American Express

American Express Explorer Credit Card

Medium explorer credit card

Good For

Rewards Balance Transfer Offers Special Offers Perks Overseas Spending Frequent Flyer Rewards Max Interest Free Days

  • Type: American Express
  • Level: Standard

All Offers

Balance Transfers Offers 0% p.a. for 12 months then 20.74%
1% balance transfer fee
Introductory Offers N/A
Special Offers Receive 50,000 Membership Rewards Bonus Points when you apply online, are approved and spend $1500 in the first 3 months. Available to new card members & Bank-issued companion cardholders

(until further notice)

Rates & Fees

Ongoing Purchase Interest Rate 20.74% p.a
Annual Fee $395
Maximum free days Up to 55
Late Payment Fee $30
Over Limit Fee $15

Overseas Spending

Currency Conversion Fee 3%
Overseas ATM Charges N/A
Estimated ATM Cost for AU$300 withdrawal $9.00

Frequent Flyer Rewards

Points per $1 spent 1.5
Partners Virgin Australia, Air New Zealand, Emirates
Annual Flights Earned 4.3 SYD-MEL return flights ($395 in annual fees)


Points per $1 spent 2
Rewards Available Frequent Flyer, Shopping, Cashback & more
Value of Rewards $493.89 after $395 annual fees
Additional Fee for Reward Card $0


Travel Insurance Up to 180 days
International & Domestic
VIP Perks
  • Rental vehicle excess insurance
  • Extended warranty

Repayment Details

$ Minimum Repayment $30
% Minimum Repayment 2.5%

Application Requirements

Minimum Credit Limit $3,000
Maximum Credit Limit $50,000

More about American Express

American Express offers a wide range of competitive credit card options for everyday personal and business spending. All their credit cards include perks and reward benefits for users. More merchants than ever before are choosing to accept American Express in Australia, allowing users to build up reward points fast. For travellers, a frequent flyer card means they can earn Qantas or Velocity Points on every day purchases and other benefits, such as travel insurance. Big spenders can treat themselves with a Platinum Card, allowing for accelerated rates on reward point categories. No matter what type of spender you are, American Express has a card just for you.

Compare and discover the lowest fees on credit cards.