American Express
American Express

The American Express Explorer® Credit Card

Purchase Rate
20.74% p.a.
Cash Advance Rate
0% p.a.
Compare Now
Interest Free
Up to 55 days
Annual Fee
$395.00
  • Receive 150,000 Bonus Membership Rewards® Points When you apply online by 26 October 2021, are approved and spend $3,000 on your new Card within the first 3 months. T&Cs apply. New Card Members only.
  • Start exploring with a $400 Travel Credit every year that can be used on eligible flights, hotels, car hire or unique experiences when booked through American Express Travel
  • Earn up to 2 Membership Rewards points for every $1 spent on eligible purchases.
  • Enjoy two complimentary entries per year to the American Express Lounge, located at Sydney International Airport or Melbourne International Airport.
  • 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.

Key Features
Rewards Program
Rewards
Joining Fee
$0.00
Annual Fee
$395.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Rewards Program
  • Earn 2 Membership Rewards points per $1 spent on all purchases except government bodies in Australia where you will earn 0.5 points per $1 spent.

Fee & Repayments

Annual Fee $395.00
Annual Fee First Year $395.00
Rewards Joining Fee $0.00
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2.5% or $30.00
Interest Charged From StatementDate
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
Rewards Bonus Points Partners
Domestic Airlines
International Airlines
Conditions Subject to the Terms and Conditions of the Membership Rewards Gateway program available at membershiprewards.com.au. You must be a member of the airline partner program, joining fees may apply.

Other Charges

Duplicate Statement Fee $10.00
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $7.00
Overseas ATM Withdrawal Fee $0.00
Over Limit Fee $0.00
Overseas Emergency Card Replacement Fee -
Terms & Conditions
Cards are offered, issued, and administered by American Express Australia Limited ABN 92 108 952 085, Australian Credit Licence No. 291313. American Express income and credit approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 25 January 2021 and are subject to change. Applicants must be 18 years of age or over, and earn a minimum income of $65,000 per annum to apply for the American Express Explorer Credit Card. They must be an Australian Citizen or permanent resident or hold a long term visa. Long term means 12 months or more and does not include a student visa. Bonus & Eligibility. 150,000 Bonus Membership Rewards ® Points are only available to new American Express® Card Members who apply online by 26 October 2021, are approved and spend $3,000 or more on eligible purchases on your new Card in the first 3 months from the Card approval date. Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the proceeding 18 month period are ineligible for this offer. Eligible purchases do not include annual Card fees, cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. Please allow 8-10 weeks for the bonus points to be credited to your Account after the spend criteria has been met. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. Interest Rate. This interest rate does not apply for Cash Advances and associated fees. Interest Free Period. You will have up to 55 days interest free on purchases provided you pay the full closing balance of your monthly statement by the due date each month. There is no interest free period on balance transfers or if you carry forward a balance from the previous statement period. The total of interest free days will depend on when you make the purchase and when your statement is issued. Membership Rewards Program. Subject to the Terms and Conditions of the Membership Rewards program available here. You 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, including where you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. Travel Credit. American Express Explorer® Credit Card Members are eligible for one Travel Credit of $400 per year. Subject to Travel Credit terms and conditions, to redeem the Travel Credit, you must have paid the annual fee and minimum payment by the due date. The Travel Credit can be redeemed for any eligible travel booked and paid online through American Express Travel in a single booking. For bookings less than $400 any unused portion of the Travel Credit will be forfeited. Eligible travel includes Flight, Hotel, Car Hire and Experience bookings only and may not be used towards Cruises. The Travel Credit can be used for 365 days from the anniversary date and cannot be carried forward to any subsequent year. Your Travel Credit for that year will be forfeited if you cancel your booking, subject to supplier’s terms and conditions plus applicable fees. Insurance. The American Express Explorer Credit Card insurance is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits) – see the full terms and conditions available here. You must use your American Express Explorer Credit Card to pay for your return trip, commencing and ending in Australia, in order to be eligible for the travel insurance. For Smartphone Screen Insurance, you must use your American Express Explorer Credit Card to pay for your phone outright or your monthly phone bill. Maximum of 2 claims per 12 month period, per Account, maximum cover of $500 per claim and an excess of 10% of the claimed amount applies. Waiting periods may apply. Find out more or make a claim here. The insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Card members are not a party to the group policy, but may be able to claim under it as third party beneficiaries. This webpage does not take into account your objectives or financial situation. You should read the full terms and conditions to decide if this insurance meets your needs. American Express Lounge. 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 Explorer® Credit 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. Additional Cards. Additional Card Members must be 16 years of age or over. Please note Additional Cards are referred to as Supplementary Cards in some Terms and Conditions and marketing materials. The basic Card Member will be liable to pay for all spend made by Additional Card Members. Partner Programs. Subject to the Terms and Conditions of the Membership Rewards Gateway 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. Webjet. A minimum of 7,500 points must be redeemed at any one time. Travel bookings using points may be booked for any person, provided all your accounts are kept in good standing and are not overdue. Webjet is not available to Card Members enrolled in the Membership Rewards Gateway program. Subject to the Membership Rewards Terms and Conditions and the partners' booking terms and conditions. American Express Travel. To earn or redeem Membership Rewards points, Cards must be registered to the American Express Membership Rewards program, and be active and current in their payments. When paying with a combination of your American Express Card and Membership Rewards points, only the value applied to the Card is eligible to earn Membership Rewards points. Membership Rewards Terms and Conditions apply when booking on the American Express Travel website. Please visit the Membership Rewards website to view the full Terms and Conditions(membershiprewards.com.au/termsandconditions) Gift Cards. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for details Select + Pay With Points. Subject to the Terms and Conditions of the Membership Rewards Gateway program available at membershiprewards.com.au. Minimum of 1,000 points required. Any credit to your Card Account cannot exceed the current outstanding balance on your Account. Points will be debited immediately and credit will take up to three business days to appear on your online statement. Ticketmaster. A minimum of 2,000 points must be redeemed at any one time. Tickets must be purchased using your eligible American Express Card and will be charged to that day's purchase. American Express will debit the Membership Rewards points from your Membership Rewards account and issue a credit for the corresponding dollar amount charged for your ticket purchase on your Card account. Subject to the venue's and Ticketmaster's no refund/no exchange policy and the Membership Rewards Terms and Conditions. Fraud Protection Guarantee. Provided that you do not contribute to or unreasonably delay reporting any misuse of your Account and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges. 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 1300 363 687. 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 will not be liable for any unauthorised charges. Plan It: You can create an Instalment Plan as long as your account is in good standing. We may limit the amount that can be transferred to an Instalment Plan. Each Instalment Plan will begin from the date it is successfully created, as communicated to you in your Online Account. Payment of your first Monthly Instalment will be due in your next payment cycle. You will be charged a Monthly Plan Fee for each Instalment Plan created. This fee will be charged each month your Instalment Plan is active and will be notified to you before you create the Instalment Plan. View the full Plan It Instalments Terms and Conditions here. The Hotel Collection. Valid only for new The Hotel Collection bookings of at least two consecutive nights with participating providers made through American Express Travel Online (americanexpress.com.au/travel or americanexpress.com.au/thc), Platinum Travel Service or Centurion Travel Service. Online bookings currently only available to Primary Card Members. The following American Express Card Members are eligible to book through The Hotel Collection: American Express® Rewards Advantage Card, American Express® Explorer Credit Card, American Express® Platinum Reserve Credit Card, American Express® Gold Card, American Express® Gold Business Card, American Express® Platinum Card, American Express® Business Platinum Card® and American Express® Centurion Card. Payment must be made in full with an eligible American Express Card in the Card Member’s name. Card Member must travel on itinerary booked to be eligible for benefits described. Membership Rewards® points and Platinum Travel Credit cannot be used towards The Hotel Collection bookings as payment. The eligible Card Member will receive the credit as a deduction from the final hotel bill when checking out of the hotel; they will receive $1 for each eligible dollar spent up to $100 USD. Eligible spend includes dining, spa and resort activities. Eligible spend does not include charges for taxes, gratuities, fees and cost of room. Additional exclusions based on specific hotel restrictions may also apply (including without limitation purchases within the hotel that are unaffiliated and/or owned by third parties) - see hotel front desk for details. Credit must be used in conjunction with initial stay and cannot be carried over to another stay, is not redeemable for cash and expires at check-out. Credit is non-exchangeable and non-refundable and is applied in USD or equivalent in local currency based on exchange rate on day of arrival. Limit one credit per room, per stay. Three-room limit per Card Member per stay; back-to-back stays within a 24-hour period at the same property considered one stay. If an eligible Card Member cancels their room, any additional rooms will no longer qualify for benefits as the eligible Card Member must be staying at the hotel. Participating providers and benefits subject to change. Taxes, surcharges and additional fees are as supplied by the hotel at the time of reservation; however they are subject to change and will be charged as applicable at the time of settlement of your hotel account. Note that payments made in foreign currencies will be subject to a foreign currency conversion and fee at the time of payment upon departure. You may be able to use Membership Rewards® points and/or the Travel Credit on the American Express Travel website as payment towards The Hotel Collection, if the selected hotel and room type provides you the option to prepay in advance. A one category room upgrade is based on availability and eligibility at check-in to the hotel. Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated; actual appearance may vary. Samsung Pay is available on select Samsung devices. Google Pay and the Google Logo are trademarks of Google LLC.

* 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.