American Express
American Express

American Express Business Explorer Credit Card

Purchase Rate
19.99% p.a.
Cash Advance Rate
0% p.a.
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Interest Free
Up to 55 days
Annual Fee
$149.00
Intro Purchase Rate
3.99% p.a. for up to 6 months
  • Be covered with comprehensive travel insurance. Simply pay for business travel with your Card to be covered at home and abroad. Includes: Cover for damaged, destroyed, lost or stolen personal baggage, money and documents during your trip, Medical emergency expenses, Delayed flight or missed flight connection, Luggage delay for luggage checked on a scheduled flight, Travel disruption due to the unforeseen and unavoidable cancellation of a trip, Relax in the American Express Lounge
  • You’ll also receive two entries to the American Express Lounge at the Sydney or Melbourne International Airport each year. Simply show your Card to enjoy complimentary access, including free Wi-Fi, charging stations and refreshments. Make secure payments to virtually anyone. With AccessLine™, you can make fast, secure payments, even to merchants who don't accept Card payments, while earning points at the same time, Be protected online.
  • Your business won’t be liable for any unauthorised online transactions made with your Card
  • Receive an emergency Card within 48 hours
  • If your Card is ever lost or stolen, you can usually get a replacement within 48 hours, virtually anywhere in the world
  • KEEP TRACK OF CARD EXPENDITURE
  • Download statements and transaction details, view balances and keep track of business expenditure using Quicken™, Microsoft® Excel or MYOB®.
  • Shop Small
  • Save the offer to your eligible Card and get 3 extra Membership Rewards Points per $1 spent, in-store or online at participating Shop Small businesses by 31/03/2022, up to a maximum of 40,000 extra Points22D. Exclusions apply.
  • Earn rewards faster with Employee Cards
  • Add up to 99 Employee Cards at no additional cost8D. Accumulate points with no cap on points earnt and no expiry
  • 12-month complimentary subscription to Centr
  • Put your wellbeing first with a new 12-month complimentary subscription to Centr, valued at $119.99/year. Created by Chris Hemsworth’s team of experts, this program includes a wide variety of workouts, easy meal plans with dietician approved recipes, guided meditations and much more. Offer ends 14 February 2022
  • Spend points on travel, shopping and Card credit
  • Transfer your points to a choice of 8 Airline Partners or use for a wide range of rewards including flights, shopping online with David Jones and Gift Cards – you can even use points to pay the balance on your Card

Key Features
Rewards Program
Rewards
Joining Fee
-
Annual Fee
$149.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Rewards Program
  • Use points to shop at David Jones, Use points to shop at Ticketmaster, Use points on Gift Cards, Use points to travel,

Fee & Repayments

Annual Fee $149.00
Annual Fee First Year $0.00
Rewards Joining Fee -
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2.50% or $30.00
Interest Charged From PurchaseDate
Late Payment Fee $30.00

Rewards Program

Rewards Points per Dollar 2
Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* -
Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card*
SPEND FOR SYD/MEL RETURN* -
Lifetime of Points
Rewards Program Partners Hilton Hotels, Helloworld, Webjet, Air New Zealand, Asia Miles, Emirates Skywards, Etihad Guest, Malaysia Airlines, Singapore KrisFlyer, Thai Royal Orchid Plus, Velocity, Virgin Atlantic Flying Club, Ticketmaster, David Jones
Rewards Bonus Points Partners Hilton Hotels, Helloworld, Webjet, Air New Zealand, Asia Miles, Emirates Skywards, Etihad Guest, Malaysia Airlines, Singapore KrisFlyer, Thai Royal Orchid Plus, Velocity, Virgin Atlantic Flying Club, Ticketmaster, David Jones
Domestic Airlines Virgin Airlines, Velocity
International Airlines Air New Zealand, Asia Miles, Emirates Skywards, Etihad Guest, Malaysia Airlines, Singapore KrisFlyer, Thai Royal Orchid Plus, Virgin Atlantic Flying Club
Conditions

Other Charges

Duplicate Statement Fee -
Overseas ATM Balance Fee $0.00
Transaction Verification Fee -
Overseas ATM Withdrawal Fee $0.00
Over Limit Fee -
Overseas Emergency Card Replacement Fee -
Terms & Conditions

American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 25 January 2021 and is subject to change. This offer is only available to those who reside in Australia. Cards are offered, issued and administered by American Express Australia Limited (ABN 92 108 952 085). ®Registered Trademark of American Express Company.

1D. Interest rate is correct as at 25 January 2021 and is subject to change. This interest rate does not apply for Cash Advances and associated fees.

2D. The Credit Card gives you up to 55 days interest free on purchases, depending upon when you make a purchase, when your statement is issued, whether you have obtained a balance transfer and whether or not you are carrying forward a balance on your Account from your previous statement period. There are no interest free days on Cash Advances or for any purchases when you are carrying forward a balance on your account from the previous statement period.

3D. Subject to the Terms and Conditions of the Membership Rewards program available at membershiprewards.com.au/termsandconditions. Government transactions will earn 1 point per dollar spent with Merchants classified as "government", including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate.

4D. Points for Credit: Points may be redeemed by the Basic Card Member for a credit on the Primary Card Account (the Card which your Membership Rewards points balance appears online). American Express may decline a Points for Credit request where the Card Account or Card Member's other Accounts with American Express are not in good standing or overdue. The redemption of points for credit will be administered solely by American Express within 3 business days and cannot be reversed. Points for Credit is not available for redemption by Corporate Card Accounts and is not redeemable for cash via Credit balance refund. Minimum redemption rates apply.

5D. Once your new Card Account is activated, new purchases made for the next 6 months will have a promotional interest rate of 3.99% p.a, after which these purchases will revert to the standard interest rate of 19.99% p.a. This offer does not apply to cash advances, fees or commissions.

6D. American Express Card Insurances are subject to terms, conditions and exclusions. The complimentary travel insurance cover is also subject to maximum age limits, pre-existing medical conditions and limits and is available when you use your American Express Business Explorer Credit Card to pay for return domestic or international travel , commencing and ending in Australia. American Express Card Insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) ("Chubb") and are subject to the terms, conditions and exclusions contained in the American Express Card insurances policy of insurance between American Express Australia Limited (ABN 92 108 952 085, AFSL No 291313) (“AEAL”) of 12 Shelley Street, Sydney 2000 and Chubb. The Insurance Terms and Conditions do not take into account your objectives, financial situation or needs. Terms and Conditions are subject to change. It is important for you to read the Terms and Conditions booklet available upon request from us and consider the appropriateness of that insurance in relation to your individual requirements.

7D. Offer only available to new American Express Card Members who apply by 12 January 2022, are approved and spend $3,000 on their new Card in the first three (3) months from the Card approval date. Card Members who currently hold or who have previously held any other Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. 100,000 Membership Rewards Bonus Points will be awarded to the eligible Card Member’s Account 8-10 weeks after the spend criteria has been met. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. Subject to the Terms and Conditions of the Membership Rewards program available at https://www.americanexpress.com/en-au/rewards/membership-rewards/terms. The American Express Business Explorer Card has a standard annual fee of $149.

8D. Employee Cards: American Express approval criteria apply. Subject to Terms and Conditions. Fees and charges apply. This offer is only available to those who reside in Australia. Employee Card Members must be over 18 years of age. The Business, the Basic Card Member and each Employee Card Member are jointly and severally liable for all Employee Card spending. Terms and Conditions apply.

9D. As long as your account remains current and in good standing.

10D. Subject to the Terms and Conditions of the Membership Rewards program available at membershiprewards.com.au. You must be a member of the Airline Partner Program, joining fees may apply and points transferred will be subject to the Terms and Conditions of the applicable Airline Partner Program.

11D. American Express Travel Online: You can redeem points for prepaid travel of a nominated value through American Express Travel Online with the point-of-purchase redemption capability. Travel bookings using points may be made for any person, provided all your Accounts are kept in good standing and are not overdue. Points cannot be used for Cruise Privileges bookings. All travel bookings are subject to availability. Subject to the American Express Travel Online standard booking Terms and Conditions.

12D. Subject to the Terms and Conditions of the Membership Rewards program available here and the David Jones Partner Terms and Conditions available at davidjones.com.au Only American Express Cards issued by American Express Australia Limited are eligible provided they are enrolled in the Membership Rewards program. A minimum of 3,000 points must be redeemed at any one time. If redeeming with Points + Pay, the 'pay' component of your purchase will be automatically billed to your American Express Card Account and will appear on the first billing statement following redemption. You'll earn Membership Rewards points on the 'pay' component of your purchase only.

13D. Gift Cards: Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of 12 months from the date of issue, unless otherwise stated. Normal retailer Gift Card Terms and Conditions apply. Gift Cards and Vouchers will be dispatched within 5 business days. Orders over $600 will be dispatched via Registered Post. Should you not receive your Gift Card or reward within the stated timeframe, you must advise American Express within 28 days from date of redemption. Terms and Conditions apply to all Membership Rewards redemption options and redemption is subject to availability. Subject to your Account being kept in good standing and not overdue. Minimum redemption amounts apply.

14D. Entry into The American Express Lounge is governed by the full Terms and Conditions available at amex.com.au/airportlounge. All entrants must adhere to the General Conditions of Entry. American Express Business Explorer® Card Members are entitled to a total of two (2) entries into the American Express Lounges in Australia per calendar year (1 January to 31 December). Complimentary access is available for the Card Member's children between the ages of 2-17. Card Members wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member's American Express Card.

15D. Emergency Card Replacement: If your Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1800 175 568. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you are not liable for any unauthorised charges.

16D. Fraud Protection Guarantee: Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Member Agreement, you will not be held liable for any unauthorised charges.

17D. The information has been prepared without taking into account your objectives, financial situation or needs. You should read the PDS and consider the appropriateness of International Payments in relation to your individual requirements. Terms, conditions, fees and charges apply. For further information, please refer to the relevant PDS: Telegraphic Transfers. AccessLine is not available to individual consumers. To enrol in this service, your business will be required to complete an application, which is subject to review and approval by American Express. For a copy of the application, including terms and conditions, call 1300 855 749. Users need to have an American Express Corporate Card or American Express Business Card, an FX International Payments account and be registered to use AccessLine. International Payments are arranged through American Express International Inc. (ABN 15 000 618 208 AFSL no. 237996). Incorporated with Limited Liability in Delaware, USA.

18D. MYOB Integration: MYOB bank feed is available to American Express Cards issued by American Express Australia Limited with the exception of David Jones American Express Cards and American Express Corporate Cards. The Card must be active at the time of enrolment.

19D. Mobile Wallets: Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the US and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Samsung Pay is available on select Samsung devices. Google Pay and the Google Logo are trademarks of Google LLC.

20D. The Canstar 5-Star Rating was awarded on 25/08/20 for the Business Explorer Business Credit Card for Outstanding Value Frequent Flyer and Rewards Business Credit Card.www.canstar.com.au

21D. Centr: By Chris Hemsworth – Membership benefit for Amex Card Members Offer Terms and Conditions

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

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