American Express Explorer Credit Card Targeted Offer

Fees

Benefits

• Lounge Access

  2 visits/year · The Centurion Lounge

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  Two complimentary entries per calendar year to The Centurion Lounge at Sydney or Melbourne International Airports; children 17 and under enter free, additional guests may be charged

• Travel Credits

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  $400 annual Travel Credit to spend on eligible domestic or international flights, hotels and car hire booked through American Express Travel; valid 365 days from benefit anniversary

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• Hotel Benefits

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  The Hotel Collection: up to US$100 hotel credit (on dining, spa and resort activities) and a one-category room upgrade when available on bookings of two consecutive nights at select hotels

• Points Transfer Benefits

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  Redeem Membership Rewards points with over 10 airline partner programs or Hilton Honors hotel partner; transfers subject to partner program terms

• Installment Plans

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  Plan It Instalments lets you pay off transactions or a portion of your balance in equal monthly instalments with no interest but a fixed monthly plan fee

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• Interest Free Periods

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  Up to 55 interest-free days on purchases when the full closing balance is paid by the due date each month; no interest-free period on balance transfers

• Digital Wallet Integration

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  Supports Apple Pay, Samsung Pay and Google Pay

• No Additional Cardholder Fee

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  Add Additional Cards for up to 4 family members at no extra fee

• Travel Insurance

  Up to $2,500,000 cover · trips up to 180 days

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  Complimentary domestic and international travel insurance when the return trip is paid on the Card; covers trip cancellation, medical emergency expenses, baggage and personal accident; cover ends for all trips at 180 days; medical emergency expenses up to $2,500,000 on international return trips

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• Purchase Protection Insurance

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  Card Purchase Cover: eligible items purchased on the Card covered against theft or damage within 90 days of purchase

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• Extended Warranty Insurance

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  Buyer's Advantage Cover extends the original Australian manufacturer's warranty (up to an additional 1 year) on eligible items purchased on the Card

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• Mobile Phone Insurance

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  Smartphone Screen Cover: up to $500 for front screen repairs when the phone is bought outright or the data plan is paid on the Card; 10% excess applies; phones older than 3 years excluded

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• Rental Vehicle Insurance

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  Loss Damage Waiver Cover up to $100,000 for loss or damage to a rental vehicle hired for less than 31 days and paid on the Card; driver must be aged 21-79; motorcycles, campervans and buses excluded

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• Transit Accident Insurance

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  Public Transport Accident Cover: up to $300,000 for accidental death or permanent disablement while travelling as a passenger on public transport

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Benefit history

• Travel InsuranceUpdated May 2026
• Installment PlansUpdated May 2026
• Digital Wallet IntegrationUpdated May 2026
• Purchase Protection InsuranceUpdated May 2026
• Extended Warranty InsuranceUpdated May 2026
• Hotel BenefitsUpdated May 2026
• No Additional Cardholder FeeUpdated May 2026
• Lounge AccessUpdated May 2026