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
$395 Annual Fee
1% Balance Transfer Fee
|Category||Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards|
|Card Type||American Express|
|Benefits||Complimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit|
|Minimum Credit Limit||$3,000|
|Additional Cardholder Fee||$0 p.a.|
|Rewards Program||American Express Membership Rewards|
|Points Earn Rate||2 points per $1|
There is no cap on earn rate.
|Contactless Payments||Apple Pay, Fitbit Pay, Google Pay and Samsung Pay|
|Rates & Fees|
|Purchase Rate||20.74% p.a.|
|Cash Advance Fee||2%|
|Late Payment Fee||$30|
|Annual Fee||$395 p.a.|
|Foreign Transaction Fee||3%|
|Interest Free Period||55 days|
Receive 50,000 Membership Rewards Bonus Points when you spend $3,000 within the first 3 months.
Worst card ever, never coming back Amex card
$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? "
Great card for the rewards and travel credit & Mobile& travel Insurance
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.
A card which gives good points
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
Excellent Credit Card with Great Rewards!
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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Great rewards earning rate, good all round card
It's a good all round card, with a decent earning rate of 2x points/$1 on almost everything (0.5/$1 on Government).
Points can now be redeemed at the same rate as more premium Amex cards (like Platinum Charge) since the realignment of the programme a few months ago. I personally use them for airmiles, 0.5 miles per 1 point (1 mile/$1, which is pretty good).
Usual rip off 3% foreign exchange charge, with no additional reward for overseas use, so I don't use it outside Aus.
$395 annual fee is offset by the $400 travel credit, but that's only a be...
Pros and Cons of the American Express Explorer Card
I've had the American Express Explorer card for about 3 years. Here are the pros and cons:
1. The card comes with plenty of added benefits including including travel protection, mobile phone screen up to $500, extended product warranty etc.
2. The annual fee is $395 however; you get $400 credit to use through American Express Travel. So as long as you're travelling at least one a year, the annual fee pays for itself.
3. Customer service is pretty good and it's convenient using the web chat service and not having to call.
4. You can use reward points for credit off your account balance. ...5. Travel insurance seems pretty reliable. I recently made a claim for USD $4,000 after returning from the US and the claim process was seamless. It was all done online and the claim was paid out in 2 weeks. Very positive experience. Cons 1. The $400 travel credit can only be used on American Express Travel which is a poorly designed travel site with lots of bugs. It does not make for a good experience. As a global conglomerate, I can;t understand why American Express have failed to invest more in their travel site. Also, the site doesn't offer up all flights. I've noticed they never have the budget fares for Virgin or Qantas and only seem to have the flexi and premium fares. So whilst you get $400 travel credit, you may not be able to use it economically. 2. They've recently lowered the conversion rate for American Express reward points to Velocity reward points. 3. American Express cards are still widely shunned by merchants in Australia. I'd say 80% of merchants won;t accept American Express and the ones who do will normally charge 2% to 3% for the privilege. 4. Interest rate is high but not an issue if you pay your balance by the due date each month.
Ripped off my points !
I have well over 160,000 points and I wanted to transfer to Asiamiles before the 15 April deadline of the massive devaluation.
I transfer twice three and two weeks before the deadline and they have both failed. Right after the devaluation they say now I can transfer, but only under the new rate. This means I would lose at least a one way flight to Asia in points.
Beside after the massive devaluation there is little point keeping the Amex as a lot of merchants still not accept it, or will have a higher surcharge for using it. The $400 Amex t...ravel credit is of little value as they are offer a less range of hotels and flights and are more expensive than other websites such as Expedia and Booking.com anyway. Their foreign currency commission is one of the highest among other credit cards.
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