with 50,000 Membership Rewards® Bonus Points when you apply online, are approved and spend $3,000 on your Card within the first 3 months of Card Membership. This offer is available to new Card Members, as well as Bank-issued American Express companion cardholders. $400 Travel Credit every year, Smartphone Screen Insurance and 0% p.a. on balance transfers for the first 12 months (one-off fee of 1% applies to any balances transferred). Enjoy two complimentary entries per year to the American Express Lounge, located at Sydney International Airport or Melbourne International Airport. Points can be transferred to the following partner programs: Virgin Australia Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles™, Emirates Skywards, Etihad Guest, THAI Royal Orchid Plus, Malaysia Airlines Enrich, Air New Zealand Airpoints™. The Hotel Collection includes hundreds of curated properties from trusted brands like Hyatt and Hilton Hotels. When you book two consecutive nights’ stay using your American Express Explorer credit card, you can enjoy a hotel credit up to US$75 and a room upgrade, when available.

Point redemption rates will change as of 15 April 2019. Please click here for further detail.

Key features

  • Receive 50,000 Membership Rewards® Bonus Points when you apply online, are approved and spend $3,000 on your Card within the first 3 months of Card Membership. This offer is available to new Card Members, as well as Bank-issued American Express companion cardholders.
  • $400 Travel Credit every year **
  • 0% p.a. on balance transfers for the first 12 months - A one-off credit plan establishment fee of 1% applies *
  • Annual fee of $395
  • Enjoy two complimentary entries per year to the American Express Lounge, located at Sydney International Airport or Melbourne International Airport
  • The Hotel Collection includes hundreds of curated properties from trusted brands like Hyatt and Hilton Hotels. When you book two consecutive nights' stay using your American Express Explorer credit card, you can enjoy a hotel credit up to US$75 and a room upgrade, when available.
  • Earn up to 2 Membership Rewards point for every $1 spent. No cap on earn rate.
  • Transfer your points to a choice of 8 airline rewards partner programs: Virgin Australia Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles™, Emirates Skywards, Etihad Guest, THAI Royal Orchid Plus, Malaysia Airlines Enrich, Air New Zealand Airpoints™.
  • Smartphone Screen Insurance for up to $500 for screen repairs to your Smartphone when you pay for your phone or contract with your American Express Explorer Credit Card
  • Eligible for use with Google Pay, Apple Pay and Samsung Pay
  • Point redemption rates will change as of 15 April 2019. Please click here for further detail.
custom Image

Points transfer rates until 14 April 2019

1 Membership Rewards point = 0.75 frequent flyer point

Asia Miles, Emirates Skywards, Etihad Guest, Malaysian Airlines Enrich, Singapore Airlines KrisFlyer, THAI Royal Orchid Plus and Velocity Frequent Flyer.

100 Membership Rewards points = 0.75 Airpoints

Air New Zealand Airpoints

3 Membership Rewards points = 2 Marriott points (Marriott Rewards-Starwood Preferred Guest)

1 Membership Rewards point = 1 Honors point (Hilton Honors)

13,500 Membership Rewards points = $100 travel reward

Helloworld, American Express Travel Online, David Jones Pay with points, Ticketmaster, American Express Foreign Exchange, eGift Cards and Gift Cards, Select+Pay with points, Points for Credit Card

Point redemption rates will change as of 15 April 2019. Please click here for further detail.

  • Rates
    30%
  • Fees
    69%
  • Rewards
    100%
  • Customer Service
    95%
  • Value
    74%
100% of customers who have rated this card would recommend it
Overall customer rating 74%
1 reviews
Interest Rates
Purchase rate 20.74% p.a.
Cash advance rate N/A
Interest free on purchases up to 55 days
Balance Transfer
Balance transfer rate 0% p.a. for 12 months
Balance transfer fee 1% one off
Balance Transfer revert rate 20.74% p.a.
Balance transfer limit 70% of your approved new credit limit
Balance transfer from personal loan N/A
Banks you can't balance transfer from American Express
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
Cash advance fee N/A
Foreign transaction fee 3%
Minimum repayment 2.5%
Late payment fee $30
Credit card type American Express
Rewards program
Rewards program Amex Membership Rewards Amex Membership Rewards
Bonus points 50,000 Amex points
Annual points cap uncapped
Bonus points spend criteria Spend $3,000 in first 3 months
Earning points with this card
Amex points 2 points per $1 spent
Overseas earn rate same as standard earn rate
Points cap per month N/A
Complimentary insurance
Overseas travel insurance yes - up to 6 months
Flight inconvenience insurance Yes
Transport accident cover No
Smartphone screen insurance Yes
Purchase protection insurance Yes
Extended warranty insurance Yes
Rental vehicle excess cover 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

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 50,000 Membership Rewards Bonus Points on sign-up. Yep, 50,000 points to spend as you like. All you have to do is apply online, get approved and spend $3,000 on your card within the first three months.

On top of that, you have a pretty decent balance transfer offer, giving you 0% on balance transfers for 12 months. Any drawbacks? Check out the next section for more.

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.

What’s not so great...

Back to that balance transfer offer. It’s worth noting that there is a one-off credit plan establishment fee of 1% applied to any balances transferred. In addition, there is a maximum balance transfer of $10,000, or 70% of your approved credit limit, whichever is less.

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. But you also get smartphone screen insurance too. Handy.

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 eight airline rewards partner programs including Virgin Australia and Singapore Airlines. Point redemption rates will change as of 15 April 2019. Please click here for further detail.

Other extras include access to 24/7 Priority Service, Amex Invites and Amex Offers. Cardholders also benefit from Google Pay, Apple Pay and Samsung Pay, one additional cardholder free, 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.

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.
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Australian citizen or permanent resident or hold a current Business Long Stay Visa (subclass 457)
  • Minimum income of $65,000 p.a.
  • You have your personal details ready to complete the online application
American Express Explorer Credit Card
American Express Explorer Credit Card

American Express Credit Cards

American Express Explorer Credit Card

14 March 2019

Points Earn Rate (per $1 spent)

2

points

Amex

Rewards Program

Amex Membership Rewards

Bonus Points

50,000 pts

Spend $3,000 in first 3 months

0 points over 12 months spend

My monthly card spend

American Express Explorer Credit Card

Delivering premium rewards with 50,000 Membership Rewards® Bonus Points when you apply online, are approved and spend $3,000 on your Card within the first 3 months of Card Membership. This offer is available to new Card Members, as well as Bank-issued American Express companion cardholders. $400 Travel Credit every year, Smartphone Screen Insurance and 0% p.a. on balance transfers for the first 12 months (one-off fee of 1% applies to any balances transferred). Enjoy two complimentary entries per year to the American Express Lounge, located at Sydney International Airport or Melbourne International Airport. Points can be transferred to the following partner programs: Virgin Australia Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles™, Emirates Skywards, Etihad Guest, THAI Royal Orchid Plus, Malaysia Airlines Enrich, Air New Zealand Airpoints™. The Hotel Collection includes hundreds of curated properties from trusted brands like Hyatt and Hilton Hotels. When you book two consecutive nights’ stay using your American Express Explorer credit card, you can enjoy a hotel credit up to US$75 and a room upgrade, when available.

Point redemption rates will change as of 15 April 2019. Please click here for further detail.

Key features

  • Receive 50,000 Membership Rewards® Bonus Points when you apply online, are approved and spend $3,000 on your Card within the first 3 months of Card Membership. This offer is available to new Card Members, as well as Bank-issued American Express companion cardholders.
  • $400 Travel Credit every year **
  • 0% p.a. on balance transfers for the first 12 months - A one-off credit plan establishment fee of 1% applies *
  • Annual fee of $395
  • Enjoy two complimentary entries per year to the American Express Lounge, located at Sydney International Airport or Melbourne International Airport
  • The Hotel Collection includes hundreds of curated properties from trusted brands like Hyatt and Hilton Hotels. When you book two consecutive nights' stay using your American Express Explorer credit card, you can enjoy a hotel credit up to US$75 and a room upgrade, when available.
  • Earn up to 2 Membership Rewards point for every $1 spent. No cap on earn rate.
  • Transfer your points to a choice of 8 airline rewards partner programs: Virgin Australia Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles™, Emirates Skywards, Etihad Guest, THAI Royal Orchid Plus, Malaysia Airlines Enrich, Air New Zealand Airpoints™.
  • Smartphone Screen Insurance for up to $500 for screen repairs to your Smartphone when you pay for your phone or contract with your American Express Explorer Credit Card
  • Eligible for use with Google Pay, Apple Pay and Samsung Pay
  • Point redemption rates will change as of 15 April 2019. Please click here for further detail.

Customer Reviews

American Express Explorer Credit Card

74% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates & Fees

Interest rates

Purchase rate 20.74% p.a.

Cash advance rate N/A

Interest free on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 12 months

Balance transfer revert rate 20.74% p.a.

Balance transfer from personal loan N/A

Balance transfer fee 1% one off

Balance transfer limit 70% of approved credit limit

Banks you can't balance transfer from American Express

Credit limits

Minimum credit limt $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 2.5%

Cash advance fee N/A

Late payment fee $30

Rewards & points

Rewards program

Rewards Program Amex Membership Rewards Amex Membership Rewards

Bonus points 50,000 Amex points

Annual points cap uncapped

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

Earning points with this card

Amex pointsAmex points 2 points per $1 spent

Points cap per month N/A

Overseas earn rateOverseas earn rate same as standard earn rate

Additional features

Complimentary insurance

Overseas travel insurance yes - up to 6 months

Flight inconvenience insurance Yes

Transport accident cover No

Smartphone Screen Insurance Yes

Purchase protection insurance Yes

Extended warranty insurance Yes

Rental vehicle excess cover 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

Our Review

Editor Review

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 50,000 Membership Rewards Bonus Points on sign-up. Yep, 50,000 points to spend as you like. All you have to do is apply online, get approved and spend $3,000 on your card within the first three months.

On top of that, you have a pretty decent balance transfer offer, giving you 0% on balance transfers for 12 months. Any drawbacks? Check out the next section for more.

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.

What’s not so great...

Back to that balance transfer offer. It’s worth noting that there is a one-off credit plan establishment fee of 1% applied to any balances transferred. In addition, there is a maximum balance transfer of $10,000, or 70% of your approved credit limit, whichever is less.

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. But you also get smartphone screen insurance too. Handy.

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 eight airline rewards partner programs including Virgin Australia and Singapore Airlines. Point redemption rates will change as of 15 April 2019. Please click here for further detail.

Other extras include access to 24/7 Priority Service, Amex Invites and Amex Offers. Cardholders also benefit from Google Pay, Apple Pay and Samsung Pay, one additional cardholder free, 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.

Pros

  • 50,000 Membership Rewards® Bonus Points when you apply online, are approved and spend $3,000 on your Card within the first 3 months
  • $400 Travel Credit every year
  • Smartphone Screen Insurance
  • Points earning 2 points per $1 spent. Choose one of 8 airlines to transfer points or redeem online for a gift card
  • Additional card holder free
  • Two complimentary entries per year to the American Express Lounge, located at Sydney International Airport or Melbourne International Airport
  • No cap on earn rate and no expiry on Membership Rewards points
  • Transfer your points to a choice of 8 Airline Partner Programs including Virgin Australia and Singapore Airlines

Cons

  • The maximum balance transfer that you can be approved for is $10,000 or 70% of your approved credit limit, whichever is less.
  • A one-off credit plan establishment fee of 1% applies to any balances transferred.
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 Question

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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