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.

Cards are offered, issued, and administered by American Express Australia Limited ABN 92 108 952 085, Australian Credit Licence No. 291313.

American Express income and credit approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 24 January 2024 and are subject to change. Applicants must be 18 years of age or over to apply for the American Express Explorer Credit Card. They must be an Australian Citizen or permanent resident or hold a long term visa. Long term means 12 months or more and does not include a student visa.

1. Subject to the Terms and Conditions of the Membership Rewards Gateway program available at membershiprewards.com.au. You must be a member of the airline partner program, joining fees may apply and points transferred will be subject to the terms and conditions of the applicable airline partner program.
2. Subject to the Terms and Conditions of the Membership Rewards program available here. You will earn 1 point per dollar spent with Merchants classified as ‘government’, including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies, including where you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant.
3. If your Card has a Travel Credit benefit, the Primary Card Member is eligible for an annual Travel Credit, subject to the full Travel Credit Terms and Conditions at amex.com.au/explorer-travelcreditterms. The Travel Credit can be redeemed through American Express Travel Online on a single eligible travel booking by selecting the Travel Credit when you checkout. To redeem the Travel Credit, the full value of the Travel Credit (or more) must be charged to the eligible Primary Card. Eligible travel includes flights, hotels and car hire when you prepay in advance. The Travel Credit can be used for 365 days from the benefit anniversary date and cannot be used past the expiration date. To check the expiration date of your Travel Credit if you have not already redeemed it, please visit americanexpress.com.au/travel; log in and click ‘Travel Credit’. If your booking is cancelled, and your Travel Credit has already been used and associated statement credit applied to your account, you will forfeit your annual Travel Credit benefit and American Express may reverse the statement credits issued. You need to be able to spend on the Card to access the Travel Credit benefit and it should be credited to your Card Account within 3 business days but may take up to 30 days. Your account must be in good standing and you must have paid the annual fee and minimum payment by the due date. If you cancel your Card, change your rewards program or Card type, you will no longer be eligible for the Travel Credit.
4. The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Explorer Credit Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Explorer Credit Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
5. 75,000 Bonus Membership Rewards® Points are only available to new American Express Card Members who apply online by 19 May 2026, are approved and spend $4,000 or more on eligible purchases on your new Card in the first 3 months from the Card approval date. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Please allow 8-10 weeks for the bonus points to be credited to your Account after the spend criteria has been met. Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the past 18 months are ineligible for this offer. The American Express Explorer® Credit Card has an Annual Card Fee of $395. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.
6. The Hotel Collection (THC) benefits are available for new bookings of two consecutive nights or more, with participating properties, made through Platinum Travel Service, Centurion Travel Service or American Express Travel Online. Bookings are valid only for eligible Card Members of the following American Express Cards: American Express® Rewards Advantage Card, American Express® Explorer Credit Card, American Express® Platinum Reserve Credit Card, American Express® Gold Card, American Express® Gold Business Card, American Express® Business Gold Plus Card, American Express® Platinum Card, American Express® Platinum Business Card and American Express® Centurion Card. Excludes Gold Credit Card Members who are not also Australian Rewards Advantage, Gold or Platinum Charge Card Members. Bookings must be made using an eligible Card and must be paid using that Card, or another American Express® Card, in the eligible Card Member’s name, and that Card Member must be travelling on the itinerary booked to be eligible for benefits described. Noon check-in, late check-out and the room upgrade are subject to availability; certain room categories are not eligible for upgrade. The type of US$100 credit and additional amenity (if applicable) varies by property; the US$100 credit will be applied to eligible charges up to US$100. To receive the US$100 credit, the eligible spend must be charged to your hotel room. The US$100 credit will be applied at check-out. Advance reservations are recommended for certain credits. Benefit restrictions vary by property. Benefits are applied per room, per stay (with a three-room limit per stay). Back-to-back stays booked by a single Card Member, Card Members staying in the same room or Card Members traveling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional THC benefits (“Prohibited Action”). American Express and the Property reserve the right to modify or revoke the THC benefits at any time without notice if we or they determine, in our or their sole discretion, that you have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your THC benefits. Benefits cannot be redeemed for cash and are not combinable with other offers unless indicated. Benefits must be used during the stay booked. Any credits applicable are applied at check-out in US Dollars or the local currency equivalent. Benefits, participating properties, and availability and amenities at those properties are subject to change. To be eligible for THC program benefits, your eligible Card Account must not be cancelled. For additional information, call the number on the back of your Card.
7. Additional Card Members must be 16 years of age or over. The Primary Card Member will be liable to pay for all transactions made by Additional Card Members. Earning of points is subject to the terms and conditions of the Rewards Program the Primary Card Member is actively enrolled. All points earned on Additional Card Member spend will go to the Primary Card Members Account. The Primary Card Member cannot add an Additional Card under their own name or email address and cannot add an Additional card under the name or email address of a previously approved Additional Card application on the Account.
8. Entry into The Centurion^® Lounge is governed by the full Terms and Conditions available at amex.com.au/airportlounge. All entrants must adhere to the General Conditions of Entry. American Express Explorer Card Members are entitled to a total of two (2) entries into The Centurion^® Lounges in Australia per calendar year (1 January to 31 December). Complimentary access is available for the Card Member’s children 17 years and younger. Card Members wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member’s American Express Card.
9. You will have up to 55 days interest free on purchases provided you pay the full closing balance of your monthly statement by the due date each month. There is no interest free period on balance transfers or if you carry forward a balance from the previous statement period. The total of interest free days will depend on when you make the purchase and when your statement is issued.
10. You can create an Instalment Plan as long as your account is in good standing. We may limit the amount that can be transferred to an Instalment Plan. Each Instalment Plan will begin from the date it is successfully created, as communicated to you in your Online Account. Payment of your first Monthly Instalment will be due in your next payment cycle. You will be charged a Monthly Plan Fee for each Instalment Plan created. This fee will be charged each month your Instalment Plan is active and will be notified to you before you create the Instalment Plan. View the full Plan It Instalments Terms and Conditions here.

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.

Cards are offered, issued, and administered by American Express Australia Limited ABN 92 108 952 085, Australian Credit Licence No. 291313.

American Express income and credit approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 4 September 2024 and are subject to change. Applicants must be 18 years of age or over to apply for the American Express Velocity Platinum Card. They must be an Australian Citizen or permanent resident or hold a long term visa. Long term means 12 months or more and does not include a student visa.

1. To earn up to 100,000 bonus Velocity Points you must apply online by 30 April 2026, be approved, and meet the following criteria – You’ll receive 70,000 bonus Velocity Points when you spend $5,000 or more on eligible purchases on your new Card in the first 3 months from the Card approval date. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. To receive an additional 30,000 bonus Velocity Points, you need to remain on the American Express Velocity Platinum Card after the first year and spend a minimum of $1 on the Card within 90 days of paying the second year annual Card fee. Please allow 8-10 weeks after the spend criteria has been met and the second year annual Card fee has been paid for the bonus points to be credited to your Account. The additional 30,000 bonus Velocity Points will still be awarded after fee renewal even if you did not meet the $5,000 minimum spend criteria to receive the 70,000 bonus Velocity Points in the first year of membership. This offer is only available to new American Express Card Members.  Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the past 18 months are ineligible for this offer. Velocity Points are earned in accordance with the American Express Velocity Cards Points Terms and Conditions available here and are subject to the Terms and Conditions of the Velocity Frequent Flyer program available here. $440 Annual Card Fee applies. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. 

2.  Virgin Australia Lounge Access: The American Express Velocity Platinum Card Virgin Australia Lounge Access is subject to the American Express Velocity Platinum Card Benefits Terms and Conditions. The Virgin Australia Lounge Access provides the Primary Card Member with access to Virgin Australia lounges at Australian domestic airports whenever they are flying on a Virgin Australia operated domestic flight on the same day. To qualify for Virgin Australia Lounge Access, your Card Account with American Express must be in good standing. American Express Velocity Platinum Primary Card Members will receive 12 months of lounge access on your Velocity membership. Enrol via your online American Express Account. This is your benefit anniversary date. After enrolling, activate the VA Lounge Access by making an Eligible Transaction on your American Express Velocity Platinum Card. Eligible Transaction does not include annual Card fees, cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. After 12 months, at each subsequent benefit anniversary, make an Eligible Transaction on your Velocity Platinum Card to reactivate the VA Lounge Access. Please allow up to 7 days for the benefit to be processed on to the Primary Card Member’s Velocity membership. The Primary Card Member must provide their Velocity Frequent Flyer membership details to Virgin Australia lounge staff and present same day boarding pass on a Virgin Australia flight. Additional Card Members are not eligible. Virgin Australia lounge access is subject to space availability. Virgin Australia lounge is owned and operated by Virgin Australia Airlines Pty. Ltd. in selected domestic airports in accordance with Virgin Australia lounge Terms and Conditions, available at virginaustralia.com/lounge and as amended from time to time.

3. Complimentary Domestic Return Virgin Australia Flight: The complimentary domestic economy Virgin Australia return flight is only available between selected Australian cities and is available for booking by American Express Velocity Platinum Primary Card Members each year after the anniversary of your Card Membership. All flights are subject to availability and neither Virgin Australia nor American Express guarantees that seats or tickets will be available on the dates or at the times you may wish to fly. Seat availability may be limited to certain dates and/or flights and it may be more difficult to book seats around public holidays, school holidays or special events. Some flights may not have any seats available for redemption. Route availability is subject to change without notice. All travel is subject to the American Express Velocity Platinum Card Benefits Terms and Conditions available here and travel is subject to Virgin Australia Conditions of Carriage available at Conditionsofcarriage/VirginAustralia.com.

4. Velocity Frequent Flyer Status Credits are subject to the American Express Velocity Platinum Card Benefits Terms and Conditions. 50 Velocity Frequent Flyer Status Credits will be awarded when you spend $25,000 on Eligible Spend within your membership year, and a further 50 Status Credits when you spend another $25,000 on Eligible Spend within the same Membership year. Membership year is defined as commencing upon Card activation and renews on the day of your Card activation each subsequent year. Eligible Spend does not include Card fees and charges, for example annual fees, interest, late or dishonoured payments, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Please allow up to 2 weeks after you meet the minimum spend requirement for the Status Credits to be credited to your Velocity account. In addition to the Status Credits earned with this American Express Velocity Platinum Card offer, to upgrade or maintain membership status, Velocity members must earn a percentage of their Status Credits on eligible Virgin Australia marketed and/or operated flights, flown by the member. To find out more about Status Credits and the amount of Status Credits required to be earned on eligible Virgin Australia marketed and/or operated flights, flown by the member for Velocity membership levels please visit velocityfrequentflyer.com/the-basics/status.

5. As long as your Account remains current and in good standing and you must be a member of the Velocity Frequent Flyer program to earn and redeem Velocity Points. Velocity Points are earned in accordance with the American Express Velocity Cards Points Terms and Conditions available at americanexpress.com.au/VelocityPointsTerms, and are subject to the Terms and Conditions of the Velocity Frequent Flyer program available at experience.velocityfrequentflyer.com/member-support/terms-conditions. Exclusions apply. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment fees, cash advances, balance transfers, fees for traveller’s cheques and foreign currency conversion. These do not earn Velocity Points. For the full list of exclusions, please refer to the American Express Velocity Cards Points Terms and Conditions. Certain transactions will earn 0.5 points per dollar with Merchants classified as; government, including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example, a payment made to local government bodies processed through payment aggregator may earn rates at the government earn rate. Velocity Points earned on Virgin Australia spend are only valid for purchases made in Australia.

6. As long as your account remains current and in good standing.

7. Virgin Australia Guest Lounge Passes are subject to the American Express Velocity Platinum Card Benefits Terms and Conditions. Two single entry passes to the Virgin Australia lounge will be activated on the Primary Card Member’s Velocity Frequent Flyer membership account annually, on or after each anniversary of membership. Additional Card members are not eligible. Complimentary single entry Virgin Australia Guest Lounge Passes are not transferable, but may be used to enable other people (who are travelling with the Primary Card Member) to gain access to the lounge. The Virgin Australia lounge is operated by Virgin Australia Airlines Pty. Ltd. in selected domestic airports in accordance with the Virgin Australia Lounge Terms and Conditions, available at virginaustralia.com/lounge and as amended from time to time. Visit the Virgin Australia website for up-to-date information on Virgin Australia’s Lounge network.

8. The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Velocity Platinum Credit Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Velocity Platinum Credit Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.

9. Additional Card Members must be 16 years of age or over. The Primary Card Member will be liable to pay for all transactions made by Additional Card Members. Earning of points is subject to the terms and conditions of the Rewards Program the Primary Card Member is actively enrolled. All points earned on Additional Card Member spend will go to the Primary Card Members Account. The Primary Card Member cannot add an Additional Card under their own name or email address and cannot add an Additional card under the name or email address of a previously approved Additional Card application on the Account.

10. You will have up to 55 days interest free on purchases provided you pay the full closing balance of your monthly statement by the due date each month. There is no interest free period on balance transfers or if you carry forward a balance from the previous statement period. The total of interest free days will depend on when you make the purchase and when your statement is issued.

11. You can create an Instalment Plan as long as your account is in good standing. We may withdraw this offer, prevent you from creating any new Instalment Plans or cancel any of your existing Instalment Plan(s) at any time if your Card Account is overdue, or if you do not comply with your Card Conditions. The minimum Plan amount is AUD$100. We may also limit the amount that can be transferred to an Instalment Plan. You will be charged a Monthly Plan Fee for each Instalment Plan created (unless a promotional plan is available). This fee will be charged each month your Instalment Plan is active and will be disclosed to you at the time of creating your Instalment Plan. Each Instalment Plan will begin from the date it is successfully created, as communicated to you in your Online Account. Payment of your first Monthly Instalment will be due in your next payment cycle. You may request to cancel your Instalment Plan(s) at any time through your Online Account or the Amex App. Any billed Monthly Plan Fees will remain payable, but no further Monthly Plan Fees will be billed after cancellation is effective. As cancellation can take 24-48 hours to process (“Processing Time”), you may be charged a further monthly plan fee after requesting cancellation if the Processing Time occurs on your payment date. View the full Plan It® Instalment Terms and Conditions here. The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Velocity Platinum Credit Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Velocity Platinum Credit Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.