American Express Explorer® Credit Card

American Express Explorer® Credit Card

No expiry date for Membership Rewards points
HK$300,000
Min. Annual Salary
8 times per Calendar Year
Complimentary Plaza Premium Lounge Access
HK$2 = 1 Mile
Miles Conversion (Eligible Foreign Currency Transaction)*
MoneySmart Exclusive

【Get up to $600 rewards by applying American Express Explorer Credit Card via MoneySmart! MoneySmart rewards you with extra HK$100 HKTVmall eGift voucher exclusively!】 From 23 February to 29 February, eligible customers who successfully apply for American Express Explorer Credit Card via MoneySmart can enjoy an additional HK$100 HKTVmall eGift voucher (Fulfilled by MoneySmart)!



【🏮CNY Exclusive - Get an extra HK$500 Statement Credit】From now on until 29 February, customers who successfully apply for the American Express Explorer Credit Card via MoneySmart can earn 🔥additional HK$500 statement credit when completing the first transaction within the first 3 months, and get 7,000 miles/ HK$420 rewards (from 126,000 points)upon the qualified spending of HK$7,000 within the first 3 months! Spend 7,000 and Earn 7,000 Miles! Plus, you can enjoy 8 complimentary access to Plaza Premium Lounges all over the world for a whole year!



Zoom to Japan, Korea, and Taiwan with Lightning Speed! Earn HK$2=1 mile on eligible foreign currency transactions, up to 720,000 Points, enough to redeem for 40,000 miles. Plus, earn HK$4.5=1 mile on eligible local transactions, up to 432,000 Points, enough to redeem for 24,000 miles. That's a potential of up to 64,000 bonus miles!



【🌟Attention Electronic Shoppers!】Looking to take your electronic or Apple product purchases to the next level? The Explorer Card has got you covered! You’ll enjoy an extended 1-year warranty on any purchase; plus earn 5 Membership Rewards points for every eligible HK$1 spent at the Apple Online Store. Seize the chance and APPLY NOW!

Valid until 29 Feb 2024 - See more details below

Are you eligible?

    • You need to apply through MoneySmart and credit card is approved, and first transaction made within the first 3 months

    • Before the application through the MoneySmart, please first Turn off ad block; Clear the cookies; Don’t use incognito mode; Turn off the prevent cross-site tracking (Safari users) or Turn off do not track function (Chrome users)

    • After clicking MoneySmart’s designated link, please complete the application from asap; Do not open another web page.

What you need to know

  1. Customers must complete and submit the redemption form in the MoneySmart Dashboard on or before 30 April, 2024

  2. From 23 February to 29 February, eligible customers who successfully apply for American Express Explorer Credit Card via MoneySmart can enjoy an additional HK$100 HKTVmall eGift Voucher(Fulfilled by MoneySmart)!

T&Cs
Claim Form

All Details

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AMEX Explorer Credit Card - Annual Income Requirement & Annual Fee

AMEX Explorer CardAnnual Income RequirementAnnual Fee
AMEX Explorer CardHK$300,000HK$1,800

AMEX Explorer Card Review: AMEX Explorer Card Key FeaturesSection Title

AMEX Explorer Card Pros

1. Earn 5 Membership Rewards points for every eligible spent on airlines and designated online travel and merchants (HK$3 = 1 mile) 2. No expiry date for Membership Rewards points 3. Redeem your membership rewards points for a wide range of rewards including miles, cash voucher, pay with points, travel with points, hotel points (Hilton Honors, Marriot Bonvoy), lifestyle gifts, etc. 4. You can transfer your points into 10 air miles partners without administration fees 5. Enjoy a wide range of travel perks, for example complimentary travel insurance and free access to plaza premium lounge 6. 10% off 4DX, 3D, 2D and IMAX regular priced movie tickets at Broadway Circuit Enjoy first year annual fee waiver

AMEX Explorer Card Cons

1. AMEX is less commonly accepted by merchants compared to Visa and Mastercard 2. The mile conversion ratio of non-selected merchants is only HK$5=1 mile 3. Foreign transaction fee is 2% which is higher than the average 1.95% 4. Annual fee can only be waived for the first year 5. Income requirement is higher than other miles credit card

AMEX Explorer Card Welcome Offers

AMEX Explorer Card Welcome Offers Eligibility Are existing customers eligible?
HK$500 city'super cash vouchers Spend HK$5,000 in the first 3 months, including aggregate spending of Basic and Supplementary Card(s)Yes
Local Spending Bonus/ Enjoy HK$1=5 points in the first 3 months (max: 600,000 points) Enjoy HK$1=5 points in the first 3 months with no spending requirements Yes
Foreign Currencies Spending Bonus/ Enjoy HK$1=5 points in the first 3 months (max: 420,000 points) Enjoy HK$1=5 points in the first 3 months with no spending requirements Yes
Online and First Transaction Bonus/ HK$300 city'super cash voucherEnjoy HK$100 city'super cash voucher if you apply online successfully; Receive extra HK$200 city'super cash vouchers for your first transaction in the first 3 months.Yes

AMEX Explorer Card VS Other Miles Card

Credit CardsLocal Currency SpendingForeign Currencies Spending
AMEX Explorer CardHK$5=1 MileHK$4=1 Mile
Standard Chartered Cathay MastercardHK$6=1 MileHK$4=1 Mile
Citi Rewards CardHK$3=1 Mile/

AMEX Explorer Card VS Standard Chartered Cathay Mastercard

AMEX Explorer Card offers a higher mile conversion rate than Standard Chartered Cathay Mastercard (HK$5= 1 Mile VS HK$6= 1 Mile), but Standard Chartered Cathay Mastercard offers an even higher conversion rate for eligible spending on Cathay and Hong Kong Express. (HK$3 = 1).
With AMEX Explorer Card, you can convert it into 10 air miles partners without administration fees. But with Standard Chartered Cathay Mastercard, you can only convert it to Asia Miles.
Also, it is important to note that AMEX Explorer Card has a much higher annual income requirement than Standard Chartered Cathay Mastercard (HK$300,000 VS HK$96,000).

AMEX Explorer Card VS Citi Rewards Card

Citi Rewards Card and AMEX Explorer Card offer HK$1= 0.333 mile. What’s more, Citi Rewards even offers HK$=1= 0.536 miles in your birthday month.There is no expiry date for points. Cardholders can redeem points for miles, cash vouchers, etc. However, Citi Rewards Card only offers a high conversion rate to selected spending categories such as supermarkets, department stores, telecommunications.
AMEX Explorer Card has a much higher annual income requirement than Citi Rewards Card (HK$300,000 VS HK$150,000).

FAQ

Can I get the annual fee of AMEX Explorer Card waived?

Yes, you can enjoy a first-year annual fee waiver. Then, you have to pay HK$1,800 each year.

Can I apply for supplementary cards for my AMEX Explorer Card?

Yes, you can apply up to 2 AMEX supplementary cards for your AMEX Explorer Card with no annual fees.

Does AMEX Explorer have a foregin transaction fee? How much does that cost?

Yes, AMEX Explorer has a foregin transaction fee of 2%.