American Express Explorer® Credit Card
Apply through MoneySmart and redeem for any of these:
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American Express Welcome Offer
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144,000 Membership Rewards points upon HK$8,000 spend
Valid Until 10 June 2026
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144,000 Membership Rewards points upon HK$8,000 spend
Valid Until 10 June 2026
American Express Welcome Offer
HK$200 statement credit upon your first transaction within the first 3 months
Valid Until 10 June 2026
HK$200 statement credit upon your first transaction within the first 3 months
Valid Until 10 June 2026
American Express Welcome Offer
6X points on local spend (up to 1,152,000 points), up to 72,000 miles
Valid Until 10 June 2026
6X points on local spend (up to 1,152,000 points), up to 72,000 miles
Valid Until 10 June 2026
【✈️ Fly for Less: Earn HK$200 Statement Credit on Your First Spend!】
From now until 10 June 2026, new customers who successfully apply for the American Express Explorer Credit Card via MoneySmart and make their first transaction within 3 months can enjoy HK$200 Statement Credit (*automatically credited once the transaction is confirmed); earn up to 72,000 miles which is equivalent to redeem a round-trip flights to Japan ✈️ for TWO; and HK$50 statement credit for a single HK$600 Octopus top-up!
🌟Spend HK$7,000, Earn 8,000 miles - just HK$0.875/ mile + HK$200 Statement Credit!
🤩 Ready to Fly Further for Less? Supercharged earning rates:
During the welcome period, earn HK$3=1 mile on eligible local transactions, up to 1,152,000 Points, enough to redeem for 72,000 miles! Plus, enroll to earn as low as HK$1.68 = 1 mile of overseas, airline or selected travel merchants spend!
Valid till 10 Jun 2026
Are you eligible?
Limited-time Offer + Welcome Bonus:
・HK$200 statement credit upon your first transaction within the first 3 months (*automatically credited once the transaction is confirmed);
・Spend HK$8,000 within the first 3 months, to earn 144,000 MR points reward (equivalent to 8,000 miles or HK$480)Local Spending Bonus: 6X Membership Rewards points on local spending in the first 3 months, up to 1,152,000 points
Octopus Top-up: HK$50 cashback for a single Octopus top-up of HK$600+ via iPhone, Apple Watch, or Android in the first 3 months
The above rewards will be fulfilled by American Express.
What you need to know
Cardmembers who are currently holding or applicants who have held or cancelled any approved Basic Card issued by American Express Hong Kong within the past 12 months from the date of this application, are NOT eligible for the first-year annual fee waiver and the Welcome Offer.
American Express a the right to claw back the Welcome Offer or debit the original price of the Welcome Offers from the Eligible Card account without prior notice if the annual fee was waived and the Welcome Offer was awarded
Your credit card application is approved and spending at the first time in the first 3 months
^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.
Card Details
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AMEX Explorer Credit Card - Annual Income Requirement & Annual Fee
| AMEX Explorer Card | Annual Income Requirement | Annual Fee |
|---|---|---|
| AMEX Explorer CardAMEX Explorer Card | Annual Income RequirementHK$300,000 | Annual FeeHK$2,200 |
AMEX Explorer Card Review: AMEX Explorer Card Key Features
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. The annual fee can be waived for the first year. The second-year annual fee can also be waived if the card holder reaches a certain spending requirement
5. Income requirement is higher than other miles credit card
AMEX Explorer Card Welcome Offers
| AMEX Explorer Card Welcome Offers | Eligibility | |
|---|---|---|
| AMEX Explorer Card Welcome Offers First transaction rewards: 18,000 points (equivalent to 1,000 miles) | Eligibility Upon successful application via MoneySmart and complete the first transaction within the first 3 months | |
| AMEX Explorer Card Welcome Offers Welcome bonus: 126,000 points (equivalent to 7,000 miles) | Eligibility Spend HK$7,000 in the first 3 months | |
| AMEX Explorer Card Welcome Offers Local Spending Bonus: up to 1,152,000 points (equivalent to 64,000 miles) | Eligibility Enjoy HK$1=6 points in the first 3 month |
AMEX Explorer Card VS Other Miles Card
| Credit Cards | Local Currency Spending | Foreign Currencies Spending |
|---|---|---|
| Credit CardsAMEX Explorer Card | Local Currency SpendingHK$5＝1 Mile | Foreign Currencies Spending HK$4＝1 Mile |
| Credit CardsStandard Chartered Cathay Mastercard | Local Currency SpendingHK$6＝1 Mile | Foreign Currencies Spending HK$4＝1 Mile |
| Credit CardsCiti Rewards Card | Local Currency SpendingHK$3＝1 Mile | Foreign Currencies Spending / |
AMEX Explorer Card VS Standard Chartered Cathay Mastercard
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
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$2,200 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%.