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Start your journey with a Welcome Offer of up to 72,000 miles
Earn as low as HK$1.68 = 1 mile6 on foreign currency and travel spending
New Cardmembers# who apply for the American Express Explorer Credit Card before 31 December, 2025 and unlock a Welcome Offer of up to 72,000 miles! Apply now and start earning miles while traveling smarter.
First-year annual fee waiver of HK$2,200
Explore More, Worry-Free! Earn Miles and Fly Further with the Explorer Credit Card
NEW Foreign Currencies and Travel Spend Offer HK$1.68=1 mile6 Enroll here to earn as low as HK$1.68 = 1 mile for overseas spending and spend in airlines or selected online travel agencies6 |
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Up to 72,000 air miles Enjoy HK$3 =1 mile for eligible local spending and Welcome Offer of up to 72,000 miles! |
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Lounge Access Enjoy privileged access to Plaza Premium Lounges and Intervals Bar3 |
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More Flexibility Convert points into miles without a handling fee, as well as cash vouchers, Pay with Points, hotel points, lifestyle gifts, and more. |
Begin your next adventure with the new welcome offer.
New Cardmembers# only
#Applicants are currently not holding, or have not cancelled or held basic Card product issued by American Express Hong Kong within the past 12 months from the date of this application
Successfully apply as an existing Cardmember if you are
- a cardmember who are currently holding any approved Basic Credit Card or Charge Card issued by American Express Hong Kong within the past 12 months or
- an applicant who has held or cancelled any approved Basic Credit Card or Charge Card issued by American Express Hong Kong within the past 12 months.
Earn Membership Rewards® points effortlessly
with no expiry date
Explorer Our Latest Benefits
An airport experience that turns wait times into good times
Start your journey at ease.
From now until December 31, 2025, Basic and Supplementary Cardmember(s) of Explorer Credit Card can enjoy a total of 8 times* complimentary lounge access or a complimentary meal set entitlement at designed airport dining outlets every calendar year, including the Intervals Bar located in Hong Kong International Airport.
Terms and Conditions apply.
* With effect from January 1, 2026, new changes will be made to the American Express Explorer Credit Card Benefits Terms and Conditions on the Plaza Premium Lounge Access or a complimentary meal set at designated dining outlets Offer Terms and Conditions. Click here for details.
Enjoy 5X points^ at everyday dining outlets in town
Turning downtime into perfect uploads with 5X rewards points.
Enjoy 5 points^ at a wide selection of Food and Beverages merchants in Hong Kong, including cafes, eateries, restaurants and bars.
What's more, stopy by our designated partners to get complimentary upgrade offers.
Selected restaurants under Leading Nation
(Elephant Grounds and Morty's Delicatessen)
Terms and Conditions apply.
Treat yourself with our exclusive dining offers
Savor every moment with our seasonal and year-round dining offers.
Enjoy up to 25% savings upon purchase at designated restaurnats and enjoy complimentary canapés upon purchase of designated drinks at selected bars!
Stay tuned with our special offers to elevate your dining experience!
Terms and Conditions apply.
Enjoy 5X points^ at selected Online Merchants
Turn your online spending into even more bonus points.
Shop effortlessly and earn extra rewards with a wide range of selected online merchants across various categories.
American Express Insurance e.Marketplace is a platform for Cardmembers to purchase insurance products. Receive 5 Membership Rewards Points for every HK$1 eligible spending, applicable to payments for new and existing policies purchased on the platform using American Express Explorer Credit Card and made on or after December 1, 2022. Extra Membership Rewards points cap, Exclusions and Terms and Conditions apply.
Terms and Conditions apply.
More Benefits
CARD PRIVILEGES
- Amex Experiences - Explore a series of local and oversea curated events that come with Amex! Including Hong Kong Wine & Dine Festival, Coachella, Formula 1® and more. For more details, please visit here.
- Hot Offer - From October 13, 2025 till November 23, 2025, you can enjoy up to 20% savings when you book two or more Business or Premium Economy class round-trip adult tickets to selected destinations on the designated Cathy Pacific website. Offer is limited and on a first-come first-served basis. Book now.
- HK$1 Star Ferry Rides - Enjoy a HK$1 Star Ferry ride by clicking the "Pay by Amex $1" button at the Star Ferry turnstile and tapping your Card on the payment reader. No registration is required. For more details, please visit here.
- Movie Privileges7 - 10% savings on 4DX, 3D, 2D and IMAX regular priced movie tickets at Broadway Circuit in Hong Kong.
- Pay with Points8 - Enjoy complete flexibility with Pay with Points by American Express, you can use your Membership Rewards points to offset nearly all purchases you make with your American Express Card - including dining, everyday spending, travel, entertainment and more. For more details, please visit here.
- Year-round Offers - Click here to find out more attractive year-round offers with the American Express Explorer Credit Card.
- Annual fee waiver - Your Basic Card Annual Membership fee of HK$2,200 will be waived and you can continue using the first two Supplementary Cards without paying any annual membership fee for the following year simply by spending HK$150,000 annually.
- Supplementary Cards - 2 complimentary Supplementary Cards.
PEACE OF MIND
- Complimentary Travel Insurance9
When you pay for your entire fare for an overseas trip with American Express Explorer Credit Card, you'll always have someone to rely on when you travel.- Travel Accident Insurance with coverage up to HK$3.5 million
- Travel Inconvenience Protection with coverage up to HK$10,000 per year
- Shopping Protection
You can spend on your American Express Explorer Credit Card with total peace of mind. We'll protect you against fraud, faulty goods and even if you change your mind, we've got you covered.- Online Fraud Protection Guarantee10
Shop online with your Card and you won't be held responsible for any fraudulent charge. - No Worries Guarantee Program9
- Return Guarantee Protection Plan
- 45 Days Cover
- Extended Warranty Protection
- Price Protection Plan
- Online Fraud Protection Guarantee10
- World Class Service
Whatever you need, whenever the time, wherever you are, our world-class service stands by just for you. Call 2277 2005 and you'll have access to:- Over 2,200 Travel Service Offices in more than 140 countries
- Manage your account online and get 24-hour secure access to monitor all your charges and payments
American Express
Explorer Credit Card
New Cardmembers# who apply now to enjoy new welcome offer of up to 72,000 miles, plus first-year annual fee waiver.
Enroll the foreign currencies and travel spend offer to earn as low as HK$1.68 = 1 mile, enjoy up to 5X points for spending at selected merchants!
Eligibility
You qualify for this Card if:
- You are 18 years or older
- You have a minimum income of HK$300,000 p.a.
- You are a Hong Kong or Macau resident/citizen
How to apply
Click here to download the PDF on how to apply.
Welcome Offer Terms and Conditions apply.
#Applicants are currently not holding, or have not cancelled or held basic Card product issued by American Express Hong Kong within the past 12 months from the date of this application. Cardmembers who are currently holding or applicants who have held or cancelled any approved Basic Card issued by American Express Hong Kong within the past 12 months from the date of this application, are NOT eligible for the first-year annual fee waiver and the Welcome Offer. American Express reserves the right to debit the original price of the Welcome Offer from such Cardmember’s account without prior notice.
`Cardmembers who are currently holding or applicants who have held or cancelled any approved basic Card product issued by American Express Hong Kong within the past 12 months from the date of this application.
Card Benefits Terms and Conditions apply.
Membership Rewards Program Terms and Conditions apply.
^ Eligible Cardmember must successfully enroll with the Eligible Card. Click here for more details. Including the 3 points earned under the American Express Explorer Credit Card Membership Rewards Program. The additional 2 American Express Membership Rewards points for every HK$1 spending incurred from 5X Offer (including Selected Online Merchants and Everyday Dining) are capped at extra 90,000 Membership Rewards points in total per Eligible Card Account for each calendar quarter.
* With effect from January 1, 2026, new changes will be made to the American Express Explorer Credit Card Benefits Terms and Conditions on the Plaza Premium Lounge Access or a complimentary meal set at designated dining outlets Offer Terms and Conditions. Click here for details.
- On the basis of HK$100 cash voucher can be redeemed by 30,000 Membership Rewards points and HK$10 Pay with Points can be redeemed by 3,000 Membership Rewards points.
- Conversion rate accurate as of December 2023, in which 1,000 air miles can be redeemed by 18,000 Membership Rewards points.
- Basic and Supplementary Cardmember(s) of American Express Explorer Credit Card can enjoy a total of 8 times complimentary Plaza Premium Lounge access or a complimentary meal set entitlement at designated airport dining outlets every calendar year.
- For Basic Cardmembers who submit their Card application online and all required valid documents within 7 working days from the date of application submission.
- Aggregate spending of Basic and Supplementary Card(s).
- Upon successful enrollment in and fulfillment of the below Foreign Currencies and Travel Spend Offer, Cardmembers may earn up to 10.75 American Express Membership Rewards points for every HK$1 equivalent spent on eligible foreign currencies transactions, and for every HK$1 spent at Airlines or Selected Online Travel Agencies in Hong Kong dollars.
- "3X on Local and Foreign Currencies Spend" : Eligible Cardmembers will accrue 3 American Express Membership Rewards points for (i) every eligible HK$1 equivalent billed to the Eligible Card in foreign currencies; (ii) every eligible HK$1 equivalent spent in Airlines and Selected Online Travel Agencies billed to the Eligible Card in Hong Kong dollars. Enrollment is not required.
- "0.75X Additional Bonusing (Offer 1)" : During the Foreign Currencies and Travel Spend Offer Promotion Period (as defined below) and after successfully completing the enrollment to Offer 1, the Enrolled Cardmembers (as defined below) will start earning an additional 0.75 American Express Membership Rewards points for (i) every HK$1 equivalent spent in foreign currencies from Eligible Transactions (as defined below); and (ii) every eligible HK$1 spent on eligible airfare transactions for scheduled flights made directly with a passenger airline merchant ("Airline Bonusing") or at Selected Online Travel Agencies ("Selected Online Travel Agencies Bonusing") in Hong Kong dollars.
- "7X Additional Bonusing (Offer 2)": During the Foreign Currencies and Travel Spend Offer Promotion Period (as defined below) and after successfully completing the enrollment to Offer 2, the Enrolled Cardmembers (as defined below) will start earning an additional 7 American Express Membership Rewards points for (i) every HK$1 equivalent spent in the first HK$10,000 (or equivalent) in foreign currencies from Eligible Transactions (as defined below); and (ii) Every eligible HK$1 spent in the first HK$10,000 on eligible airfare transactions for scheduled flights made directly with a passenger airline merchant ("Airline Bonusing") or at Selected Online Travel Agencies ("Selected Online Travel Agencies Bonusing") in Hong Kong dollars billed to the Eligible Card during each calendar quarter (i.e. July 3 – September 30 or October 1 – December 31).
Above Offer 1 and Offer 2 are collectively "Foreign Currencies and Travel Spend Offer", which are valid from July 3, 2025 to December 31, 2025, both dates inclusive ("Foreign Currencies and Travel Spend Offer Promotion Period").
This program is applicable to Cardmembers of American Express Explorer Credit Card issued by American Express International, Inc. ("American Express") in Hong Kong ("Eligible Card" such holder, "Eligible Cardmember").
Eligible Cardmembers must successfully enroll in the Foreign Currencies and Travel Spend Offer with the Eligible Card during the Foreign Currencies and Travel Spend Offer Promotion Period ("Enrolled Cardmembers"), then spend in foreign currencies, airlines under Airline Bonusing or Selected Online Travel Agencies with the Eligible Card to enjoy the Foreign Currencies and Travel Spend Offer ("Eligible Transaction"), which shall be subject to any exclusions outlined in the American Express Membership Rewards Terms and Conditions or herein. For the avoidance of doubt, any spending/transaction that occurs prior to the successful enrollment is not counted as qualified/eligible transactions under the Foreign Currencies and Travel Spend Offer.
Foreign currency means any currency other than Hong Kong dollars. If a transaction is converted into Hong Kong dollars prior to being submitted to American Express International, Inc., foreign currency spend earn rate will not be applied on that spend. Payments for online transactions made in Hong Kong Dollars will also not be considered foreign currency spend. Foreign currency spend excludes charges and other fees. A Currency Conversion Fee applies when payment is charged in a currency other than Hong Kong dollars. For more information regarding charges made in foreign currencies, please refer to the relevant Cardmember Agreement.
For Airline Bonusing and Selected Online Travel Agencies Bonusing, exclusion and Terms & Conditions apply. Please refer to Membership Rewards Program Terms and Conditions for details. - Movie privileges Terms and Conditions apply.
- Cover it with Points Terms and Conditions, Shop with Points Terms and Conditions, Travel with Points Terms and Conditions and American Express Membership Rewards Program Terms and Conditions apply.
- Complimentary Travel Insurance and No Worries Guarantee Program (collectively "Plans") are underwritten by Chubb Insurance Hong Kong Limited ("Chubb"), Chubb is authorized and regulated by the Insurance Authority of the Hong Kong SAR and is solely responsible for all coverage and compensation under the Plans. American Express International, Inc. ("we/ us") does not act as an agent or fiduciary for you, and we may act on behalf of the insurance provider, as permitted by law. The Plans are subject to relevant Travel Insurance Terms and Conditions and No Worries Guarantee Program Terms and Conditions.
- Online Fraud Protection Guarantee Terms and Conditions apply. Provided that you notify us immediately upon discovery of any fraudulent transactions on your statement and you have complied with the Card conditions. "Immediately" means on or before the due date of the statement in which the fraudulent transaction appears.