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American Express Explorer Credit Card
Highlights
- Get 110,000 Bonus Membership Rewards Points upon application approval and spending $4,000 on your new Card within the initial 3 months. T&Cs apply. Exclusive to New Amex Card Members.
- Get a $400 Travel Credit each year to use on flights, hotels, and car rentals when booking online.
- Includes complimentary domestic and international travel insurance coverage.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
American Express
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes
Eligibility
Joint Application Accepted
N/A
Minimum Age
18 years
Minimum Credit Rating
Fair, Good, Very Good, Excellent
Minimum Income
$65,000.00
Temporary Residents Accepted
Yes
Additional cardholders
Additional Cardholders
4
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
$3,000.00
Maximum Credit Limit
N/A
Repayments
Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2.5%
Balance transfers
Balance transfer offer
Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A
Balance transfer conditions
Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
70%
Balance Transfer Revert Rate
N/A
Rates, fees, charges
Cash advances
Cash Advance Rate
N/A
Cash Advance Fee
$2.50
Cash Advance Fee Percentage
2%
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
23.99% p.a.
Account fees
Annual Fee Initial Year
N/A
Annual Fee Ongoing
$395.00
Dishonour Fee
$6.00
Duplicate Statement Fee
$10.00
Foreign Exchange Fee Percentage
N/A
Late Payment Fee
$30.00
Rewards
Rewards program basics
Rewards Program
Membership Rewards
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
2.00
Government Rewards Points Earn Rate
1
Overseas Rewards Points Earn Rate
2.00
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
N/A
Cardholder's Extended Warranty Insurance
N/A
Cardholder's International Travel Insurance
Yes
Cardholder's Interstate Flight Inconvenience
Yes
Cardholder's Personal Item Theft Cover
Yes
Cardholder's Price Protection Insurance
N/A
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
Yes
Cardholder's Transport Accident Insurance
N/A
Travel and lifestyle
Airport Lounge Access Included
Yes
Concierge Service Included
N/A
Complimentary Flight Voucher Included
Yes
Complimentary QFF Membership Included
N/A
History
User reviews
Convenience
Customer service
Rates and fees
Rewards
Trust
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