American Express
American Express

The American Express Explorer® Credit Card

Purchase Rate
20.74% p.a.
Cash Advance Rate
0% p.a.
Interest Free
Up to 55 days
Annual Fee
$395.00
  • Receive 100,000 Bonus Membership Rewards Points when you apply, are approved and spend $4,000 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 1 December 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. Offer only available to new American Express Card Members who apply online, are approved, and spend $4,000 on their new Card within 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 preceding 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. 100,000 Bonus Membership Rewards 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. 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. 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.