Skip to content
American ExpressAmerican ExpressAmerican ExpressAmerican ExpressAmerican Express
Customer ServiceLogin
‌
Key Information
Card Type
Credit Card
Annual Fee
$395 p.a.
Interest Rate
23.99% p.a. on purchases2
Interest Free Period
Up to 55 days3

How To Earn Membership Rewards Points

2

points per $1 spent

on purchases excluding government bodies in Australia4

1

point per $1 spent

on purchases at government bodies in Australia4

Key Benefits

$400 to spend on travel each year

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

Complimentary domestic & international Travel Insurance6

When you purchase a return trip on your Card. Policy includes cover for Medical Emergency Expenses, Cancellation & a range of cover for COVID-19

Airport Lounge access

Enjoy two complimentary entries per year to The Centurion® Lounge at Sydney International Airport or Melbourne International Airport7

All Benefits

$400 Travel Credit each year

Receive $400 to spend on domestic or international travel each year when you make a booking for $400 or more on flights, hotels, car hire and more with American Express Travel Online5.
Learn more about the Travel Credit here.

    Airport Lounge Access

    Relax before your flight with two complimentary entries per calendar year to The Centurion® 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’ stay16. You will receive $1 for each dollar spent on dining, spa and resort activities, up to USD100.

        Complimentary Travel Insurance

        Travel with domestic and international insurance6 for you, your partner and your dependent children, when you pay for your return trip on your Card. Some of the covers included are:

        - Trip Cancellation and Amendment Cover
        - Travel Inconvenience Cover
        - Public Transport Accident Cover
        - Personal Baggage, Valuables, Money and Travel Documents Cover
        - Medical Emergency Expenses Cover
        - Personal Accident Cover

        Sub-limits apply. Please refer to the ‘Schedule of Benefits’ section of the Insurance Terms and Conditions for full details.

        Terms, conditions, cover limits and exclusions apply (such as a maximum age limit of 79 when travel is purchased and a pre-existing medical condition(s) exclusion).

          How You Earn Membership Rewards Points

          Earn Membership Rewards points on every dollar you spend on your Card and see how quickly they can add up:

          • Earn 2 points per $1 spent on purchases excluding government bodies in Australia4
          • Earn 1 point per $1 spent on purchases at government bodies in Australia4
          • Boost your points balance by adding up to 4 Additional Cards to your Account for family or friends, at no extra charge8

          Choose Your Rewards

          Use points for your next travel adventure, special gift, must-have purchase or unforgettable experience:

          • Transfer your points to over 10 major partners across Airline8, Hotel & Retail.
          • Book travel with points online at American Express Travel10
          • Redeem points for Digital Gift Cards11 from leading retailers
          • Use points to pay for eligible charges on your Account using Cover Charges with Points12

          Protection when you need it most

          • Smartphone Front Screen Cover6, 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. Waiting periods may apply. Terms, conditions and exclusions apply.
          • Buyer’s Advantage Cover6, extending the manufacturers' warranty by up to 12 months on eligible items purchased with your Card
          • Card Purchase Cover6, covering you for the replacement of eligible items purchased on your Card
          • Card Refund Cover6, cover for eligible items purchased on your Card should a store refuse a return
          • Fraud Protection Guarantee13, keeping you protected from unauthorised charges made on your Account
          • Emergency Card replacement14, for lost or stolen Cards virtually anywhere in the world.
          • Plan It™ Instalments15 is a new feature of your Card that offers you a flexible way to pay off transactions or a portion of your balance in equal monthly instalments, with no interest but a fixed monthly fee applies.
          • Use your Card securely around the world and check-out with Apple Pay, Samsung Pay and Google Pay

          Eligibility

          To apply for The Explorer® Credit Card you need to:

          • Be aged 18 years or over
          • Agree to access statements online through American Express
          • Be an Australian citizen, permanent resident or hold a long term visa
          • Have a good credit history and no payment defaults

          Documentation

          Documents and information to have ready:

          • Australian Driver's License number (if you have one)
          • Details of your income, expenses, and debts
          • Proof of income (e.g, payslips)


          Please click here to read the Key Facts Sheet for this Credit Card

          Explorer Card FAQs
          Does the Amex Explorer Card give access to an Airport Lounge?
          The Amex Explorer Card comes with two passes per year to the Centurion® Lounge at either Sydney International Airport or Melbourne International Airport7.
          What are the eligibility requirements for the Amex Explorer Card?
          To apply for the Amex Explorer® Credit Card you need to:

          • Be aged 18 years or over
          • Agree to access statements online through American Express
          • Be an Australian citizen, permanent resident or hold a long term visa
          • Have a good credit history and no payment defaults
          What is the Annual Card Fee for the Amex Explorer Card?
          The Amex Explorer Card has an annual Card Fee of $395 p.a.
          How is the limit on the Amex Explorer Card determined?
          All American Express Credit Cards have a maximum Credit limit. Your highest limit will depend on your financial circumstances and the Credit Card you choose. When you apply for the Amex Explorer Credit Card, you’ll have the opportunity to indicate your preferred Credit Card limit and approval for your credit line will be subject to our approval criteria. You should ensure that you nominate a limit that’s in line with your current financial circumstances.

          It’s also important to know that choosing a low limit during the application process will not change your chances of approval. If you don’t choose a limit, we’ll assign you one, based on your current financial circumstances.
          Can I pay for my purchases over time?
          The Amex Explorer Card comes with Plan It®, which gives you the option to split the payment of your purchases15. Plan It instalments allow you to pay off transactions - or a portion of your Card balance - in 3, 6 or 12 equal monthly payments. There’s no interest but a fixed monthly fee applies.
          How can I use Amex Membership Rewards® points on the Amex Explorer Card?
          Whether it’s on travel, using points to shop online or reducing your Account balance, the Amex Membership Rewards Program lets you choose from a wide range of rewards:

          • Use Points for Purchases: You may use your points to make purchases at certain retailers listed on our website with Pay with Points17. You can also use your points to cover eligible charges on your Card using Cover Charges with Points12.
          • Use Points to Travel: Use your points to book flights, hotels or car rentals with Amex Travel Online10.
          • Use Points to Transfer to Partners: You can transfer your points to major Partner Programs across airline, hotel and retail9.
          • Use Points for Digital Gift Cards: You can redeem your points for Digital Gift Cards11 from leading brands and retailers.
          What are the benefits of using the Amex Explorer Card?
          The Amex Explorer Card offers a wide range of rewards and travel benefits. Here are some of the main ones:

          • Interest free days: You get up to 55 days to pay for your Card purchases3.
          • Travel benefits: Receive $400 each year to spend on eligible domestic and international flights, hotels or car hire with American Express Travel5, get two complimentary entries per year to The Centurion® Lounge at Sydney International Airport or Melbourne International Airport7 and complimentary domestic and international insurance6 for you, your partner and your dependent children, when you pay for your return trip on your Card. (Terms, conditions, cover limits and exclusions apply (such as a maximum age limit of 79 when travel is purchased and a pre-existing medical condition(s) exclusion).
          • Extra perks: Access Amex Offers across shopping, dining, travel and entertainment, Pre-Sale tickets and Card Member only Entertainment Lounges.

          Other Recommended Cards For You

          Earn up to 300,000 Bonus Membership Rewards® Points1

          The American Express® Platinum Card

          That’s 200,000 Bonus Membership Rewards Points when you apply online by 3 November 2026, are approved, and spend $5,000 on eligible purchases on your new American Express® Platinum Card within the first 3 months of your approval date. Plus, earn an additional 100,000 Bonus Membership Rewards Points when you spend a further $5,000 on eligible purchases within the first 3 months of your second year of Card membership. T&Cs apply. New Amex Card Members only.

          Enjoy $0 Annual Card Fee (usually $195) in the first year

          The American Express® Platinum Edge Credit Card

          when you apply online, and are approved. T&Cs apply. New Card Members only1. Offer subject to change without notice.

          Earn up to 120,000 bonus Qantas Points1

          The Qantas American Express Ultimate Card

          That’s 70,000 bonus Qantas Points when you apply online by 17 November 2026, are approved, and spend $5,000 on eligible purchases on your new Qantas American Express Ultimate Card within the first 3 months of your approval date. Plus, earn an additional 50,000 bonus Qantas Points when you spend a further $5,000 on eligible purchases within the first 3 months of your second year of Card Membership. T&Cs apply. New Amex Card Members only.