American Express - The American Express Explorer Credit Card

The American Express Explorer card offers a purchase rate of 23.99% p.a. It has an earn rate of 2 points per $1 spent. This rate does not apply to purchases made with government bodies, where the rate is 1 point per dollar spent. Up to 4 extra cardholders can be added for $0.

Compare Travel CardsProduct Image For American Express - The American Express Explorer Credit Card
Receive 50,000 Bonus Membership Rewards Points when you apply online, are approved and spend $4,000 on your new card within the first 3
months. T&Cs apply. New Card Members only
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Annual Fee

$395 per year

Purchase Rate

23.99% p.a.

Interest Free Period

up to 55 days

Rewards Rate One

2 point(s) per AUD$1 On spent on purchases excluding government bodies in Australia
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Details

Card Type
American Express
Minimum Repayment
2.50% or $30
per statement, whichever is greater
Interest Free Period
up to 55
days
Minimum Credit Limit
$3,000
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Fees

Annual Fee
$395
per year
Late Payment Fee
$30
per statement
Additional Card Holder Fee
$0
Additional Card Holder Cap
up to 4
additional holders
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Rates

Purchase Rate
23.99% p.a.
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Overseas Spending

Foreign Currency Conversion Fee
3%
per transaction
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Eligibility

Minimum Age
18
years old
Temporary Residents
Yes
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Rewards

Program
Membership Rewards
Types
Airline partner points, Gift cards, Domestic and International flights, Hotels or Car hire
Bonus
50,000 bonus points
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Reward Rates

Rewards Rate One
2 point(s) per AUD$1
On spent on purchases excluding government bodies in Australia
Rewards Rate Two
1 point(s) per AUD$1
On spent at government bodies in Australia
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Perks

Complimentary Travel Insurance
Yes
Airport Lounge Access
Yes
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Who is the product designed for?

The Target Market forthis credit card are consumers who:

  • want to make purchases on credit with the ability to earn Membership Rewards points and access travel and insurance benefits
  • earn a sufficient income to enable them to pay their outgoings and living expenses, in addition to their card repayments each month without experiencing financial hardship
  • are willing and able to pay an interest rate of 23.99% p.a. and an annual fee of $395.
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