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American Express Explorer™ Credit Card

Last Updated:Apr 2021
$300,000
Min. Annual Income
1.25%
Overseas Spending - Cashback Rateon foreign currencies spending
Offers
Benefits
Eligibility
APR/Fees

Offers

Exclusive Offer

from MoneyHero

OPTION 1

HK$400 city'super cash vouchers

  • From 15 April 2021 12:00 noon to 23 April 2021 06:00 p.m, new American Express Explorer™ Credit Card Cardmembers who successfully apply for the Basic Card and Supplementary Card(s) of American Express Explorer™ Credit Card via MoneyHero are entitled to MoneyHero limited-time exclusive offer.
  • The Basic Cardmember will receive city’super cash vouchers for the total value of HK$200 upon each Supplementary Card approval. Each Basic Cardmember can get up to HK$400 city’super cash vouchers in total.
  • The Card must be active when the voucher is sent. Otherwise, the offer will not be entitled.
  • MoneyHero Limited-Time Exclusive Offer - Up to HK$400 city'super coupon will be sent by American Express to Basic Cardmember within 12 weeks upon receiving the Supplementary Card by the Cardmember. If you have concerns regarding the promotion, please refer to the terms and conditions.

Welcome Offers from American Express

OPTION 1

HK$800 city'super cash voucher + up to 1,020,000 points (equivalent to HK$3,400 cash vouchers / 68,000 miles)

  • Online and First Transaction Bonus - HK$300 city'super cash voucher:  apply online successfully and make any successful spending with the Card upon Card approval. (Enjoy HK$100 city'super cash voucher if you apply online successfully and receive extra HK$200 city'super cash vouchers as the first transaction bonus upon first transaction in the first 3 months.)
  • Online Bonus 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.
  • Welcome Bonus - HK$500 city'super cash voucher: spend HK$5,000 or above in the first 3 months upon Basic Card approval, including include aggregate spending of Basic and Supplementary Card(s).
  • Local Spending Bonus - Up to 600,000 Membership Rewards points (enough to redeem HK$2,000 cash vouchers  / 40,000 miles): HK$1 = 5 points in the first 3 months.
  • Foreign Currencies Spending Bouns - up to 420,000 Membership Rewards points (enough to redeem HK$1,400 cash vouchers / 28,000 miles): HK$1 = 5 points in the first 3 months.
  • Conversion rate is based on 30,000 points to redeem HK$100 cash vouchers and 15 points to redeem 1 mile.
  • The promotion period is valid from now till 31 May 2021.
  • 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

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
Annual Fee Waiver
Airport Lounge
Airport Lounge
Free Travel Insurance
Free Travel Insurance
Annual Fee Waiver
Annual Fee Waiver
Airport Lounge
Airport Lounge
Free Travel Insurance
Free Travel Insurance

Great for

Welcome Offer - Up to HK$800 city'super cash voucher and 1,020,000 points
Requirements Welcome Offers
Online and First Transaction Bonus
Apply online successfully and spend with the Card in the first 3 months		 HK$300 city'super cash voucher
Welcome Bonus
Spend HK$5,000 in the first 3 months, include aggregate spending of Basic and Supplementary Card(s)		 HK$500 city'super cash voucher
Local Spending Bonus
HK$1=5 points in the first 3 months

Up to 600,000 points
(enough to redeem HK$2,000 cash vouchers/40,000 miles)
Foreign Currencies Spending Bonus
HK$1=5 points in the first 3 months		 Up to 420,000 points
(enough to redeem HK$2,000 cash vouchers/40,000 miles)
  HK$800 city'super cash voucher
+
Up to 1,020,000 points
(enough to redeem HK$3,400 cash vouchers/68,000 miles)
MoneyHero Limited-Time Exclusive Offer - Up to HK$400 city'super cash vouchers
  • From 15 April 2021 12:00 noon to 23 April 2021 06:00 p.m, new American Express Explorer™ Credit Card Cardmembers who successfully apply for Basic Card and Supplementary Card(s) of American Express Explorer™ Credit Card via MoneyHero are entitled to MoneyHero limited-time exclusive offer.
  • The Basic Cardmember will receive city’super cash vouchers for the total value of HK$200 upon each Supplementary Card approval. Each Basic Cardmember can get up to HK$400 city’super cash vouchers in total.
  • Tips:
    • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
    • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
    • Please choose "ADD A SUPPLEMENTARY CARD" and fill in the details of Supplementary Cardmember(s) when you apply for the Basic Card to be entitled to MoneyHero limited-time exclusive offer.
    • MoneyHero Limited-Time Exclusive Offer - Up to HK$400 city'super coupon will be sent by American Express to Basic Cardmember within 12 weeks upon receiving the Supplementary Card by the Cardmember. If you have concerns regarding the promotion, please refer to terms and conditions.
Earn Membership Rewards points when you spend with the Card. Enjoy as low as HK$3 = 1 mile on selected online everyday spend merchants.
  First 3 months Thereafter
Local Currency Spend HK$1 = 5 Membership Rewards points
(HK$3 = 1 mile / 1.67% cash rebate)		 HK$1 = 3 Membership Rewards points
(HK$5 = 1 mile / 1% cash rebate）
Foreign Currency Spend HK$1 = 5 Membership Rewards points
(HK$3 = 1 mile / 1.67% cash rebate)		 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

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, first-year annual fee waiver and MoneyHero limited-time exclusive offer.
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.
Cap on Membership Rewards points in the first three months
  • Up to 600,000 Membership Rewards points on local currency spend (cap at HK$120,000).
  • Up to 420,000 Membership Rewards points on foreign currency spend (cap at HK$84,000 or equivalent).

Benefits

Year-round rewards

Cash rebate
Air miles rewards
Cash rebate
Air miles rewards
Local Spending
1.67%
$3/mile
Overseas Spending
1.25%
$4/mile
Dining Spending
1.67%
$3/mile
Online Shopping Spending (Local)
1.67%
$3/mile
Online Shopping Spending (Overseas)
1.67%
$3/mile

Year-round benefits

OFFER 1

Complimentary visits to the Plaza Premium Lounges at the airport

Eligibility

Eligibility

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

APR/Fees

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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© 2013 - 2021 MoneyHero Global Limited (registered in Hong Kong under company number 1864714) (“MHGL”). All rights reserved. MoneyHero Insurance Brokers Limited (registered in Hong Kong under company number 2196683) (“MHIBL”) is a wholly owned subsidiary of MHGL. MHIBL is an authorized insurance broker with Insurance Authority License Number FB1740 whose business it is to arrange insurance products and services for its clients. MHGL is not an insurance company, agent or broker. Other than the provision of marketing services to virtual insurance companies that do not work with insurance intermediaries, MHGL does not carry on an insurance business and all insurance-related activities displayed, offered or referred to on this site are carried out solely by MHIBL in its capacity as an insurance broker. Use of this site constitutes acceptance of our Terms of Use and Privacy Policy.

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