American Express Explorer® Credit Card

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Airmiles Travel

as low as $ 1.68 per mile

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With the registered card, earn as low as HK$1.68 = 1 mile on foreign currency spending, airline purchases, and transactions made on designated travel websites.

Local Spending During Welcome Period

$ 3 per mile

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During the first 3 months of the welcome period, earn 6 points for every HK$1 spent on local transactions (equivalent to HK$3 = 1 mile)

Complimentary Access To Airport Lounges

8 times

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Access to Plaza Premium Lounge facilities or the Intervals Bar located in Hong Kong International Airport

Airmiles Selected Everyday Dining

as low as $ 3.6 per mile

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Earn 5 points per HK$1 spent at designated online and dining merchants (Netflix, foodpanda, keeta, bakehouse), equivalent to HK$3.6 = 1 mile

Annual Fee

HK$ 2,200

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First-year annual fee waiver; the annual fee for subsequent years will be automatically waived upon accumulating HK$150,000 in spending each year.

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American Express Explorer® Credit Card Highlights

Airmiles Travel

as low as $ 1.68 per mile

info

With the registered card, earn as low as HK$1.68 = 1 mile on foreign currency spending, airline purchases, and transactions made on designated travel websites.

Local Spending During Welcome Period

$ 3 per mile

info

During the first 3 months of the welcome period, earn 6 points for every HK$1 spent on local transactions (equivalent to HK$3 = 1 mile)

Complimentary Access To Airport Lounges

8 times

info

Access to Plaza Premium Lounge facilities or the Intervals Bar located in Hong Kong International Airport

Airmiles Selected Everyday Dining

as low as $ 3.6 per mile

info

Earn 5 points per HK$1 spent at designated online and dining merchants (Netflix, foodpanda, keeta, bakehouse), equivalent to HK$3.6 = 1 mile

Annual Fee

HK$ 2,200

info

First-year annual fee waiver; the annual fee for subsequent years will be automatically waived upon accumulating HK$150,000 in spending each year.

5 Offers Available

Welcome Offer - Earn up to 72,000 miles (1,296,000 AMEX Points)!

AMEX.EXPLORER.WELCOME-OFFER-1,296,000-AMEX.POINTS Welcome Offer - Earn up to 72,000 miles

Promotion Period：01 January 2026 - 31 January 2026 (both days inclusive)

First Transaction Bonus
18,000 points upon successful application and first transaction made in the first 3 months
Welcome Bonus
126,000 points upon HK$7,000 spending in the first 3 months
Local Spending Bonus HK$1=6 Points
1,152,000 points earn 6X points for eligible local spending within first 3 months

*Welcome Offer terms and conditions

Waived the Cross Border Fee (CBF), on spending at Amazon, Netflix, Uber, and etc

0% Cross Border Fee

Waived the Cross Border Fee (CBF), on spending at Amazon, Netflix, Uber, and etc

Waived the Cross Border Fee (CBF), on spending at Amazon, Netflix, Uber, and etc.

Flexible points redemption

0% admin fee

Redeem your points with no handling fees for airline miles, cash vouchers, Pay with Points, hotel loyalty points, or lifestyle rewards.

Enjoy complimentary access to Intervals Bar and Plaza Premium Lounges worldwide

Free Airport Lounge Access

Enjoy complimentary access to Intervals Bar and Plaza Premium Lounges worldwide

Based on a maximum of two annual-fee-free supplementary credit cards per American Express Explorer Card account. In each calendar year, upon reaching the specified amount of cumulative eligible spending on the Card Member account, each account may enjoy up to a total of 12 complimentary benefits.

Things to consider when choosing this card:

Things to consider

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Enjoy up to 12 complimentary airport lounge visits (also applicable to supplementary cardmembers).^

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A travel essential! Includes travel insurance and discounts on travel platform spending.

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Earn miles fast! Points never expire and can be redeemed for miles with no handling fees.

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Shopping protection includes return guarantee, 45-day purchase protection, extended warranty, and price protection.

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American Express Explorer® Credit Card Benefits

Cashback

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Cashback Local

2 %

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(i) Welcome offer for the first 3 months, local spending: HK$1 = 6 points

flight

Cashback Overseas

1.25 %

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(i) With the registered card, foreign currency spending, airline purchases, and transactions on designated travel websites earn HK$1 = 10.75 points (3.5% cash rebate).

luggage

Cashback Travel

1.67 %

restaurant

Cashback Dining

1.67 %

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Spending HK$1 on daily consumption websites (Foodpanda, Deliveroo, etc.) = 5 Points, 1.67% Cash Rebate

shopping_cart

Cashback Supermarket

1.67 %

orders

Cashback Online Food Delivery

1.67 %

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Spending HK$1 on daily consumption websites (Foodpanda, Deliveroo, etc.) = 5 Points, 1.67% Cash Rebate

shopping_bag

Cashback Local Online Shopping

1.67 %

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Cashback Overseas Online Shopping

1.67 %

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Airmiles

flight

Airmiles Overseas

As Low as $ 1.68 per mile

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Local Spending During Welcome Period

$ 3 per mile

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During the first 3 months of the welcome period, earn 6 points for every HK$1 spent on local transactions (equivalent to HK$3 = 1 mile)

restaurant

Airmiles Selected Everyday Dining

as low as $ 3.6 per mile

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Earn 5 points per HK$1 spent at designated online and dining merchants (Netflix, foodpanda, keeta, bakehouse), equivalent to HK$3.6 = 1 mile

shopping_bag

Airmiles Overseas Online Shopping

$ 3.6 per mile

shopping_bag

Airmiles Local Online Shopping

$ 3.6 per mile

luggage

Airmiles Travel

as low as $ 1.68 per mile

info

With the registered card, earn as low as HK$1.68 = 1 mile on foreign currency spending, airline purchases, and transactions made on designated travel websites.

Airmiles Local

as low as $ 3 per mile

info

Spending HK$1 on daily consumption websites (Foodpanda, Deliveroo, etc.) = 5 Points, 3.6/mile

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Additional benefits

airlines

Complimentary Access To Airport Lounges

8 times

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Access to Plaza Premium Lounge facilities or the Intervals Bar located in Hong Kong International Airport

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American Express Explorer® Credit Card Eligibility

Eligibility

Minimum Age

18 years old

Min. Annual Income

HK$ 300,000

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American Express Explorer® Credit Card Fees / Repayment

Fees

Annual fee waiver

First year waiver

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The annual fee will be automatically waived each year upon accumulating HK$150,000 in spending.

Annual Fee

HK$ 2,200

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First-year annual fee waiver; the annual fee for subsequent years will be automatically waived upon accumulating HK$150,000 in spending each year.

Foreign Currency Transaction Fee

2 %

Repayment

Minimum Payment

Highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$300, plus any overdue minimum payments and any amount exceeding your credit limit.

Late Payment Charge

5 %

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5% of the outstanding minimum payment due (The maximum Late Payment Fee is HK$350 and the minimum Late Payment Fee is HK$300. However, the Late Payment Fee will not exceed the minimum payment due.)

Retail Purchase APR

35.96 %

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American Express Explorer® Credit Card Others Info

Association

American Express

American Express Explorer® Credit Card

American Express Explorer® Credit Card Highlights

Things to consider when choosing this card:

Things to consider

American Express Explorer® Credit Card Benefits

Cashback

Airmiles

Additional benefits

American Express Explorer® Credit Card Eligibility

Eligibility

American Express Explorer® Credit Card Fees / Repayment

Fees

Repayment

American Express Explorer® Credit Card Others Info

Association

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