The American Express Explorer^® Credit Card

Get set to explore new horizons

Card Type

Credit Card

Annual Fee

$395 p.a.

Interest Rate

20.74% p.a. on purchases²

Interest Free Period

Up to 55 days³

Receive 90,000 Bonus Membership Rewards^® Points and get $300 back when you apply online by 3 May 2021, are approved and spend $3,000 on your new Card within the first 3 months. T&Cs apply. New Card Members only.

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*Terms & Conditions

Explore the benefits

Earn 2 points per $1 spent on purchases

Except on government bodies where you'll earn 1 point per $1 spent⁴

$400 to spend on travel each year

Receive $400 to spend on eligible domestic and international flights, hotels, car hire or unique experiences with American Express Travel⁵

Complimentary domestic and international Travel Insurance

For you, your partner and your dependent children under the age of 22 when you purchase a return trip on your Card⁶

Airport Lounge access

Enjoy two complimentary entries per year to the American Express Lounge at Sydney International Airport or Melbourne International Airport⁷

Earn points everyday

Earn 2 Membership Rewards points per $1 spent on purchases excluding government bodies in Australia⁴
Earn 1 Membership Rewards point per $1 spent at government bodies in Australia⁴
Earn points faster by adding an Additional Card for up to 4 family members or friends, at no extra fee⁸
Enjoy no limit on the amount of Membership Rewards points you can earn, no matter how much you spend each month

Choose your rewards

Redeem points with your choice of 9 Airline Partner Program⁹ including Virgin Australia and Singapore Airlines or with our Hotel Partner, Hilton Honours
Book travel online with Webjet¹⁰ or American Express Travel¹¹ and pay with points
Use points for gift cards¹² from leading retailers, or to pay for charges on your Account¹³
Turn your points into unforgettable experiences at Ticketmaster¹⁴

Protection when you need it most

Smartphone Screen Insurance⁶, covering up to $500 for repairs if you break your screen when you pay for your phone outright or monthly bill with your American Express Explorer Credit Card
Buyer’s Advantage⁶, extending the manufacturers' warranty by up to 12 months on eligible items purchased with your Card
Purchase Protection⁶, covering you for the replacement of eligible items purchased on your Card
Refund Protection⁶, cover for eligible items purchased on your Card should a store refuse a return
Fraud Protection Guarantee¹⁵ , keeping you protected from unauthorised charges made on your Account
Emergency Card replacement¹⁶, for lost or stolen Cards virtually anywhere in the world.
Plan It™ Instalments¹⁷ is a new feature of your Card that offers you a flexible way to pay off your Credit Card balance in equal monthly instalments, with 0% p.a. interest and a fixed monthly fee.
Use your Card securely around the world and check-out with Apple Pay, Samsung Pay and Google Pay

$400 annual Travel Credit

Enjoy $400 to spend on travel each year with American Express Travel. Redeem your Travel Credit for domestic or international flights, hotels, car hire, experiences and more⁵

Airport Lounge Access

Relax before your flight with two complimentary entries per calendar year to the American Express Lounge at Sydney or Melbourne International Airports⁷

The Hotel Collection

Receive up to US$100 hotel credit and room upgrade (when available) at select hotels in The Hotel Collection when you book two consecutive nights’ stay¹⁸. You will receive $1 for each dollar spent on dining, spa and resort activities, up to USD100.

Complimentary Travel Insurance

Complimentary domestic and international travel insurance⁶ for you, your partner and your dependent children under the age of 22 when you pay for a return trip on your Card including:

Medical Emergency Expenses Cover⁶ up to $2,500,000
Personal Liability Cover⁶ up to $2,000,000
Travel Cancellation Cover⁶ up to $30,000
Travel Inconvenience Cover⁶ for flight or luggage delays and missed connections
Up to $10,000 cover for loss or damage to baggage, money or documents⁶

Before you apply for your American Express Explorer^® Credit Card, make sure you can say 'yes' to the following:

I have an annual income of $65,000 or more
I agree to access my statements online through American Express
I am aged 18 years or over
I have no history of bad debt or payment default
I am 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.

If you can say 'yes', go ahead. Your application takes less than 10 minutes and we may be able to give you a response in less than 60 seconds - so apply now

Read the Key Facts Sheet for this Credit Card.

Ready to Apply?

Applying takes less than 10 minutes, and you could get a response in less than 60 seconds.