How to apply for your American Express Explorer Credit Card

The American Express Explorer Credit Card is perfect for Australians who love to earn rewards on their everyday spending while enjoying premium benefits like travel credits and insurance.

It’s not just about the points, it’s about giving your purchases extra value, whether you’re paying for groceries, booking flights, or enjoying a night out. With Amex’s strong support and a host of extras, the Explorer Credit Card helps turn everyday purchases into extraordinary benefits.

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Benefits: A premium credit card packed with rewards and travel perks

Let’s take a closer look at the standout benefits that make the Amex Explorer Credit Card such a favourite among Australians looking for premium value without unnecessary fuss:

• 2 Membership Rewards points per $1 on eligible spend: Whether you’re grabbing your morning coffee, stocking up on groceries, filling the car, or enjoying a night out, your points add up fast. And and 0.5 points per $1 spent with government bodies. These points can be redeemed for travel, gift cards, statement credits, or shopping with partner brands — so your everyday spend goes further.
• $400 annual travel credit: Every year, you’ll score a $400 credit to use via Amex Travel on flights, hotels, or car hire. It’s a simple way to make your next getaway or business trip more affordable, and it helps offset the card’s annual fee. This benefit can help offset the annual fee of $395, making it ideal for regular travellers.
• Complimentary travel insurance: Whenever you book and pay for eligible travel with your Explorer card, your insurance kicks in automatically. Cover includes medical emergencies, trip cancellations, lost or delayed baggage, and more so you can explore with confidence, whether you’re heading interstate or overseas.
• Lounge access: With the American Express Explorer Credit Card, you enjoy two complimentary entries per calendar year to The Centurion® Lounge at Sydney and Melbourne International Airports. This benefit ensures extra comfort and a premium experience before your flight, whether you’re traveling for business or leisure.
• The Hotel Collection: When booking at least two consecutive nights at participating hotels in The Hotel Collection, you receive up to US$100 in credit to spend on dining, spa services, or resort activities. You may also receive a room upgrade when available — perks that add value and enjoyment to every stay.
• Mobile wallet compatibility: The card works seamlessly with Apple Pay, Google Pay, and Samsung Pay, letting you tap and go with your phone or smartwatch. Perfect for those days you leave the wallet at home.

Additionally, the American Express Explorer Credit Card offers up to 55 days of interest-free purchases, giving you greater flexibility to manage your budget. This benefit applies from the transaction date until the statement due date, provided the full balance is paid off on time.

Requirements

To apply for the Explorer card, you’ll typically need to:

• Be 18 years or older.
• Be an Australian citizen, permanent resident, or hold a long-term visa (12+ months).
• Have a good credit history.
• Provide proof of stable income through payslips, tax returns, or other financial documents.

American Express Explorer Credit Card: pros and cons

Pros

• High earn rate on Membership Rewards points.
• Generous $400 annual travel credit.
• Strong suite of travel and purchase insurance covers.

Cons:

• Annual fee of $395 — though offset by the travel credit.
• Not accepted everywhere, particularly in small businesses outside metro areas.
• Higher interest rate — not ideal for those who carry a balance.

American Express Explorer Credit Card: fees and charges

Here’s what to expect in terms of costs:

• Annual fee: $395.
• Interest rate: 23.99% per year on purchases (after 55 days).
• Late payment fees: $30, applies if you miss the due date.

Target audience

The Amex Explorer Credit Card is well-suited for:

• Frequent travellers who’ll benefit from the travel credit and insurance.
• Professionals and families who want flexible rewards and premium service.
• Anyone who pays off their balance monthly and can fully utilise the card’s features.

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Step-by-step guide to apply for the card

Getting your hands on the Amex Explorer Credit Card is a smooth and straightforward process. Here’s how to do it:

• Visit the Amex Explorer Credit Card page: Start by exploring the official product page where you can review the card’s features, benefits, and terms in detail.
• Check the eligibility criteria: Make sure you meet the key requirements, such as being 18 or over, holding Australian citizenship or permanent residency (or a long-term visa), having a good credit history, and showing proof of stable income.
• Click “Apply now” and fill in the secure online form: The application form is straightforward and user-friendly. You’ll be asked for personal details, contact information, employment history, and income information.
• Upload supporting documents: Be ready to provide proof of identity (like your driver’s licence or passport) and evidence of your income, such as recent payslips or tax returns.
• Submit your application: Once everything’s completed, hit submit. In many cases, Amex provides a decision within minutes, but sometimes it may take a few business days if further checks are needed.
  Receive your card by mail: If approved, your card will be securely delivered to the address you provide within a few business days, ready for activation and use.

How to unlock the card

Once your card arrives:

• Log into your Amex online account or mobile app.
• Follow the steps under Activate Card.
• Alternatively, call the activation hotline listed with your card pack.
• Once activated, you can link the card to your mobile wallet and start spending straight away.

Customer service

Amex is known for top-notch customer care. You can reach them via:

• Phone: 1300 364 931 from Australia​, +612 9271 4110 from overseas​.
• Card contact number: 1800 059 388 (Australia). +612 9271 4011 (Overseas).
• Online chat: Available via the Amex Australia website during business hours.
• Help centre: Amex Contact Us page.

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A premium card that delivers real value

The American Express Explorer Credit Card strikes the perfect balance between premium benefits and everyday usability.

With generous rewards, valuable travel credits, strong insurance cover, and access to exclusive experiences, it’s a smart choice for Australians who want their spending to work harder.

Backed by the trusted service and security of Amex, this card helps turn ordinary purchases into something more, whether that’s a future getaway, a special event, or simply peace of mind.

If you’re ready to enjoy a credit card that offers real valeu without unnecessary complexity, the Explorer could be your next great financial companion.