American Express Explorer® Credit Card
Last Updated: May 2022
$
300,000
Min. Annual Income
1.25
%
Overseas Spending - Cashback Rate
on foreign currencies spending
1.67
%
Local Spending - Cashback Rate
designated online travel and everyday spend merchants
For local currency spending: 1% cash rebate
Exclusive Offer
from MoneyHero
  • OFFER 1
    HK$500 Apple Gift Card / Wellcome Coupon / Foodpanda Voucher
    • New successful applicants of American Express Explorer Credit Card who apply for the card via MoneyHero are entitled to HK$500 Apple Gift Card / Wellcome Coupon / Foodpanda Voucher.
    • The Card must be active with any amount of spending. Otherwise, the offer will not be entitled. Within 7 days of card approval, please complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with American Express.
    • Promotion Period: from 12 May 2022 12:00 noon to 31 May 2022 6:00 p.m.
  • OFFER 2
    Up to HK$2,280 Rewards
    • New Cardmembers of American Express Explorer™ Credit Card who apply for the card via MoneyHero can enjoy up to 20% rebate and exclusive welcome offer worth up to HK$2,280 during promotion period  
    • Promotion Period: from now till 31 May 2022

Welcome Offers from American Express

OFFER 1
Up to HK$2,280 statement credit (include p to 144,000 points, worth HK$480 in cash vouchers/ Pay with Points/ 40,000 miles)
  • Online Bonus – HK$200 Statement Credits is only 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.
  • First 3 months spending bonus – HK$1,200 Statement Credits (equals to 20% rebate): spend HK$6,000 or above in the first 3 months upon Basic Card approval, including include aggregate spending of Basic and Supplementary Card(s).
  • Next 3 months spending bonus - Up to 144,000 points (Worth HK$480 in cash vouchers / Pay with Points / 40,000 miles): 6% rebate on any spending (HK$1=18 points) .
  • Supplementary Card Bonus - Up to HK$400 Statement Credits Successfully apply for up to 2 supplementary cards
  • The promotion period is valid from now till 31 May 2022.
  • Terms and Conditions apply. Basic Card must be approved within 45 days.
No expiry date for points, can redeem cash vouchers/Pay with Points/miles/hotel stays/hotel points; 5X Membership Rewards points on airlines and selected online travel and everyday spend merchants
First year annual fee waiver
Annual Fee Waiver
Airport Lounge
Free Travel Insurance

Great for

  • MoneyHero Time-limited Offer - HK$500 Apple Gift Card / Wellcome Coupon / Foodpanda Voucher 

    • By 31 May 2022, new American Express Explorer Credit Card Basic Cardmembers who successfully apply for American Express Explorer Credit Card from American Express via MoneyHero and activated the card with any spending are entitled to HK$500 Apple Gift Card / Wellcome Coupon / Foodpanda Voucher.
    • Terms and Conditions apply.
    • Tips:
  • MoneyHero Time-limited Offer - Up to HK$2,280 Rewards

    • New American Express Explorer Credit Card Basic Cardmembers who successfully apply for American Express Explorer Credit Card via MoneyHero can enjoy up to 20% rebate and exclusive welcome offer worth up to HK$2,280
    • Tips:
  • Welcome Offer - Up to HK$2,280 Reward!

    Requirements Welcome Offers
    MoneyHero Time-limited Offer  
    Applicable to new Cardmembers of Explorer Credit Card who submit their approved Card application via MoneyHero HK$200 Statement Credits
    American Express Offer  
    First 3 months spending bonus
    Spend HK$6,000 in the first 3 months, include aggregate spending of Basic and Supplementary Card(s) (equals to 20% rebate)
    HK$1,200 Statement Credits
    Next 3 months spending bonus
    6% rebate on any spending (HK$1 = 18 points)

    Up to 144,000 points
    (Worth HK$480 in cash vouchers / Pay with Points / 40,000 miles)

    Supplementary Card Bonus
    Successfully apply for up to 2 supplementary cards
    Up to HK$400 Statement Credits
      A total of up to HK$2,280 statement credit

  • Earn Membership Rewards points when you spend with the Card. Enjoy as low as HK$3 = 1 mile on selected online everyday spend merchants.

    Local Currency Spend HK$1 = 3 Membership Rewards points
    (HK$5 = 1 mile / 1% cash rebate)
    Foreign Currency Spend HK$1 = 3.75 Membership Rewards points
    (HK$4 = 1 mile / 1.25% cash rebate)
    Airlines and Selected Online Travel and Everyday Spend Merchants
    • Include: Amazon.com, Apple, Deliveroo, foodpanda, Cathay Pacific Airlines, Japan Airlines, Eva Air, Finnair, Hong Kong Airlines, Emirates and MORE
    HK$1 = 5 Membership Rewards points
    (1.67% cash rebate / HK$3 = 1 mile)
    • Conversion rate is based on 30,000 points to redeem HK$100 cash vouchers/Pay with Points and 15 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 10 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 Plaza Premium Lounge Access: Basic and Supplementary Cardmember of American Express Explorer Credit Card can enjoy a total of 10 times complimentary Plaza Premium Lounge access every calendar year.
    • 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.
  • 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.
    • Live Hong Kong - A showcase of local and worldwide travel, leisure, dining and shopping offers.
  • First year annual fee waiver upon successful card application
    • Spend HK$150,000 annually with the principal and any supplementary card(s) and your annual card fee will be waived for the following year.

Need to know

  • Welcome Offer Terms and conditions apply.

  • Existing American Express Explorer Credit Card Basic Cardmembers and applicants who held the Basic Card of American Express Explorer Credit Card at any time within the past 12 months from the date of this application are not eligible for these Welcome Offers and first-year annual fee waiver.

    • Gift eligibility is based on the application date of the approved application, but not approval date.
  • Online 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.

Year-round rewards

Local Spending
1.67%
For local currency spending: 1% cash rebate
Overseas Spending
1.25%
Dining Spending
1.67%
Online Shopping Spending (Local)
1.67%
Online Shopping Spending (Overseas)
1.67%

Year-round benefits

OFFER 1
Complimentary visits to the Plaza Premium Lounges at the airport

Eligibility

Minimum Age
18 years old
Min. Annual Income
HK$300,000

Fees

Annual fee
HK$1,800
Foreign Currency Transaction Fee
2%

Repayment

Minimum Payment
The 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% 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
37.67%
Cash Advance APR
39.87%

Other information

Credit card type
American Express

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