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%.

American Express Explorer® Credit Card

No expiry date for Membership Rewards points

Enjoy a generous mileage welcome bonus with the American Express Explorer® Credit Card. It offers 8 complimentary lounge visits annually for both Basic and Supplementary Cardmembers, and an earn rate as low as HK$1.68/mile on foreign currency, airline, and designated travel website spending with CBF waived. As a unique perk, Cardmembers also enjoy an extra year of warranty on Apple product purchases, making this card an essential choice for frequent travellers and Apple enthusiasts.

^HK$300,000
Min. Annual Salary: 8 times per Calendar Year
Complimentary Plaza Premium Lounge Access: HK$1.68 = 1 Mile
Miles Conversion (Eligible Foreign Currency Transaction)*

Special Promotion

【✈️Top Pick for Beginners in Miles: Earn 1,000 Miles Instantly | Get 1-Yr Extra Warranty on Apple Purchases】

From now until Sep 30, new customers who successfully apply for the American Express Explorer Credit Card via MoneySmart and make their first transaction within 3 months can enjoy 18,000 Membership Rewards® points. Spend HK$7,000 to earn a total of 126,000 Membership Rewards points, equivalent to 7,000 miles!
🌟Spend HK$7,000, Earn 8,000 miles (sufficient to redeem a flight ticket to Taipei) - just HK$0,875/ mile!

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 64,000 miles! Plus, enroll to earn as low as HK$1.68 = 1 mile of overseas, airline or selected travel merchants spend!

Valid until 30 Sep 2025 - See more details below

Are you eligible?

- First Transaction + Welcome Bonus:
  ・Successfully apply via MoneySmart and get 18,000 American Express Membership Rewards points upon the first transaction within the first 3 months;
  ・Spend HK$7,000 within the first 3 months to enjoy 126,000 American Express Membership Rewards® points
- Local Spending Rewards: Earn HK$3=1mile (based on 6X points) on eligible local spending within the first 3 months, allowing you to accumulate up to 1,152,000 American Express Membership Rewards points, equivalent to 64,000 air miles!
- 【Extended until 12.31】Overseas Spend + Travel Spend Offer: Enroll to earn as low as HK$1.68 = 1 mile on overseas, airlines or selected online travel merchants spend

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

T&Cs

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All Details

- 🆕 Enroll to earn as low as HK$1.68 = 1 mile* on overseas, airlines and selected travel merchants spending
- 0% Cross Border Fee
- A total of 8 times complimentary access to Plaza Premium Lounge worldwide for both basic and supplementary Cardmembers
- 5 Membership Rewards points for every eligible HK$ 1 spent on selected online merchants or everyday dining
- You can transfer your points into 8 air miles partners with no administration fee. Partners include Asia Miles, Avios, ANA, KrisFlyer and more
- When purchase electronic products with the card, warranty will be extended by up to 1 year once the original manufacturer's warranty expires! (Including Apple products))
- No expiry date for Membership Rewards points. Membership Rewards points can also redeem cash voucher, Pay with Points, Travel with Points, hotel points (Hilton Honors, Marriot Bonvoy), lifestyle gifts and more
- First year annual fee waiver
- 10% savings on 4DX, 3D, 2D and IMAX regular priced movie tickets at Broadway Circuit
- 2025 Cardmember Benefits
  ・HK$1 Star Ferry Ride Offer—From now until December 31, 2025, simply press the "Amex $1" button at the Star Ferry turnstile and tap your Explorer Credit Card on the reader to pay. No registration is required, and the offer can be used an unlimited number of times during the promotion period.
- 2025 Travel Website Discounts
  ・Trip.com: Enjoy a 8% discount on designated hotel bookings and up to HK$200 off designated flight bookings
  ・Hotels.com/ Expedia: Up to 8% discount
  ・ Up to 7% discount

No administration fee when you transfer your points into 8 air miles partners
Enroll to earn 5X American Express Points on eligible spending at designated online merchants and for everyday dining, including Apple Store, Netflix, Disney+, Keeta, Foodpanda, McDonald's App, iHerb, HKTVmall, and the Taobao App.
3 Membership Rewards® points for every HK$ 1 spent on eligible local transactions
3.75 Membership Rewards points for every HK$ 1 equivalent spent in eligible foreign currencies spend

Membership Rewards points can also redeem cash voucher, Pay with Points, Travel with Points, hotel points (Hilton Honors、Marriot Bonvoy), lifestyle gifts and more
5 Membership Rewards points for every eligible HK$ 1 spent on selected online merchants or everyday dining
3 Membership Rewards® points for every HK$ 1 spent on eligible local transactions
3.75 Membership Rewards points for every HK$ 1 equivalent spent in eligible foreign currencies spend

Complimentary access to Plaza Premium lounges without any additional spending requirements (also applicable to supplementary cardmembers)
Two complimentary supplementary cards
No administration fee when you transfer your points into 8 air miles partners
No expiry date for Membership Rewards points. Membership Rewards points can also redeem cash voucher, Pay with Points, Travel with Points, hotel points (Hilton Honors, Marriot Bonvoy), lifestyle gifts and more
First year annual fee waiver
Courteous hotline customer service

Substantial mileage welcome bonus, ideal for individuals with high spending habits or those planning significant expenditures
First-year annual fee waiver
New Cardmember Welcome Offer: Up to 72,000 miles in total, enjoy HK$3=1 mile on eligible local transactions during welcome period. And, earn 8,000 miles (from 144,000 MR points) upon first HK$7,000 spend (including insurance premium payments)
Welcome Offer terms and conditions apply.

From now until June 30, 2025, enroll to earn as low as HK$1.68 = 1 mile* on Overseas Spend Offers, equivalent to up to 10.75 Membership Rewards points for every HK$1 equivalent spent in foreign currencies transactions
🆕 New! Enroll to earn as low as HK$1.68=1 mile* on airlines and selected online travel merchants, equivalent to 10.75 points for every HK$1 spent.

*Eligible Cardmembers must successfully enroll in Travel Spend Offer to earn up to 10.75X points (equivalent to as low as HK$1.68 = 1 mile) for (i) every HK$1 equivalent spent in the first HK$10,000 (or equivalent) in foreign currencies from Eligible Transaction and (ii) every HK$1 equivalent spent in the first HK$10,000 in airlines or selected online travel merchants billed to the Registered Card. Travel Spend Offer includes two offers and separate enrollment is required. Conversion rate accurate as of December 2024 and on the basis of 1 mile can be redeemed by 18 Membership Rewards points. Click here for more details.
Pay for your entire fare for an overseas trip with American Express Explorer Credit Card to get Complimentary Travel Insurance

Annual Principal Fee	HK$2,200(First year annual fee waiver)
Supplementary Annual Fee	N/A
Annual Interest Rate	Retail Purchase APR: 35.96%
Late Payment Fees	5% of the outstanding minimum payment due (The maximum Late Payment Fee is HK$350 and the minimum Late Payment Fee is HK$300.)
Minimum Monthly Repayment	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.
Foreign Currency Transaction Fee	2%
Foreign Check Fee	2%
Cash Advance Transaction Fee	Waived
Overlimit Fee	Waived

Local Resident	HK$300,000

American Express

Airport Lounge Access

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AMEX Explorer Credit Card - Annual Income Requirement & Annual Fee

AMEX Explorer Card	Annual Income Requirement	Annual Fee
AMEX Explorer Card	HK$300,000	HK$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
First transaction rewards: 18,000 points (equivalent to 1,000 miles)	Upon successful application via MoneySmart and complete the first transaction within the first 3 months
Welcome bonus: 126,000 points (equivalent to 7,000 miles)	Spend HK$7,000 in the first 3 months
Local Spending Bonus: up to 1,152,000 points (equivalent to 64,000 miles)	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
AMEX Explorer Card	HK$5＝1 Mile	HK$4＝1 Mile
Standard Chartered Cathay Mastercard	HK$6＝1 Mile	HK$4＝1 Mile
Citi Rewards Card	HK$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$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%.

American Express Explorer® Credit Card

Are you eligible?

What you need to know

All Details

Key Features

Annual Fee Waiver

Air Miles

Online Shopping

Best Credit Cards

Welcome Offers

Overseas Spending

Cash Back

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Credit Card Features