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The American Express Explorer® Credit Card

Get set to explore new horizons

Card Type
Annual Fee
$395 p.a.
Interest Rate
20.74% p.a. on purchases2
Interest Free Period
Up to 55 days3
Receive 50,000 Membership Rewards Bonus Points1 when you apply online, are approved, and spend $3,000 on your new Card within the first 3 months. This offer is available to new Card Members only.1
*Terms & Conditions

Explore the benefits


Receive $400 to spend on travel each year that can be used on eligible flights, hotels, car hire or unique experiences when booked through American Express Travel4

Airport Lounge access

Enjoy two complimentary entries per year to the American Express Lounge at Sydney International Airport or Melbourne International Airport5

Travel Insurance

Travel with peace of mind knowing you’re covered with complimentary domestic and international travel insurance when you pay for your return trip with your Card6

Your Rewards, Your Way

Earn points every day
  • Earn 2 Membership Rewards points per $1 spent on purchases excluding government bodies in Australia7
  • Earn 1 Membership Rewards point per $1 spent at government bodies in Australia7
  • 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 Programs9 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 Ticketmaster 14

Protection when you need it most

  • Smartphone Screen Insurance6, covering up to $500 for repairs if you break your screen
  • 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 stolen or damaged items purchased on your Card
  • Refund Protection6, cover for new items purchased on your Card should a store refuse a return
  • Online 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.
  • Use your Card securely around the world and check-out with Apple Pay, Samsung Pay and Google Pay


  • $400 to spend on travel each year4 for flights, hotels, experiences or car hire when booked and paid for online at American Express Travel
  • Two complimentary entries into the American Express Lounge at Sydney International Airport or Melbourne International Airport5
  • Book two consecutive nights' stay and enjoy a hotel credit up to US$100 and a room upgrade, (when available) at properties part of The Hotel Collection17.
  • Complimentary domestic and international travel insurance for you, your partner and your dependent children under the age of 22 when you pay for travel 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 documents;
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.​