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The Explorer Credit Card is one of the most rewarding cards on the market, letting you earn flexible points that can be transferred to nine airlines, used to pay for purchases, or redeemed for other rewards.

There’s also a strong points earn rate on spend, an annual $400 Travel Credit that fully offsets the card fee, and many other travel and lifestyle benefits.

Right now, new Card Members can pick up 100,000 bonus Membership Rewards points when you apply online via our Amex partner link, are approved and spend $4,000 on your new card in the first 3 months. Those points could pay for $500 of purchases on your account or be converted to 50,000 frequent flyer points with multiple airlines.

Here’s an overview of all the perks you can enjoy.

1. Receive a strong points earn rate on spend

The card rewards program, Membership Rewards, has a stellar reputation among loyalty program experts and is our favourite for earning and spending points.

Card Members earn a very strong 2 Membership Rewards points per $1 spent on purchases (1 point per $1 spent with government bodies), which is uncapped.

In addition, as part of Amex’s current Shop Small promotion, you can earn an extra 3 points per $1 spent with small merchants until 31 March 2022, up to 40,000 extra points. Simply save the “Shop Small” offer via the Amex app or online when you receive your card.

Hundreds of thousands of merchants accept Amex in Australia, and that number is growing, so there’s no shortage of places where you can earn points with this card.

2. Redeem your points for flexible rewards

What we especially love about Membership Rewards points is that they are easy to spend on a variety of rewards. You can use them to pay for card purchases, shop with David Jones, buy a range of gift cards, or pay for travel with American Express Travel. With these redemptions, you get $50 of value per 10,000 points redeemed – which is excellent value.

You can also transfer Membership Rewards points to two hotel loyalty programs (Marriott Bonvoy and Hilton Honors) and 9 airline frequent flyer programs. These include:

  • Virgin Australia Velocity Frequent Flyer
  • Cathay Pacific Asia Miles (can be used to book Qantas flights)
  • Singapore Airlines KrisFlyer
  • Emirates Skywards
  • Etihad Guest
  • Malaysian Airlines Enrich
  • Thai Airways Royal Orchid Plus
  • Virgin Atlantic Flying Club
  • Air New Zealand Airpoints.

If you like to use points for air travel, the big advantage of earning Membership Rewards points (over Qantas or Velocity Points) is that you’re not locked into any single airline frequent flyer program, rather you accumulate Membership Rewards points until you’re ready to transfer them to a partner airline.

Use your points to fly with top airlines like Singapore Airlines

Having so many airlines to choose from means it can be much easier to find award seats when the time comes to book, especially if you want to fly in a sought-after business or first class cabin.

2 Membership Rewards points convert to 1 airline frequent flyer point with all partner airlines except Air New Zealand, where 200 Membership Rewards points converts to 1 Airpoints Dollar.

3. Enjoy a $400 Travel Credit each year

At the start of each card membership year, you’ll receive a $400 Travel Credit that you can redeem for flights, hotels, car hire or unique experiences in Australia or overseas.

It’s very easy to redeem the travel credit online via American Express Travel and you can use it to book something for yourself or anyone you choose.

Since you receive the travel credit every year, it effectively offsets the card’s $395 annual fee.

4. Get up to US$100 in hotel credits and room upgrades

Amex’s Hotel Collection includes more than 600 hotels and resorts in over 30 countries worldwide, including from trusted brands like Hyatt and Hilton.

Every time you book two or more consecutive nights’ stay at one of these properties with your Explorer card, you’ll receive:

  • a hotel credit of up to US$100 for qualifying charges – typically dining, spa, golf or other hotel facility-related charges (but not the room rate, taxes or fees)
  • a complimentary room upgrade at check-in (subject to availability).

Enjoy benefits at hotels like Hyatt

These complimentary extras can add a lot of value to your stays, and there’s no limit on how many times you can use this benefit.

5. Save money with a range of valuable insurance covers

You’ll receive complimentary travel insurance cover for you, your partner and dependent children when you pay for a return trip with your card, the Travel Credit or Membership Rewards points. The cover is comprehensive and includes medical, trip cancellation, travel delay and baggage-related costs, as well as many other expenses.

You’ll also receive smartphone screen insurance when you pay for your phone or monthly contract with your card, with $500 available for repairs up to 2 times every 12 months (with a 10% excess).

And for good measure, you’ll also get refund and purchase protection and extended warranties for eligible purchases made using your card.

The T&Cs for these insurance policies can be viewed here.

6. Earn more points, save money and enjoy other lifestyle benefits

There are so many other perks to enjoy with this card, including:

  • up to 4 free additional cards for family members or friends – an easy way to earn points faster
  • two entries each year to the exclusive American Express Lounge at Sydney Airport international or Melbourne Airport international (children under the age of 17 get in for free)
  • complimentary 12-month subscription to Chris Hemsworth’s health and fitness app Centr (worth $119.99 – join here by 14 Feb 2022)
  • Hilton Honors Silver Status – earn 20% bonus points on stays and receive every 5th night free on Standard Room Reward stays of 5 nights or more (enrol here)
  • up to 55 days interest-free on purchases (the interest rate thereafter is 20.74%)
  • ‘buy now, pay later’ with American Express Plan It™ Instalments: pay off your card balance in equal monthly instalments with 0% interest and a fixed monthly fee
  • use your card with Apple Pay, Google Pay or Samsung Pay
  • Amex Offers: save money with regular discount offers with top brands
  • American Express Experiences: access sought-after events like music, theatre and film, including via pre-sale tickets, and enjoy exclusive lounges at selected events.

Plus 100,000 bonus points

Receive 100,000 bonus Membership Rewards points when you apply online via our partner link, are approved and spend $4,000 on your new card within the first 3 months (new Card Members only).

This offer is only available to new American Express Card Members. That means you must not have held a card issued directly by American Express Australia in the last 18 months. However, you are still eligible for this offer if you’ve held an Amex card issued by a bank (i.e. Westpac, ANZ, CBA or NAB) or if you’re an additional Card Member on someone else’s account.

The minimum income to qualify is $65,000 per annum.

Don’t miss this opportunity to pick up a top-quality card and a swag of bonus points.

To read more and apply on Amex’s website, click here (mobile friendly).

 
 
Important: This article is not intended to suggest that you should apply for a card. You should seek independent, professional advice and consider your personal circumstances before deciding to apply for a card.

If you apply for a card via a link in this article, we may receive a commission from Amex. This income helps keep our site running, and we thank you for your support.

Read more in our Cards Disclosure.

American express explorer card