American Express Explorer® Credit Card

• Earn Membership Rewards points when you spend with the Card. Enjoy as low as HK$2.25 = 1 mile on selected online everyday spend merchants.

  Local Currency Spend	Click Here and Register: Basic Points Reward:HK$1 = 3 points (HK$6/mile or 1% cash rebate) Welcome Offer Points Reward:HK$1 = 6 points (HK$3/mile or 2% cash rebate) [Extra] HK$1 = 3 points, HK$15,000 / Quarter
  Foreign Currency Spend	Click Here and Register: HK$1 = up to 10.75 Membership Rewards points (HK$1.68 = 1 mile） [Extra] HK$4 = 31 points, HK$10,000 / Quarter

  • Conversion rate is based on 30,000 points to redeem HK$100 cash vouchers/Pay with Points and 18 points to redeem 1 mile.

• No expiry dates for Membership Rewards points. You can transfer your points to redeem diversified rewards.

  • You can transfer your points into 7 air miles partners with no administration fee. Partners include Asia Miles, Avios, ANA, KrisFlyer and more. 
  • You can also redeem cash voucher, Pay with Points, Travel with Points, hotel points (Hilton Honors、Marriot Bonvoy), lifestyle gifts and more.

• Travel Privileges - take care of your travel needs

  • Complimentary lounge access: Basic and Supplementary Cardmember(s) of Explorer Credit Card can enjoy a total of up to 12 times complimentary lounge access every calendar year. Click here for details. 
  • Complimentary Travel Insurance: Pay for your entire fare for an overseas trip with the Card to enjoy complimentary travel insurance. Coverages include travel accident insurance with coverage up to HK$3.5 million and travel inconvenience protection with coverage up to HK$10,000 per year.

• Explorer Overseas & Travel Spend Offer

  • From now until December 31, 2026, earn as low as HK$3=1 Mile for HKD spending; earn as low as HK$1.68= Mile for foreign currency spending. There is no minimum spending requirement. Register now!

• Refer a friend after card approval^ and earn an extra 4,000 miles when their application is successfully approved!

  ^ Referral rewards are subject to a cap. Effective from 1 September 2026, the annual referral limit of 10 successful referrals per referrer will be revised to a maximum of 5 successful referrals during the period from 1 September to 31 December 2026. Referred applicants must not currently hold, or have cancelled within the 12 months preceding the application date, any principal Credit Card or Charge Card issued by American Express Hong Kong. Subject to the American Express Explorer Credit Card Member Referral Program Terms and Conditions.

• Shopping Protection
  Spend with the Card to enjoy the following protection:

  • Online Fraud Protection Guarantee
    Shop online with the Card and you won't be held responsible for any fraudulent charge.
  • Return Guarantee
    Refund if you are unhappy with the purchase made with the Card.
  • Extended Warranty
    When purchase with the Card, the warranty will be extended by up to 1 year once the original manufacturer's warranty expires. The maximum coverage is HK$40,000 per item, and HK$150,000 per Card account per year.
  • Price Protection
    Refund the difference when you see an identical item offered at a cheaper price in Hong Kong within 14 days of your purchase
  • 45 Days Cover
    Almost anything you buy with your Card is insured against theft or accidental damage for up to 45 days after the date of purchase.
  • Terms and Conditions apply.

• Entertainment and Shopping Privileges

  • 10% savings on 4DX, 3D, 2D and IMAX regular priced movie tickets at Broadway Circuit in Hong Kong.

• First year annual fee waiver upon successful card application
  • Spend HK$150,000 annually with the principal and any supplementary card(s) and your HK$2,200 annual card fee will be waived for the following year.
• Travel Spend Offer
  • Enroll to earn as low as HK$1.68 = 1 mile on Travel Spend Offer, equivalent to up to 10.75 Membership Rewards points for every HK$1 equivalent spent in foreign currencies transactions

Things to know

• Welcome Offer Terms and conditions apply.

• Cardmembers who are currently holding or applicants who have held or cancelled any approved Basic Credit Card or Charge Card issued by American Express Hong Kong within the past 12 months from the date of this application, are NOT eligible for the Welcome Offer and First Year Annual Fee Waiver. American Express reserves the right to debit the original price of the Welcome Offer and First Year Annual Fee from such Cardmember’s account without prior notice.

  • Gift eligibility is based on the application date of the approved application, but not approval date 
• First Transaction Bonus is applicable to Basic Cardmembers who submit their Card application online and all required valid documents within 7 working days from the date of application submission.

• ^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.