American Express
American Express

American Express® Business Explorer Credit Card

Purchase Rate
19.99% p.a.
Cash Advance Rate
0% p.a.
Go to site
Interest Free
Up to 55 days
Annual Fee
$149.00
Intro Purchase Rate
3.99% p.a. for up to 6 months
  • Receive 120,000 Membership Rewards Bonus Points when you apply by 2 June 2022 and spend a minimum of $3,000 in the first 3 months on your new Card. Pay no annual Card fee for the first year - a saving of $149. Offer valid for new American Express Card Members only.
  • No fee for up to 99 Employee Cards2D
  • Up to 55 days interest-free3D
  • Earn up to 2 points per $1 spent - With unlimited points to be earned and no expiry, use your points to help offset business expenses.5D
  • Introductory low rate of 3.99%6D

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

Rewards Program

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
120,000 Membership Rewards Bonus Points: Offer only available to new American Express Card Members who apply by 2 June 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. 120,000 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.

No Annual Card Fee for First Year: New American Express Business Explorer Card Members will receive a one-time credit of $149 during their first year of Card Membership. The Annual Fee will be charged on your first Card statement after the end of your First Year and annually thereafter. The Annual Fee is currently $149 (as at 3 May 2022) but is subject to change.) . Offer only available to those that apply by 2 June 2022 and are approved. 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. Credit will be provided within 8-10 weeks of Card approval.

2D. 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.

3D. 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.

5D. Subject to the Terms and Conditions of the Membership Rewards program available at americanexpress.com/en-au/rewards/membership-rewards/terms. 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.

6D. 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.

7D. 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.

* 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).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.