American Express Explorer® Credit Card

American Express Explorer® Credit Card

Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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American Express Explorer® Credit Card Highlights

Airmiles Travel
as low as $ 1.68  per mile
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Local Spending During Welcome Period
$ 3  per mile
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Complimentary Access To Airport Lounges
12  times
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Airmiles Selected Everyday Dining
as low as $ 3.6  per mile
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Annual Fee
HK$ 2,200
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8 Offers Available
up to 72,000 miles + HK$200 Statement Credit (Limited-Time Welcome Offer)
Limited-Time Welcome Offer – up to 72,000 miles + HK$200 Statement Credit
up to 72,000 miles + HK$200 Statement Credit (Limited-Time Welcome Offer)

Promotion Period: 18 March 2026 – 31 March 2026 (inclusive)

  • First Transaction Bonus

    HK$200 Statement Credit upon successful application and first transaction made in the first 3 months

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    Welcome Spending Reward

    Earn 144,000 MR Points when you accumulate HK$8,000 in spending within the first 3 months
    (equivalent to 8,000 miles or HK$480).

  • Accelerated Local Spending Rewards

    Earn 6X MR Points for every HK$1 spent locally within the first 3 months.
    Maximum rewards up to 1,152,000 MR Points
    (equivalent to 64,000 miles or HK$3,840).

    *Terms and conditions apply.
HK$50 Rebate upon Your First Octopus Top-Up of HK$600 or Above
HK$50 Rebate upon Your First Octopus Top-Up of HK$600 or Above
HK$50 Rebate upon Your First Octopus Top-Up of HK$600 or Above

Promotion Period: 2 March 2026 – 31 March 2026 (inclusive)

  • Limited-Time First 3 Months Offer

    HK$50 Rebate on Octopus Top-Up
    Enjoy a HK$50 rebate upon making a single Octopus top-up of HK$600 or above using your iPhone, Apple Watch, or Android device within the first 3 months.

    *Terms and conditions apply. 
Waived the Cross Border Fee (CBF), on spending at Amazon, Netflix, Uber, Airbnb and etc.
0% Cross Border Fee
Waived the Cross Border Fee (CBF), on spending at Amazon, Netflix, Uber, Airbnb and etc.

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

0% admin fee
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.

 

Overseas Spend as low as HK$1.68 = 1 mile (Up to 10.75X Membership Rewards points)
Explorer Overseas & Travel Spend Offer
Overseas Spend as low as HK$1.68 = 1 mile (Up to 10.75X Membership Rewards points)
  • Promotion Period: 02 January 2026 - 30 June 2026 (both days inclusive)
  • Offer Details: Enjoy up to 10.75X American Express Membership Rewards points when spending overseas, with airlines, and on designated travel websites using the American Express Explorer® Credit Card. Redeem miles at a rate as low as HK$1.68 = 1 mile.
    • Basic Membership Rewards points：3X Membership Rewards points
    • Offer 1：0.75X Additional Bonusing
    • Offer 2：7X Additional Bonusing
      • Offer 1 No minimum spending requirements set
      • Offer 2 for every HK$1 equivalent spent in the first HK$10,000 (or equivalent) in foreign currencies transactions each calendar quarter; and every HK$1 equivalent spent in the first HK$10,000 in airlines or selected online travel merchants

         

  • Click Here for details and enroll
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.

Enjoy up to 15% savings at selected restaurants
Luxury Hotel Privileges
Enjoy up to 15% savings at selected restaurants

From now until December 31, 2026, with American Express Explorer® Credit Card, you can enjoy up to 15% savings* at selected restaurants of the following renowned hotels such as Grand Hyatt Steakhouse and Grissini Italian Restaurant.

(More details)

 

Up to HK$90 Alipay Rebate
[2026 Alipay Spending Offer]
Up to HK$90 Alipay Rebate

Use a registered American Express Card and, for every accumulated net spend of HK$300 or more per calendar month, earn HK$15 statement rebate. During the promotion period, this reward is limited to once per calendar month, up to a maximum of 6 times, for a total rebate of up to HK$90.

Terms & Conditions:

  • Promotion period: Now until 30 June 2026.
  • Eligible American Express Cards must be linked to Alipay (Mainland China wallet) and successfully registered.
  • During the promotion period, make purchases in RMB via the registered card on Alipay.
  • For every HK$300 accumulated net spend per calendar month, cardholders earn HK$15 statement rebate.
  • Reward is limited to once per calendar month, up to a total of 6 months, with a maximum total rebate of HK$90.

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
Up to 2  %
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flight
Cashback Overseas
3  %
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luggage
Cashback Travel
1.67  %
restaurant
Cashback Dining
1.67  %
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shopping_cart
Cashback Supermarket
1.67  %
orders
Cashback Online Food Delivery
1.67  %
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shopping_bag
Cashback Local Online Shopping
1.67  %
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Cashback Overseas Online Shopping
1.67  %

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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restaurant
Airmiles Selected Everyday Dining
as low as $ 3.6  per mile
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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
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Airmiles Local
as low as $ 3  per mile
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Additional benefits

airlines
Complimentary Access To Airport Lounges
12  times
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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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Annual Fee
HK$ 2,200
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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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Retail Purchase APR
35.96  %
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American Express Explorer® Credit Card Others Info

Association

American Express

Tags

American Express Explorer® Credit Card American Express Explorer® Credit Card

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