American Express Explorer® Credit Card

American Express Explorer® Credit Card

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Benefits
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American Express Explorer® Credit Card Highlights

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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Airport Lounge Access
8  times
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Airmiles Selected Everyday Dining
as low as $ 3.6  per mile
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4 Offers Available
Earn as low as HK$1.68 = 1 mile for eligible spending in foreign currencies transactions, airlines or selected online travel merchants
Explorer Overseas & Travel Spend Offer
Earn as low as HK$1.68 = 1 mile for eligible spending in foreign currencies transactions, airlines or selected online travel merchants
  • Promotion Period: 3 July 2025 - 31 December 2025 (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 HK$720 credit: HK$200 on 1st transaction + HK$520 after spending HK$7,000. Earn up to 72,000 miles — enough for 2 round trips to Japan/Korea.
Limited-time offer! Enjoy extra HK$720 statement credit and up to 72,000 miles
Enjoy HK$720 credit: HK$200 on 1st transaction + HK$520 after spending HK$7,000. Earn up to 72,000 miles — enough for 2 round trips to Japan/Korea.
Promotion Period: 01 June 2025 - 14 July 2025 (both days inclusive)
  • First Transaction Bonus
    HK$200 Statement Credit upon successful application and first transaction made in the first 3 months
  • Welcome Bonus
    126,000 points (eqv to 7,000 miles) upon spending HK$7,000 in the first 3 months
  • Insurance Bonus
    By spending HK$7,000 in the first 3 months, CMs will be eligible for the Annual Travel Insurance Amex Offer After registering the offer on MYCA and enrolling online in the Annual Travel Insurance Products on Amex Insurance e.Marketplace, CMs can enjoy HK$520 statement credit
  • Local Spending Bonus HK$3/mile
    1,152,000 points (eqv to 64,000 miles) earn 6X points for eligible local spending within the first 3 months

Insurance Bonus HK$520 – For Purchasing these 2 Insurance Plans

  • NEW - GBA annual multi-trip plan (Basic HK$520)

Can fully cover individual basic plan

  • World-wide annual multi-trip plan (Basic Plan ~ HK$1,270)

【American Express Prestige Travel Insurance Now Includes New GBA Coverage】

To celebrate the 3rd anniversary of the American Express Online Insurance Platform, we're continuing to enhance your protection and care for your lifestyle. We are excited to announce the addition of the "Greater Bay Area (GBA)" as a new coverage region under the Annual Multi-Trip Travel Insurance Plan — tailored for your frequent travels in the region. Whether you're on a business trip to Shenzhen or enjoying a weekend getaway to Macau or Zhuhai, you're protected every step of the way:

  • Unlimited trips within the GBA for a full year, including Macau, Shenzhen, Zhuhai, Guangzhou, Foshan, Dongguan, Zhongshan, Jiangmen, Huizhou, and Zhaoqing
  • Each trip within the 12-month period is covered — no need to purchase insurance each time
  • Includes coverage for medical expenses, personal belongings and money, lost travel documents, and more

4-Step Guide to redeem Insurance Bonus

Step 1. Download Amex HK app upon Card approval

Step 2. Once meeting the HK$7,000 spending requirement within the first 3 months, check on Amex HK app and register the insurance offer

Step 3. Go Insurance eMarketplace to purchase GBA / Multi-Trip Plan

Step 4. HK$520 statement credit added to account (will be shown on Amex HK app)

If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions

Important Note:

The above information is for reference only and should not be considered as any form of opinion or advice. I am not a licensed insurance intermediary and have not engaged in any act of inviting, encouraging, recommending, arranging, or advising on any insurance products or related services. Chubb Insurance Hong Kong Limited ("Chubb") is the underwriter of the relevant plan and is fully responsible for all coverage and claims matters. American Express International, Inc. is an authorized insurance agent of Chubb for distributing general insurance products in the Hong Kong Special Administrative Region and is registered with the Insurance Authority (License No.: FA3113).

Waived the Cross Border Fee (CBF), on spending at Amazon, Netflix, and Uber.
0% Cross Border Fee
Waived the Cross Border Fee (CBF), on spending at Amazon, Netflix, and Uber.

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

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

Enjoy complimentary access to Intervals Bar and Plaza Premium Lounges worldwide

Things to consider

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Conciege Service

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Airport lounge

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Travel insurance

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Purchase protection

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American Express Explorer® Credit Card Benefits

Cashback

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Cashback Local
1.67  %
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flight
Cashback Overseas
1.25  %
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luggage
Cashback Travel
1.67  %
restaurant
Cashback Dining
1.67  %
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Cashback Supermarket
1.67  %
orders
Cashback Online Food Delivery
1.67  %
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Cashback Local Online Shopping
1.67  %
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Cashback Overseas Online Shopping
1.67  %

Airmiles

flight
Airmiles Overseas
$ 4.8  per mile
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Airmiles Local
$ 3.6  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
Airport Lounge Access
8  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
$HK 2,200
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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