American Express Explorer Credit Card

American Express Explorer Credit Card

Balance transfer

N/A

Purchase rate

23.99% p.a. ongoing

Annual fee

$395.00 p.a. ongoing

Highlights

  • Obtain 50,000 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.
  • Enjoy a $400 Travel Credit annually for flights, hotels, and car rentals when booked online using this card.
  • Benefit from complimentary domestic and international travel insurance coverage.

Pros and cons

Pros

  • The 50,000 bonus Membership Rewards Points when approved and reach spend requirement within the first 3 months.
  • Receive a $400 travel credit every year.
  • Earn 2 Membership Rewards points per $1 spent on purchases except for government bodies in Australia where you will earn 1 point per $1 spent (uncapped).
  • Get two complimentary entries per year to The Centurion® Lounge.

Cons

  • The $395 p.a. annual fee.

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

Our review

Convenience

Customer service

Rates and fees

Rewards

Trust

account

Reviewed by Credit Card Compare Staff

History

    User reviews

    Convenience

    Customer service

    Rates and fees

    Rewards

    Trust

    No annual fee, bonus points, Apple Pay

    Reviewed by Mario

    Great rewards for air miles

    Reviewed by Lucy

    High annual fee, not enough rewards information

    Reviewed by Edwina

    Friendly staff and great rewards

    Reviewed by Priyanka

    Great benefits, but be aware of some pitfalls

    Reviewed by James

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