American Express Explorer Credit Card: best credit card for travel rewards
With this travel rewards credit card, eligible purchases earn 2 Membership Rewards points per dollar, helping turn everyday spending into future adventures.
Moreover, the American Express Explorer Credit Card provides $400 annual travel credit, two complimentary airport lounge entries and eligible travel insurance coverage.
Should I get a credit card from American Express Australia?
American Express Australia offers credit cards with rewards programs, digital account management and travel benefits, making it an established choice for Australian consumers.
However, choosing this premium credit card depends on your spending habits, since the $395 annual fee and 23.99% purchase interest rate deserve consideration.
How to get a credit card from American Express Australia?
To get the American Express Explorer Credit Card, you need to:
- Be at least 18 years old.
- Be an Australian citizen, permanent resident or eligible long-term visa holder.
- Have a good credit history with no payment defaults.
- Agree to receive and access statements online.
- Provide details of your income, expenses and existing debts.
- Have proof of income available, such as recent payslips.
- Provide your Australian driver’s licence number, if applicable.
Apply for credit card
Applying for the American Express Explorer Credit Card is straightforward, with an online credit card application designed to take less than 10 minutes.
Follow these steps to get started:
- Visit the official American Express Australia website.
- Find the American Express Explorer Credit Card.
- Review the annual fee, interest rate, rewards and eligibility requirements.
- Select the online application option.
- Enter your personal details and financial information.
- Indicate your preferred credit limit, if desired.
- Provide any requested supporting documentation.
- Review the credit card terms and submit your application.
- Wait for American Express to assess your application and communicate its decision.
FAQ
How does American Express Explorer Credit Card interest work?
The American Express Explorer Credit Card charges 23.99% p.a. on purchases, with up to 55 interest-free days available when applicable conditions are met.
Paying your closing balance in full by the due date can help you avoid purchase interest charges.
How can I increase my American Express Explorer Credit Card limit?
You can request a credit limit increase through your American Express Online Account or by contacting the issuer.
Approval depends on your financial circumstances, repayment history and credit assessment. Additional income documentation and a credit check may be required.
How do I pay off my American Express Explorer Credit Card?
You can manage your credit card repayments through American Express Australia’s available payment channels, including online account services.
Alternatively, eligible purchases can be split into Plan It instalments, which have no interest but include a fixed monthly fee.
How do I cancel a credit card from American Express Australia?
Contact American Express Australia through its official customer service channels to request cancellation and confirm any outstanding balance.
Before closing your credit card account, check unused Membership Rewards points and travel credit benefits, as cancellation may affect their availability.