American Express Explorer Credit Card

With 100,000 bonus points, a $400 Travel Credit and two complimentary airline lounge passes, the Explorer is packed with perks.

Finder has partnered with American Express to bring you this Explorer credit card offer during Vivid Sydney. Get 100,000 bonus Membership Rewards points when you apply online by 18 June 2019 and spend $1,500 on eligible purchases within the first three months of card approval.

As a premium rewards card with an annual fee of $395, the Explorer is suited to people who want to reward their spending and will make use of the wide range of travel perks.

You’ll collect 2 Membership Rewards Gateway points per $1 spent on most purchases, travel in style with airport lounge passes and enjoy Hotel Collections perks.

Product NameAmerican Express Explorer Credit Card
Rewards ProgramMembership Rewards Gateway
Balance transfer rate0% p.a. for 12 months with 1% balance transfer fee
Balance transfer revert rate
The interest rate that will apply to any remaining balance after the balance transfer term ends.
Purchase Rate (20.74% p.a.)
Balance Transfer Limit70% of available credit limit
Maximum Balance Transfer Amount$10,000
Purchase rate (p.a.) 20.74% p.a.
Offer end date18 June 2019
Annual fee$395 p.a.
Interest Free Period
The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date.
Up to 55 days on purchases
Min credit limit
This is the lowest credit limit you can be granted. It is possible to request a higher credit limit but not a lower one than this figure.
$3,000
Card TypeAmerican Express
Foreign Currency Conversion Fee (AMEX)
Charged when you make a transaction that is converted by American Express from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Complimentary Travel InsuranceYes
Minimum Income$65,000
Minimum Age18 years of age
Available To Temporary ResidentsYes - Conditions apply
Joint ApplicationNo
Annual fee$395 p.a.
Minimum Monthly Repayment2.5% or $30, whichever is greater
Late Payment Fee$30
Foreign Currency Conversion Fee (AMEX)
Charged when you make a transaction that is converted by American Express from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Additional Cardholder Fee$0
Number of Additional Cardholders4

Pros

  • Earn 100,000 Membership Rewards Bonus Points when you spend $1,500 on your card within the first 3 months from card approval.
  • Receive a $400 Travel Credit every year.
  • Travel in style with 2 complimentary airport lounge passes per year.

Cons

  • The standard purchase rate of 20.74% p.a. is relatively high.
  • The annual fee of $395 p.a. is high if you cannot make full use of the travel benefits.
Rewards ProgramMembership Rewards Gateway
Bonus Points100,000 bonus points
Rewards Points per $ spent (AMEX)2
Rewards Points per $ (AMEX) CapUncapped

Benefits of the American Express Explorer Credit Card

  • Bonus points. When you apply online by 18 June 2019, are approved and spend an eligible $1,500 within the first 3 months of card membership, you will earn a bonus 100,000 Membership Rewards points. This offer is only available to new card members and through a select few American Express partners, including Finder. Your bonus points will be awarded to your account within 8 to 10 weeks of meeting the spend criteria. To give you an idea, you could exchange your 100,000 Membership Rewards points for 50,000 Velocity Points.
  • $400 Travel Credit. Each year you have the card, you'll get $400 Travel Credit you can use on a single booking made with American Express Travel. This Travel Credit is available once you have paid the $395 annual fee for that year and have met the minimum repayment requirements on your last statement.
  • Complimentary airport lounge passes. This card offers two complimentary passes to American Express Lounge at Sydney International (Kingsford Smith) Airport (T1) or Melbourne International Airport (T2) each year. To use the passes, just present your card at the reception desk, then relax before your flight with free wi-fi, food and drink, barista-made coffee and comfortable seats.
  • Complimentary travel insurances. Pay for your return overseas travel with this card and you can save on insurance costs with complimentary Medical Emergency Expenses Cover, Travel Cancellation Cover, Baggage, Money and Documentation Cover and Travel Inconvenience Insurance Cover. Cover is also effective when you pay for the full return fare using Membership Rewards points or the $400 Travel Credit.
  • Hotels Collection. You are entitled to a hotel credit of up to USD$100 and a complimentary room upgrade, where available, when you book at least 2 consecutive nights at selected hotels using your American Express Explorer credit card.
  • Smartphone screen insurance. You'll receive up to $500 for screen repairs if you accidentally break your smartphone screen. A 10% excess applies per claim with a maximum of 2 claims every 12 months.
  • Mobile contactless payments. Whether you have an Android, Apple or Samsung device, you can tap and pay with the convenience of your smartphone when you link your account to Google Pay, Apple Pay or Samsung Pay.
  • Purchase protection insurance. You can shop with peace of mind with purchase protection, refund protection, an online fraud protection guarantee and a buyers advantage policy that can extend the manufacturer's warranty by up to 12 months on eligible items purchased with this card.

Rates, fees and other features

  • Annual fee. The American Express Explorer's annual fee of $395 p.a. is completely offset by the $400 Travel Credit when you redeem it.
  • Interest rate. Purchases attract an interest rate of 20.74% p.a.
  • Interest-free days. If you pay your balance in full by the statement due date, you'll get up to 55 interest-free days on purchases during each statement period which can help you reduce your interest costs.
  • Foreign transaction fee. If you use this card to make a foreign transaction overseas or when shopping online, you'll be charged 3% of the transaction value.
  • Additional cardholder. You can earn points faster when you request up to 4 additional additional cards for $0. Please note that the additional card member must be at least 18 years of age and you'll be liable for all spending and charges added to the account.
  • Balance transfer offer. If you have debt on another credit card, you can consolidate it on this card and get a promotional balance transfer rate of 0% p.a. for 12 months. A one-time 1% balance transfer fee applies. You can transfer up to 70% of your approved credit limit to a maximum of $10,000.

How to apply for the American Express Explorer Credit Card

You can apply for the American Express Explorer credit card online in 10 minutes and receive a response within 60 seconds. Check if you meet the eligibility criteria and that you have the necessary information to complete the application before you get started:

Eligibility requirements

  • Minimum income. You must have a personal gross (pre-tax) annual income of $65,000 or more.
  • Credit history. You must have a good credit score, with no history of bad debt or payment default.
  • Residency. You must be an Australian citizen, permanent resident or hold a current Business Long Stay Visa (subclass 457).
  • Age. You must be at least 18 years of age.

Required documents

  • Personal details. You'll need to provide personal details such as your full name, date of birth, contact information and address.
  • Identification. You might need to provide proof of identity such as your driver's licence or birth certificate.
  • Income. You'll be asked to confirm your annual income and provide proof with recent payslips and bank statements.
  • Employment. This includes your current place of employment and your employer's contact information.
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101 Responses

  1. Default Gravatar
    anneFebruary 20, 2019

    How does the balance transfer int rate work when you have other transactions on it. If we wanted to pay the current transaction off and leave the balance transfer to only pay what it works out to be each month to have it paid within the twelve months. Is this possible

    • Avatarfinder Customer Care
      NikkiFebruary 21, 2019Staff

      Hi Anne,

      Thanks for getting in touch! Balance Transfer interest rate (20.74% p.a.) will only be applied to the balance transfer amount and not on purchases made to the account. The purchase rate (20.74% p.a.) will be applied to purchases made on the card if not paid on time. Ideally, you are required to pay the full amount required of your balance transfer for 12 months and at least the minimum monthly payment for purchases/transactions made on the card. Ultimately, check the terms and conditions of the card to obtain more information.

      Hope this helps!

      Best,
      Nikki

  2. Default Gravatar
    ronNovember 9, 2018

    what is the best way to acquire 50,000 points whit out buying them .

    • Avatarfinder Customer Care
      NikkiNovember 9, 2018Staff

      Hi Ron,

      Thanks for reaching out! As it says on our page to earn 50,000 bonus points, you need to apply online and spend $3,000 on eligible purchases within the first three months and the best way to acquire those bonus points. Hope this clarifies.

      Best,
      Nikki

  3. Default Gravatar
    BruceOctober 28, 2018

    Can you please tell me how the $400 travel credit is redeemed each year and does it accrue if it is not used?

    • Avatarfinder Customer Care
      JeniOctober 28, 2018Staff

      Hi Bruce,

      Thank you for getting in touch with finder.

      As per this card’s T&C, to redeem this card’s $400 travel credit, the card member must have paid the annual fee and have paid the minimum payment on the card member’s first and most recent American Express Explorer credit card statement by the due date. The minimum amount is calculated as set out in the Financial Table – you may verify the amount by contacting Amex directly. The Travel Credit can be used for 365 days from the card member’s anniversary date and cannot be carried forward to any subsequent year.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  4. Default Gravatar
    DanielSeptember 27, 2018

    How will it take to get the bonus points upon spending that 3k?

    • Avatarfinder Customer Care
      JohnSeptember 27, 2018Staff

      Hi Daniel,

      Thank you for leaving a question.

      Generally, when the $3000 eligible purchase is completed and validated by American Express. You will be able to see the points earned by the next credit statement that you receive. If you have further questions on this you may call 1800 059 388. Hope this helps!

      Cheers,
      Reggie

  5. Default Gravatar
    AdamApril 5, 2018

    Hi,
    If I’am a supplementary holder of an American Express Explorer card, will I be eligible for the 100 thousand points bonus if I apply for this card as a sole applicant?

    • Avatarfinder Customer Care
      NikkiApril 5, 2018Staff

      Hi Adam!

      It is understandable that you’d want to apply for an American Express Explorer Credit Card. The good news is, as you are a supplementary cardholder, you are eligible to apply and able to enjoy the bonus points of the American Express Explorer Credit Card. Kindly not that the 100,000 points is no longer valid as of this time.

      Upon approval of the card and when you spend $3,000 worth of purchases within the first three months of card membership, you will earn a bonus 50,000 Membership Rewards points. These points can be transferred to eight airline partner programs, including Velocity. If you prefer to transfer your points, these 50,000 Membership Rewards points are worth 37,500 Velocity Points. This offer is available to new card members, as well as bank-issued American Express companion cardholders.

      Hope this helps! Feel free to message us anytime should you have further questions.

      Cheers,
      Nikki

  6. Default Gravatar
    NormaDecember 11, 2017

    I have just received a 457 visa and arrived in Australia. Can I apply for this card straight away? I meet the other criteria on income etc.
    Many thanks

    • Avatarfinder Customer Care
      MayDecember 12, 2017Staff

      Hi Norma,

      Thank you for your inquiry.

      Yes, the American Express Explorer Credit Card is available to people who hold Business Long Stay Visa (subclass 457). If you think you are able to meet all the eligibility requirements and if the card’s features meet your needs/preferences, then you can go ahead and apply. If still unsure and would need confirmation about your approval, you can also contact AMEX first to discuss your eligibility. This way you can also avoid enquiry on your credit file.

      Cheers,
      May

  7. Default Gravatar
    PeterSeptember 3, 2017

    I have a Qantas Gold Card, if I swap from the Gold to the Explorer, do I still qualify for the points, or must i close my gold card first?

    • Avatarfinder Customer Care
      RenchSeptember 5, 2017Staff

      Hi Peter,

      Thanks for reaching out to us. Please note that we are not affiliated with American Express or any company we feature on our site and so we can only offer you general advice.

      I’m afraid you would not be eligible for the 100,000 bonus points. This offer is only available to new card members, as well as bank-issued American Express companion cardholders.

      To be seen as a new card member, you must not have held a credit card issued by Amex in the preceding 18 months. The Qantas Gold Card is issued by Amex, you would not be eligible for the bonus points.

      Hope this information helped.

      Best regards,

      Rench

  8. Default Gravatar
    RobAugust 1, 2017

    Hi, Will I have to pay the annual fee upfront?

    • Default Gravatar
      LiezlAugust 1, 2017

      Hi Rob,

      Thanks for your question. Usually, annual fees will be charged on your first bill. Just to make sure of this, I suggest you call AMEX directly.

      Cheers,
      Liezl

  9. Default Gravatar
    AlanAugust 1, 2017

    I have an ANZ Frequent Flyer Black Amex for Qantas points which is expiring at ANZ by Aug.5. If I applied for Amex Explorer card would I still be entitled for the 100,000 Bonus points? The answer to this would be the major factor in my final decision.
    Thank you.

    • Avatarfinder Customer Care
      RenchAugust 1, 2017Staff

      Hi Alan,

      Thanks for your inquiry. Please note that we are not affiliated with American Express or any company we feature on our site and so we can only offer you general advice.

      Yes, you can receive 100,000 Membership Rewards Bonus Points when you apply online by 2 October 2017, are approved and spend $1,500 on your new Card within the first 3 months. This offer is available to new Card Members, as well as Bank-issued American Express companion cardholders.

      You may confirm this info directly from American Express.

      Cheers,
      Rench

  10. Default Gravatar
    SamJuly 25, 2017

    Hi, What are the international fees on this card if I wanted to use it in the U.S for a holiday?

    • Default Gravatar
      JonathanJuly 25, 2017

      Hello Sam,

      Foreign Currency Conversion Fee of 3% of transaction value and foreign ATM withdrawal fee applies, if you will be making a cash advance transaction outside.

      Please take note that the fees should be disclosed to you by the machine or the merchant where you’re using the card prior the transaction. So please confirm this to have an informed decision.

      Hope this helps.

      Cheers,
      Jonathan

Credit Cards Comparison

Rates last updated May 24th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
ME frank Credit Card
11.99% p.a.
$0 p.a.
Save money with an ongoing $0 annual fee, the same low 11.99% p.a. interest rate on purchases and cash advances, and up to 55 days interest free.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
Earn 20,000 bonus Velocity Points and save with an ongoing $50 p.a. annual fee. Plus, receive a $129 Virgin Australia Gift Voucher each year.
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.

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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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