The American Express Explorer® Credit Card
25,000 bonus Membership Rewards Points When you apply to upgrade, are approved and spend $3,000 on eligible purchases on your new Card in the first 3 months.1
Explore and earn rewards with the Explorer Credit Card
WINDIN FALLS, CAIRNS, QUEENSLAND |
The American Express
Explorer ® Credit Card
| Card Type: | Credit Card |
| Annual Fee: | $395 p.a. |
| Interest Free Period: | Up to 55 days2 |
| Interest Rate: | 23.99% p.a. on purchases3 |
OFFER
OFFER
25,000 bonus Membership Rewards Points
When you apply to upgrade, are approved and spend $3,000 on eligible purchases on your new Card in the first 3 months1. You will not receive this bonus if you have received this upgrade bonus previously. T&Cs apply.
Elevate your lifestyle and indulge yourself
Transform your everyday spending into extraordinary adventures with your exciting new travel companion by your side.
Reward yourself for doing what you love with American Express
Your American Express Essential® Rewards Card is designed to match your lifestyle and rewards you in places where you spend the most.
(See corresponding T&Cs below).
Explore your benefits and points earning potential
WINDIN FALLS, CAIRNS, QUEENSLAND |
Annual Travel Credit4
|
|
Complimentary Travel Insurance5
Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions and cover limits). |
Points Earn Rate
|
|
Airport Lounge Access7
|
Discover the American Express Explorer® Credit Card
Earn 2 points per $1 spent on purchases6
WINDIN FALLS, CAIRNS, QUEENSLAND |
Flexibility to transfer your points to various Airline Partners Transfer your points to over 10 major Airline Reward Partner Programs.8
|
|
Pay for travel with points Need a short break? Redeem points for eligible flights, hotels and car hire online through American Express Travel Online.9 |
Smartphone Front Screen Cover5 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. A 10% excess applies to the claimed amount.
Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions and cover limits). |
|
The Hotel Collection10 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’ stay. You will receive $1 for each dollar spent on dining, spa and resort activities, up to USD$100. |
Here’s what your Card can get you.
WINDIN FALLS, CAIRNS, QUEENSLAND |
Plan It® Instalments11 Plan It® Instalments is a feature of your Card that offers you a flexible way to pay off your Credit Card balance in equal monthly instalments, with no interest but a fixed monthly fee applies. T&Cs apply. |
|
Additional Cards Boost your points balance with Additional Cards for family and friends. Add up to 4 Cards at no additional fee, and the points earned will be credited to your Account12. The total spend is paid by the Primary Card holder. |
| Online Fraud Protection Guarantee, keeping you protected from unauthorised charges made on your Account.13 You will not be held liable for any unauthorised charges, provided that you do not contribute to or unreasonably delay reporting any misuse of your Account and you have complied with your Card Conditions. | |
| Emergency Card replacement, for lost or stolen Cards virtually anywhere in the world14. |
American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All interest rates are quoted as an annual percentage rate. All information is correct as at 15 October 2025 and is subject to change. The offer is only available to eligible Card Members who received a direct upgrade invitation from American Express. Cards are offered, issues and administered by American Express Australia Limited (ABN 92 108 952 085). Australia Credit License no.291313. ®Registered trademark of American Express Company. © 2025 American Express Company.
1. Bonus & Eligibility.
25,000 bonus Membership Rewards Points offers are only available to existing American Express Card Members who apply online to upgrade to the American Express Explorer Credit Card, are approved, and spend $3,000 on eligible purchases on their new Card in the first 3 months from the Card approval date. Eligible purchases do not include annual Card fees, cash advances, interest fees and charges for traveller's cheques and foreign currencies. The annual Card fee for the American Express Explorer Credit Card is $395. This offer is only available through direct application on this page. 25,000 bonus Membership Rewards Points will be awarded to the eligible Card Member's account 8-10 weeks after the spend criteria has been met. This offer is not applicable or valid in conjunction with any other advertised or promotional offer. Only select products are eligible to apply for an upgrade and we reserve the right to withdraw this offer if your Account is not in good standing, does not meet the minimum credit limit or we become aware of any adverse credit information. If you did not receive a direct communication from American Express you will not be eligible for the Bonus Points. You may not receive this bonus if you have received this Upgrade bonus previously. This offer may be withdrawn at any time without notice.
2. Interest Free Period.
You will have up to 55 days interest free on purchases provided you pay the full closing balance of your monthly statement by the due date each month. There is no interest free period on balance transfers or if you carry forward a balance from the previous statement period. The total of interest free days will depend on when you make the purchase and when your statement is issued.
3. Interest Rate.
This interest rate does not apply for Cash Advances and associated fees.
4. Travel Credit.
If your Card has a Travel Credit benefit, the Primary Card Member is eligible for an annual Travel Credit, subject to the full Travel Credit Terms and Conditions at amex.com.au/explorer-travelcreditterms. The Travel Credit can be redeemed through American Express Travel Online on a single eligible travel booking by selecting the Travel Credit when you checkout. To redeem the Travel Credit, the full value of the Travel Credit (or more) must be charged to the eligible Primary Card. Eligible travel includes flights, hotels and car hire when you prepay in advance. The Travel Credit can be used for 365 days from the benefit anniversary date and cannot be used past the expiration date. To check the expiration date of your Travel Credit if you have not already redeemed it, please visit americanexpress.com.au/travel; log in and click ‘Travel Credit’. If your booking is cancelled, and your Travel Credit has already been used and associated statement credit applied to your account, you will forfeit your annual Travel Credit benefit and American Express may reverse the statement credits issued. You need to be able to spend on the Card to access the Travel Credit benefit and it should be credited to your Card Account within 3 business days but may take up to 30 days. Your account must be in good standing and you must have paid the annual fee and minimum payment by the due date. If you cancel your Card, change your rewards program or Card type, you will no longer be eligible for the Travel Credit.
5. Explorer Card Insurance.
The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Explorer Credit Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Explorer Credit Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
6. Membership Rewards Program.
Subject to the Terms and Conditions of the Membership Rewards program available here. You will earn 1 point per dollar spent with Merchants classified as 'government', including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies, including where you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant.
7. The Centurion® Lounge.
Entry into The Centurion® Lounge is governed by the full Terms and Conditions available at amex.com.au/airportlounge. All entrants must adhere to the General Conditions of Entry. American Express Explorer Card Members are entitled to a total of two (2) entries into The Centurion® Lounges in Australia per calendar year (1 January to 31 December). Complimentary access is available for the Card Member’s children 17 years and younger. Card Members wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member's American Express Card.
8. Partner Programs.
Subject to the Terms and Conditions of the Membership Rewards Gateway program available at membershiprewards.com.au. You must be a member of the airline partner program, joining fees may apply and points transferred will be subject to the terms and conditions of the applicable airline partner program.
9. American Express Travel.
To earn or redeem Membership Rewards Points, Cards must be enrolled to the American Express Membership Rewards program, and your Card Account must be in good standing. To redeem Membership Rewards Points with American Express Travel Online, you need to have available limit on your Card for the full transaction amount of the booking. You will then receive a statement credit within 3 business days for your points redemption. If the credit isn’t on the same statement as the transaction, it should appear on your next statement. Please pay all amounts due each month. You will earn Membership Rewards Points on the full dollar amount charged to your Card. All bookings are subject to the terms and conditions of our Membership Rewards Program. For full Terms and Conditions, please visit the Membership Rewards website.
10. The Hotel Collection.
The Hotel Collection (THC) benefits are available for new bookings of two consecutive nights or more,with participating properties, made through Platinum Travel Service, Centurion Travel Service or American Express Travel Online. Bookings are valid only for eligible Card Members of the following American Express Cards: American Express" Rewards Advantage Card, American Express® Explorer Credit Card, American Express® Platinum Reserve Credit Card, American Express Gold Card, American Express" Gold Business Card, American Express* Business Gold Plus Card, American Express* Platinum Card, American Express® Platinum Business Card and American Express® Centurion Card. Excludes Gold Credit Card Members who are not also Australian Rewards Advantage, Gold or Platinum Charge Card Members. Bookings must be made using an eligible Card and must be paid using that Card, or another American Express® Card, in the eligible Card Member's name, and that Card Member must be travelling on the itinerary booked to be eligible for benefits described. Noon check-in, late check-out and the room upgrade are subject to availability, certain room categories are not eligible for upgrade. The type of US$100 credit and additional amenity (if applicable) varies by property, the US$100 credit will be applied to eligible charges up to US$100. To receive the US$100 credit, the eligible spend must be charged to your hotel room. The US$100 credit will be applied at check-out. Advance.reservations are recommended for certain credits. Benefit restrictions vary by property. Benefits are applied per room, per stay (with a three-room limit per stay). Beck-to-back stays booked by a single Card Member, Card Members staying in the same room or Card Members traveling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional THC benefits ("Prohibited Action"). American Express and the Property reserve the right to modify or revoke the THC benefits at any time without notice if we or they determine, in our or their sole discretion, that you have engeged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your THC benefits. Benefits cannot be redeemed for cash and are not combinable with other offers unless indicated. Benefits must be used during the stay booked. Any credits applicable are applied at check-out in US Dollars or the local currency equivalent. Benefits, participating properties, and availability and amenities at those properties are subject to change. To be eligible for THC program benefits, your eligible Card Account must not be cancelled. For additional information, call thenumber on the back of your Card.
11. Plan It
You can create an Instalment Plan as long as your account is in good standing. We may limit the amount that can be transferred to an Instalment Plan. Each Instalment Plan will begin from the date it is successfully created, as communicated to you in your Online Account. Payment of your first Monthly Instalment will be due in your next payment cycle. You will be charged a Monthly Plan Fee for each Instalment Plan created. This fee will be charged each month your Instalment Plan is active and will be notified to you before you create the Instalment Plan. View the full Plan It Instalments Terms and Conditions here.
12. Additional Card Members.
Additional Card Members must be 16 years of age or over. The Primary Card Member will be liable to pay for all transactions made by Additional Card Members. Earning of points is subject to the terms and conditions of the Rewards Program the Primary Card Member is actively enrolled. All points earned on Additional Card Member spend will go to the Primary Card Members Account. The Primary Card Member cannot add an Additional Card under their own name or email address and cannot add an Additional card under the name or email address of a previously approved Additional Card application on the Account.
13. Fraud Protection Guarantee.
Provided that you do not contribute to or unreasonably delay reporting any misuse of your Account and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges.
14. Emergency Card Replacement.
If your Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you will not be liable for any unauthorised charges.
When life changes, so could your Card
Discover better benefits and points earning potential when
you upgrade to the American Express Explorer® Credit Card.
KARIJINI, WESTERN AUSTRALIA |
The American Express
Explorer® Credit Card
Upgrade now and receive
25,000 Bonus Points
When you apply to upgrade, are approved, and spend $3,000 on eligible purchases on your new Card in the first 3 months. You will not receive this bonus if you have received this upgrade bonus previously. T&Cs apply.1
| Card Type: | Credit Card |
| Annual Fee: |
$395 p.a. |
| Interest Free Period: | Up to 55 days2 |
| Interest Rate: | 23.99% p.a. on purchases3 |
25,000 Bonus Points
When you apply to upgrade to the American Express Explorer Credit Card, are approved, and spend $3,000 on eligible purchases on your new Card in the first 3 months. You may not receive this bonus if you have received this upgrade bonus previously. T&Cs apply.1
Travel Benefits
Pack more into your next trip with $400 to spend on travel each year through American Express Travel6 and complimentary domestic and international travel insurance5 when you use the Card to pay for your return trip.
Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions and cover limits)
High Points Earn Rate
Earn 2 points per $1 on purchases excluding government bodies in Australia.4
Earn 1 point per $1 on purchases government bodies in Australia.4
Discover a Card
packed full of incredible value
Annual Travel Credit6
Receive $400 to spend on eligible domestic and international flights, hotels or car hire with American Express Travel
Centurion Lounge Access9
Pre flight relaxation with 2 complimentary passes per year to The Centurion® Lounge at Sydney or Melbourne International Airports
Complimentary Travel Insurance5
Travel with Confidence when you use your Card to pay for your return trip.
Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions and cover limits)
Smartphone Front Screen Cover5
Up to $500 for repairs, up to 2 claims a year when you pay for your smartphone with your Card, either outright or on a monthly contract.
A 10% excess applies to the claimed amount. Waiting periods, terms, conditions and exclusions apply.
Hotel Collection10
Up to US$100 Hotel Credit and room upgrade (when available) at selected hotels in The Hotel Collection at select hotels when you book a two or more consecutive nights’ stay
Get all this and more for a $395 Annual Fee
Earn up to 2 points per $1
spent on purchases4
Transfer with ease
Transfer points to 11 major airline reward partners7, including Singapore Airlines and our hotel partner, Hilton Honors.
Pay for travel with points
Need a short break? Redeem points on eligible flights, hotels and car hire online through American Express Travel.8
What your Card can get you
Receive $400 to spend on travel each anniversary year to use towards eligible flights, hotels or car hire booked online at American Express Travel.6
Enjoy complimentary domestic and overseas travel insurance for you, your partner and your dependent children when you pay for your return trip on your Card.5
Sub-limits apply. Please refer to the ‘Schedule of Benefits’ section of the Insurance Terms and Conditions for full details.
Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions and cover limits).
Kick back before you take-off with two complimentary entries each year to the The Centurion® Lounge at Sydney or Melbourne International Airports.9
Book a stay of two consecutive nights or more at a property participating in The Hotel Collection and you could receive10:
- A room upgrade at Check-in, where available10.
- Up to US $100 hotel credit at hotel check-in to spend on amenities like dining, spa or other leisure facilities10.
The Hotel Collection includes over 1000 curated properties in more than 30 countries worldwide from trusted brands like Hyatt and Hilton Hotels.
Shop and relax thanks to retail insurances, available when you pay for eligible items with your Card. Terms, conditions and exclusions apply (such as cover limits, waiting periods and excesses).
Smartphone Front Screen Cover5, When you pay for your phone or contract with your Explorer Credit Card. Maximum of 2 claims per 12 month period, per Account, maximum cover of $500 per claim.
Card Purchase Cover5, could keep you protected with cover should your new eligible items purchased with your Card.
Buyer’s Advantage Cover5, extends your manufacturer's warranty by up to 12 months on eligible items purchased with your Card.
Card Refund Cover5, can help if you're having trouble getting a refund for an eligible item purchased within 90 days.
Online Fraud Protection Guarantee, keeping you protected from unauthorised changes made on your Account11
You will not be held liable for any unauthorised charges, provided that you do not contribute to or unreasonably delay reporting any misuse of your Account and you have compiled with your Card Conditions
Emergency Card replacement, for lost or stolen Cards virtually anywhere in the world12
American Express Experiences®
Open the door to experiences with access to entertainment and exclusive offers.
Boost your points with Additional Cards for family and friends. Add up to 4 Cards at no additional fee, and the points earned will be credited to your Account13.
Ready to upgrade?
STEP 2
Log in with your Online Account details
STEP 3
Complete and submit your upgrade application
STEP 3
Submit your Upgrade
What happens next:
- You’ll get a response in 60 seconds!
- If approved, you’ll keep your Card Number and Online Account login details.
- You can continue spending on your existing Card until your new Card arrives. Typically, within 10 business days.
- Upgraded Card benefits will be available to use after receiving and activating your new card.
- Any Additional Card Members on your existing account will automatically be issued the Explorer Card.
- If you’re having issues upgrading online, simply call the number on the back of your Card.
The American Express Explorer® Credit Card
Receive 25,000 Bonus Membership Rewards Points when you apply to upgrade, are approved, and spend $3,000 on eligible purchases on your new Card in the first 3 months1.
T&Cs Apply. You may not receive this bonus if you have received this Upgrade bonus previously.
Other Upgrade Recommendations
The American Express Platinum Edge Credit Card
The Qantas American Express® Ultimate Card
American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All interest rates are quoted as an annual percentage rate. All information is correct as at 18th November 2024 and is subject to change. This offer is only available to eligible Card Members who received a direct upgrade invitation from American Express. Cards are offered, issued and administered by American Express Australia Limited (ABN 92 108 952 085). Australian Credit Licence no. 291313. ® Registered trademark of American Express Company. © 2024 American Express Company.
- Bonus & Eligibility. 25,000 Bonus Membership Rewards Points offer is only available to existing American Express Card Members who apply online to upgrade to the American Express Explorer Credit Card, are approved, and spend $3,000 on eligible purchases on their new Card within the first 3 months from the Card approval date. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. The annual Card fee for the Explorer Credit Card is $395. This offer is only available through direct application on this page. 25,000 Bonus Membership Rewards Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. This offer is not applicable or valid in conjunction with any other advertised or promotional offer. Only select products are eligible to apply for an upgrade and we reserve the right to withdraw this offer if your account is not in good standing, does not meet the minimum credit limit or we become aware of any adverse credit information. If you did not receive a direct communication from American Express you will not be eligible for the Statement Credit. You may not receive this bonus if you have received this Upgrade bonus previously. This offer may be withdrawn at any time without notice.
- Interest Free Period. You will have up to 55 days interest free on purchases provided you pay the full closing balance of your monthly statement by the due date each month. There is no interest free period on balance transfers or if you carry forward a balance from the previous statement period. The total of interest free days will depend on when you make the purchase and when your statement is issued.
- Interest Rate. This interest rate does not apply for Cash Advances and associated fees.
- Membership Rewards Program. Subject to the Terms and Conditions of the Membership Rewards program available here. You will earn 1 point per dollar spent with Merchants classified as 'government', including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies, including where you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant.
- Explorer Card Insurance. The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Explorer Credit Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Explorer Credit Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
- Explorer Travel Credit. If your card has a Travel Credit benefit, the Primary Card Member is eligible for an annual Travel Credit, subject to Travel Credit Terms and Conditions available at amex.com.au/explorer-travelcreditterms. The Travel Credit can be redeemed through American Express Travel Online on a single eligible travel booking by selecting the Travel Credit when you checkout. To redeem the Travel Credit, the full value of the Travel Credit (or more) must be charged to the eligible Primary Card. Eligible travel includes flights, hotels and car hire when you prepay in advance. The Travel Credit can be used for 365 days from the benefit anniversary date and cannot be used past the expiration date. To check the expiration date of your Travel Credit if you have not already redeemed it, please visit americanexpress.com.au/travel; log in and click ‘Travel Credit’. If your booking is cancelled, and your Travel Credit has already been used and associated statement credit applied to your account, you will forfeit your annual Travel Credit benefit and American Express may reverse the statement credits issued. You need to be able to spend on the Card to access the Travel Credit benefit and it should be credited to your Card Account within 3 business days but may take up to 30 days. Your account must be in good standing and you must have paid the annual fee and minimum payment by the due date. If you cancel your Card, change your rewards program or Card type, you will no longer be eligible for the Travel Credit.
- Partner Programs. Subject to the Terms and Conditions of the Membership Rewards program available here. You must be a member of the airline partner program, joining fees may apply and points transferred will be subject to the terms and conditions of the applicable airline partner program.
- American Express Travel. To earn or redeem Membership Rewards Points, Cards must be enrolled to the American Express Membership Rewards program, and your Card Account must be in good standing. To redeem Membership Rewards Points with American Express Travel Online, you need to have available limit on your Card for the full transaction amount of the booking. You will then receive a statement credit within 3 business days for your points redemption. If the credit isn’t on the same statement as the transaction, it should appear on your next statement. Please pay all amounts due each month. You will earn Membership Rewards Points on the full dollar amount charged to your Card. All bookings are subject to the terms and conditions of our Membership Rewards Program. For full Terms and Conditions, please visit the Membership Rewards website.
- The Centurion® Lounge at Sydney and Melbourne International Airports. Entry into The Centurion Lounge is governed by the full Terms and Conditions available at amex.com.au/airportlounge. All entrants must adhere to the General Conditions of Entry. American Express Explorer Card Members are entitled to a total of two (2) entries into The Centurion Lounge in Australia per calendar year (1 January to 31 December). Complimentary access is available for the Card Member's children 17 years and younger. Card Members wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member's American Express Card.
- The Hotel Collection.Valid only for new The Hotel Collection bookings of at least two consecutive nights with participating providers made through American Express Travel Online (americanexpress.com.au/travel or americanexpress.com.au/thc), Platinum Travel Service or Centurion Travel Service. Online bookings currently only available to Primary Card Members. The following American Express Card Members are eligible to book through The Hotel Collection: American Express® Rewards Advantage Card, American Express® Explorer Credit Card, American Express® Platinum Reserve Credit Card, American Express® Gold Card, American Express® Gold Business Card, American Express® Platinum Card, American Express® Business Platinum Card® and American Express® Centurion Card. Payment must be made in full with an eligible American Express Card in the Card Member’s name. Card Member must travel on itinerary booked to be eligible for benefits described. Membership Rewards® points and Explorer Travel Credit cannot be used towards The Hotel Collection bookings as payment.
The eligible Card Member will receive the credit as a deduction from the final hotel bill when checking out of the hotel; they will receive $1 for each eligible dollar spent up to $100 USD. Eligible spend includes dining, spa and resort activities. Eligible spend does not include charges for taxes, gratuities, fees and cost of room. Additional exclusions based on specific hotel restrictions may also apply (including without limitation purchases within the hotel that are unaffiliated and/or owned by third parties) - see hotel front desk for details. Credit must be used in conjunction with initial stay and cannot be carried over to another stay, is not redeemable for cash and expires at check-out. Credit is non-exchangeable and non-refundable and is applied in USD or equivalent in local currency based on exchange rate on day of arrival. Limit one credit per room, per stay. Three-room limit per Card Member per stay; back-to-back stays within a 24-hour period at the same property considered one stay. If an eligible Card Member cancels their room, any additional rooms will no longer qualify for benefits as the eligible Card Member must be staying at the hotel. Participating providers and benefits subject to change. Taxes, surcharges and additional fees are as supplied by the hotel at the time of reservation; however they are subject to change and will be charged as applicable at the time of settlement of your hotel account. Note that payments made in foreign currencies will be subject to a foreign currency conversion and fee at the time of payment upon departure. You may be able to use Membership Rewards® points and/or the Travel Credit on the American Express Travel website as payment towards The Hotel Collection, if the selected hotel and room type provides you the option to prepay in advance. A one category room upgrade is based on availability and eligibility at check-in to the hotel. - Fraud Protection Guarantee. Provided that you do not contribute to or unreasonably delay reporting any misuse of your Account and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges.
- Emergency Card Replacement. If your Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you will not be liable for any unauthorised charges.
- Additional Cards. Additional Card Members must be 16 years of age or over. Additional Card Members were previously referred to as "Supplementary Card Members". The Primary Card Member will be liable to pay for all transactions made by Additional Card Members. Earning of points is subject to the terms and conditions of the rewards program the Primary Card Member is enrolled. All points earned on Additional Card Member spend will go to the Primary Card Members Account.