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- Explorer Credit Card
American Express Explorer Credit Card
- Bonus Points
- Apple, Google & Samsung Pay
Receive 100,000 Bonus Membership Points
when you apply, are approved, and spend $4,000 on eligible purchases your new Card within the first 3 months. T&Cs apply. New Card Members only. Offer subject to change without notice.
Purchase rate p.a.
23.99%
Balance transfer rate
Not Applicable
Annual fee
$395
American Express Explorer Credit Card
- Bonus Points
- Apple, Google & Samsung Pay
Purchase rate p.a.
23.99%
Balance transfer rate
Not Applicable
Annual fee
$395
Pros and Cons
For American Express Explorer Credit Card
Benefits
- Rewards Available through Amex Membership Rewards Gateway
- Extra 100,000 points subject to eligibility conditions
- Ability to convert large purchases into instalment plans
- Apple Pay, Google Pay and Samsung Pay available
- Domestic travel insurance
- International travel insurance
- Free supplementary cards
- Extended warranty
- Airport lounge
- Purchase protection insurance
Drawbacks
- Higher than average ongoing variable purchase rate
- Higher than average ongoing annual fee
- No balance transfer
American Express Rate Credit Card overview
For Explorer Credit Card
Details
Card level
Premium
Card type
AMEX
Interest free days
55
Minimum monthly repayment
2.5% or $30
Minimum credit limit
$3,000
Maximum credit limit
$50,000
Free supplementary cards
Instant approval
Target Market Determination
Visit American Express Australia Limited to view Target Market Determination.
Fees
Annual fee
$395
Annual Fee Spend Waiver
Supplementary card annual fee
$0
Late payment fee
$30
Over limit fee
$15
Duplicate statement fee
$10
Electronic Wallet Service
Apple pay available
Google pay available
Samsung pay available
Important Rates
Rates
Purchase rate p.a.
23.99%
Cash advance rate
Cash advance fee
Balance Transfer
Balance transfer rate
Not Applicable
Transfer limit
Balance transfer fee
Overseas spending
Foreign exchange fee
Overseas charges
Estimated ATM cost
Rewards
Program name
Amex Membership Rewards Gateway
Rewards available
Gift Card
Eligibility
Minimum age
18
Minimum income
$65,000
Eligibility conditions
Residency
Perks
Available when you use your card to pay for return domestic travel
Available when you use your card to pay for return international travel
Supplementary cardholder must be over 18 years of age
Warranty is extended for the same duration as the original warranty up to 1 year.
Up to two entries per year into the American Express Lounge at Sydney or Melbourne International Airport
Covers up to $20,000 per year
Other Restrictions
Balance transfers are not currently available on new American Express Credit Card applications. Card Members who currently hold or who have previously held any Card product issued by American Express in the preceding 18 month period are ineligible for the 75,000 Bonus Points Offer. Previous and existing bank-issued American Express companion cardholders are eligible for this offer. Cash Advance not available.
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Product data updated on 26 Apr 2024