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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5 Offers Available
up to 26,000 miles + HK$50 Statement Credit for spending HK$30,000
Welcome Offer
up to 26,000 miles + HK$50 Statement Credit for spending HK$30,000

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

Offer Details

Reward Requirement
144,000 MR Points (approx. 8,000 miles) Spend HK$8,000 in local currency
468,000 MR Points (approx. 26,000 miles) Spend HK$30,000 in eligible spending
HK$50 Statement Credit Accumulate HK$600 in Octopus top-ups via Mobile Wallet

Welcome Offer Tip:

After successfully registering for the Local Spending Programme, cardholders can earn additional bonus points on local spending:

Spending Requirement Welcome Offer Local Spending Bonus Total Miles
HK$8,000 Local Spending Approx. 5,333 miles Approx. 2,667 miles Approx. 8,000 miles
HK$30,000 Eligible Spending Approx. 21,000 miles Approx. 5,000 miles Approx. 26,000 miles
  • Spend HK$30,000 and earn up to approximately 26,000 miles + HK$50 Statement Credit

If you accumulate spending HK$8,000, that's equivalent to earning miles at as low as HK$1 per mile, with enough miles for selected Japan round-trip flight redemptions.

Note: Cardholders must successfully register for the Local Spending Programme in advance to enjoy the additional local spending bonus miles.

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 July 2026 - 31 December 2026 (both days inclusive)
  • Offer Details: Enjoy up to 10.75X American Express Membership Rewards points when spending overseas with using the American Express Explorer® Credit Card. Redeem miles at a rate as low as HK$1.68 = 1 mile.
    • Basic Membership Rewards points when local spending：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$400 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 31 December 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.

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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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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
As Low as $ 3.6  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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