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American Express Explorer

American Express Explorer

3.6 from 19 reviews · View Statistics
See the Best Frequent Flyer & Travel Credit Cards in 2022 as rated by Australians on ProductReview.com.au.
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Pros

Up to 50,000 bonus Membership Rewards points on offer
$400 Travel Credit each year
Two complimentary entries per year to the American Express Lounge at Sydney or Melbourne International Airports
Earn up to 2 Membership Rewards points per $1
Complimentary Travel Insurance

Cons

$395 Annual Fee
1% Balance Transfer Fee

Details

CategoryFrequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards
Card TypeAmerican Express
BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
Minimum Credit Limit $3,000.00
Minimum Income $65,000.00
Additional Cardholders 4
Additional Cardholder Fee $0.00 p.a.
Minimum Repayments2.5%
Rewards ProgramAmerican Express Membership Rewards
Points Earn Rate 2 points per $1
Points Conditions
  • 2 points per $1 spent on purchases excluding government bodies in Australia

  • 1 point per $1 spent at government bodies in Australia

There is no cap on earn rate.

Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Rates & Fees
Purchase Rate20.74% p.a.
Cash Advance Fee2%
Late Payment Fee$30.00
Annual Fee$395.00 p.a.
Foreign Transaction Fee 3%
Interest Free Period 55 days
Introductory Offers
Sign-Up Bonus

Receive 50,000 Membership Rewards Bonus Points when you spend $3,000 within the first 3 months.

Visit official website

Reviews

  • Transparency
    4.1 (16)
  • Customer Service
    4.4 (15)
  • Rates and Fees
    3.1 (18)
  • Rewards
    3.9 (16)
  • Online Experience
    3.9 (18)
  • Application Process
    4.6 (14)
Previous
Next
reza n.
reza n.Perth, WA
  • 2 reviews

my 400$ credit has lost

published

I bought a ticket from Qatar through amex with 400$ credit I had. then canceled it. the money was returned but the 400$ credit didn't. I contactd them and they said it woull be into my account after a few weeks. 4 months past and still didn't. have to call them again and spend time to get it back. the 395 annual not worth the card. i am going to close my account.

  • Rates and Fees
  • Rewards
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Imran S.
Imran S.
  • 2 reviews
  • 1 like
  • Verified

Worst booking travel experience ever! Extremely Unreliable!

published
  • Transparency
  • Customer Service
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Mon C
Mon C
  • 6 reviews

Value for $$$

published
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Vlad
VladGreater Melbourne (Inner), VIC
  • 5 reviews
  • 1 like
  • Verified

Very annoyed with Amex in second consecutive year

published
  • Transparency
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suki
sukiSydney, NSW
  • 3 reviews
  • 1 like

Worst card ever, never coming back Amex card

published

$400 travel credit expired and no extension due to Covid, I have spent a whole year in lockdown and forgot to cancel.... "nothing we can do " worst card ever, customer service advisor advised booking 1 year ahead for traveling. which is "are you crazy? during covid? "

  • Rates and Fees
  • Rewards
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The reviewer stated that an incentive was offered for this review

Jerry
JerryGreater Melbourne (Inner), VIC

Great card for the rewards and travel credit & Mobile& travel Insurance

published

I have the Amex Exporer card sinc ethe last 2 years.
The $395 annual fee is compensated by the $400 travel credit.
There are times, when the Tickets on the American express Travel site is a couple of $100 more than other websites.
The Rewards point value has been reduced from $7.41 /1000 points to $5.00 /1000 points.
The promotional offers e.g. vogue fashion nights & Small shop in November are good value for your money.

  • Transparency
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Hafiz Abdur Rehman
Hafiz Abdur RehmanGreater Melbourne (Inner), VIC
  • 4 reviews

Awesome credit card for points and travelling

published

This is one of the first credit cards I got and I loved it. It gives you the travel credit of same amount as annual fee plus it give you complementary insurance, lounge passes and many more benefits. The best part is that you can accumulate points at faster rate with this card and although amex is not accepted everywhere but to have that option in your hand is worth it.

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Ann
AnnCanberra 2600, ACT
  • 7 reviews
  • 2 likes
  • Verified

Great card, still going strong

published

Have had this card for 3 years and great card especially for travelling. Lounge access has been a blessing especially with a toddler.
Insurance on card is good as well, got a new phone stolen on the way back from one of our overseas trips and insurance gave us a full refund no questions asked.
Disappointed as the points have diminished in value over the years. But the perks of Amex offers makes up for some of the downfalls, though many of the good offers are full before you can register for it.

  • Transparency
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JC
JCMelbourne
  • 3 reviews

A card which gives good points

published

Enjoyed first year annual fee free and $400 traveling credit which I used on air ticket, pretty good service, they sent me reminder by text which help me avoid late payment penalty, no one else does that, the only thing I think can improve is add search bar on the website, so users can search by name, amount etc

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The reviewer stated that an incentive was offered for this review

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johnson
johnson
  • 9 reviews
  • 10 likes

Adjustment of points and rewards dilution

published

Have had it for two years, it's started to decline in its member benefits with stores that are overpriced and not relevant. The discount amount isnt actually attractive for sellers who have an inflated RRP
Also, it's American Express and isn't readily available within stores and if they are - there's usually surcharges.
Points used to get a higher return e.g 1,000 = $5 and it was formally $7+

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Steven
StevenSydney, NSW
  • Verified

Amazing Card! Great Product! Rewards are fantastic!

published

Had this card for almost three years, the amount of rewards given by this card has been overwhelmingly fantastic! American Express makes it very easy for us to claim our rewards and redeem them on flights. Plus the annual fee you pay for transfer directly to travel credit. Booking your flights with the travel credit on the AMEX service is easy and competitive! Just stay away from hotels!

We've used this card numerous time overseas and the rates are pretty competitive to other banks. There are no slap on fees or penalties for using this card abroad, hence the 'explorer' naming of it.

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Hayden L
Hayden LGreater Melbourne (Outer), VIC
  • 9 reviews
  • 3 likes

Excellent Credit Card with Great Rewards!

published

It was quite convenient for me to use my Amex card when I travelled to Phuket last month. It is more and more easier for me to accumulate points for example supermarkets like coles, woolworths, shops like bunings and ikea, etc can accept Amex. Also it will send me some cash back promotion to save in the card and automatically redeem when you hit the requirement. There're lots of ways to redeem my point, credit for repayment, travel credit, transfer to frequent flyer points, etc. The most good part is $400 trevel credit can be used per year. Really recommeneded.

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The reviewer stated that an incentive was offered for this review

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Michael
MichaelSydney, NSW
  • 5 reviews
  • 1 like

Best credit card

published

good value with $400 travel credit. best credit card on market!
Also come with international airport lounge and lots of amex deals
this is the only credit card I keep for long term.

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The reviewer stated that an incentive was offered for this review

Ross
RossCentral Highlands and Goldfields, VIC
  • Verified

Great rewards earning rate, good all round card

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R Sh
R ShSydney, NSW
  • 8 reviews
  • Verified

The only credit card I need

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