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The American Express Explorer Credit Card offers travellers a number of useful features, including the flexibility to transfer points to eight airlines and two hotel partners, a $400 annual travel credit, complimentary travel insurance and more.

You can also take advantage of a sign-up offer of 50,000 bonus points, which converts to 37,500 frequent flyer points with almost all partner airlines. (Point redemption rates will change as of 15 April 2019 – more information is below and on Amex’s website.)

Here’s an overview of the main card features, with more details and a mobile-friendly application form available here.

1. Enjoy a high points earn rate on spend

The card rewards program is called Membership Rewards Gateway (MRG).

You earn 2 MRG points per dollar spent everywhere except with government bodies, where the earn rate is 0.5 points per dollar spent (this will increase to 1 point per $1 spent from 15 April 2019).

2 MRG points converts to 1.5 frequent flyer points with almost all partner airlines right now. From 15 April 2019, this will drop to 1 frequent flyer point, but even then it will be a strong earn rate.

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 the card.

As a bonus, there’s no cap on the amount of points you can earn.

2. Take off with eight airline partners

The standout feature of MRG points is that they’re extremely flexible. You’re not locked into any single airline frequent flyer program (as occurs with earning Qantas or Velocity points), rather you accumulate MRG points until you’re ready to transfer them to a partner airline.

When the time comes to transfer points, you can choose from eight top-notch airline partners:

  • Virgin Australia Velocity Frequent Flyer
  • Singapore Airlines KrisFlyer
  • Emirates Skywards
  • Etihad Guest
  • Cathay Pacific Asia Miles
  • Malaysian Airlines Enrich
  • Thai Airways Royal Orchid Plus
  • Air New Zealand Airpoints.

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 on popular routes to Europe or North America.

Use your points to fly with Singapore Airlines and other leading carriers

As well as transferring points to airlines, there are many other ways to redeem them, such as transferring points to hotel partners, paying for bookings with the travel agencies Webjet, Helloworld Travel and Amex Travel, or obtaining credit on your card account to pay off other purchases.

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, experiences or car hire through Amex Travel.

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

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

4. New benefit: The Hotels Collection

Access to Amex’s Hotels Collection used to be restricted to holders of the ultra-high-end cards, but not anymore.

The 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 consecutive nights stay or more at one of these properties with your Amex Explorer Credit Card, you’ll receive:

  • up to US$75 hotel credit on qualifying charges: typically this will be dining, spa, golf or other hotel facilities (but not the room rate, taxes or fees)
  • a complimentary room upgrade at check-in, which of course is subject to availability.

These complimentary extras can add a lot of value to your hotel stays.

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 travel with your card or use MRG points to book.

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 are available here.

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

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

  • two entries each year to the exclusive American Express Lounge at Sydney Airport international or Melbourne Airport international
  • up to 4 free additional cards for family members over 18 years of age – an easy way for your household to earn points faster
  • up to 55 days interest-free on purchases (the interest rate thereafter is 20.74%)
  • a 0% p.a. balance transfer offer for 12 months with a one-off establishment fee of 1%
  • Amex Offers: save money with regular discount offers, like a $50 saving on Qantas flights and up to $50 back on spend with small merchants
  • Amex Invites: access sought-after events like music, theatre and film, including via pre-sale tickets, and enjoy exclusive lounges at selected events.

Plus 50,000 bonus points

Receive 50,000 Membership Rewards Bonus Points when you apply online, are approved and spend $3,000 on your new card within the first 3 months.

Here are two ways you can use those bonus points:

  • convert them to 37,500 airline frequent flyer points. That’s the bulk of what you need to fly from Australia to Hong Kong with Cathay Pacific in economy return (44,000 Asia Miles plus taxes) or one way in stylish business class (45,000 Asia Miles plus taxes)
  • alternatively, you can redeem the points for $371 of spend with Webjet, helloworld travel or Amex Travel, or as $371 worth of credit on your card account.

Use your points to fly Cathay Pacific business class

Remember, point redemption rates will change as of 15 April 2019 (read more on Amex’s website here), so consider redeeming or transferring your points before then.

To be eligible for this offer, you must not have held a credit card issued directly by Amex Australia in the last 18 months. However, you are eligible if:

  • you’ve held an Amex card issued by a bank (i.e. Westpac, ANZ, CBA or NAB), or
  • you’re an additional card member on someone else’s primary card account (including a corporate account).

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

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 credit card. You should seek independent, professional advice and consider your personal circumstances before deciding to apply for a credit card.

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

Read more in our Credit Cards Disclosure.

American express explorer card