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The American Express Explorer Credit Card

[Image: The American Express Explorer^® Credit Card]

Turn everyday spend into extraordinary adventures with your new travel companion

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• Terms And Conditions

New Card Member Offer

Receive 100,000 Bonus Membership Rewards Points

when you apply online by 2 December 2025, are approved, and spend $4,000 on eligible purchases on your new American Express Explorer Credit Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.

Key Information

Card Type

Credit Card

Annual Fee

$395 p.a.

Interest Rate

23.99% p.a. on purchases

Interest Free Period

Up to 55 days

How To Earn Membership Rewards Points

2 points per $1 spent on purchases excluding government bodies in Australia4

2

points per $1 spent

on purchases excluding government bodies in Australia4

1 point per $1 spent on purchases at 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 Travel

Complimentary domestic & international Travel Insurance

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 Airport

All Benefits

• RewardsGet more out of life and earn rewards along the way with the Membership Rewards® program.4
  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 Airline Rewards Partner Programs9 including Virgin Australia and Singapore Airlines.
  • Transfer points to two Hotel Partners; Hilton Honors and Marriot Bonvoy9
  • 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
• Service and ProtectionProtection when you need it most. Shop with confidence.
  [Image: Service and Protection]
  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
• Travel BenefitsExplore the top travel perks you get as a Card Member and plan your next adventure.
  [Image: Travel Benefits]
  $400 annual Travel Credit
  Enjoy $400 to spend on travel each year with American Express Travel. Redeem your Travel Credit for domestic or international flights, hotels, car hire and more5
  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).

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

Important Information

• American Express Explorer Credit Card Insurance Terms and Conditions
• Membership Rewards Terms and Conditions
• Card Terms & Conditions
• Target Market Determination

[Image: The American Express Explorer^® Credit Card]

Applying takes less than 10 minutes, and you could receive a response within 60 seconds

Apply Now

The American Express Explorer® Credit Card

Cards are offered, issued, and administered by American Express Australia Limited ABN 92 108 952 085, Australian Credit Licence No. 291313.
American Express income and credit approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 2 July 2025 and are subject to change. Applicants must be 18 years of age or over to apply for the American Express Explorer Credit Card. They must be 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.

1. Bonus & Eligibility
   100,000 Bonus Membership Rewards® Points are only available to new American Express Card Members who apply online by 2 December 2025, are approved and spend $4,000 or more on eligible purchases on your new Card in 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. Please allow 8-10 weeks for the bonus points to be credited to your Account after the spend criteria has been met. Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the past 18 months are ineligible for this offer. The American Express Explorer® Credit Card has an annual Card fee of $395. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.
2. Interest Rate.
   This interest rate does not apply for Cash Advances and associated fees.
3. 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.
4. 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.
5. 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.
6. 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.
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. 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.
9. Partner Programs.
   Subject to the Terms and Conditions of the Membership Rewards program available here. To transfer Membership Rewards points into an airline rewards or frequent guest partner program, you must be a member of the partner program. Membership of the partner program is the Card Member's responsibility and is subject to the Terms and Conditions of the applicable program. A joining fee may apply.
10. American Express Travel Online:
    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.​
11. Gift Cards.
    Please allow up to 10 days for the Gift Cards to be delivered. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for details.
12. Cover Charges with Points
    For each successful transaction with Cover Charges with Points, points will be debited from your Membership Rewards account and a credit placed on your Card in line with the points chosen to be used for the Eligible Charge. A minimum of 1,000 Membership Rewards points is required to cover any eligible transaction with points. Any credit to your Card account cannot exceed the amount of the relevant Eligible Charges. A credit will appear on your statement identified as “Membership Rewards Credit”. Points will be debited immediately and the credit will take up to 3 business days to appear online. Credits processed after the Card account’s statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card account by the due date. Any charges covered by points is not redeemable for cash via Credit balance refund. American Express will select and display each eligible charge that can be covered with points (“Eligible Charge”) and the points rate required to cover the Eligible Charge. Each Eligible Charge must: (a) appear within the Online Statement of the Summary of Accounts page; (b) be redeemed within 2 months of the charge appearing on your Card account; (c) not currently or have previously been disputed; and (d) not be a fee. Eligible Charges, including the points rate required to pay for the Eligible Charge, may be changed at any time without notice. Eligible transactions can be covered by points via your online account or American Express mobile app. Covering charges with points is available only to Basic Cardmembers enrolled in the Australian Membership Rewards program and is subject to the full Membership Rewards Terms and Conditions. Authorised agents, authorised account managers, additional Cardmembers and Authorised Additional Cardmembers are not eligible. All Linked Card accounts must be in good standing. For more information on Cover Charges with Points click here.
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.
15. 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.
16. 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 Platinum 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.