American Express 
Explorer Credit Card

Eligibility

You qualify for this Card if:

• You are 18 years or older
• You have a minimum income of HK$300,000 p.a.
• You are a Hong Kong or Macau resident/citizen

How to apply
Click here to download the PDF on how to apply.

Welcome Offer Terms and Conditions apply.

Card Benefits Terms and Conditions apply.

Membership Rewards Program Terms and Conditions apply.

^ Eligible Cardmember must successfully enroll with the Eligible Card. Click here for more details. Including the 3 points earned under the American Express Explorer Credit Card Membership Rewards Program. The additional 2 American Express Membership Rewards points for every HK$1 spending incurred from 5X Offer (including Airlines, Selected Online Merchants and Everyday Dining) are capped at extra 90,000 Membership Rewards points in total per Eligible Card Account for each calendar quarter. 

1. On the basis of HK$100 cash voucher can be redeemed by 30,000 Membership Rewards points and HK$10 Pay with Points can be redeemed by 3,000 Membership Rewards points.
   
2. Conversion rate accurate as of December 2023, in which 1,000 air miles can be redeemed by 18,000 Membership Rewards points.
3. Basic and Supplementary Cardmember(s) of American Express Explorer Credit Card can enjoy a total of 8 times complimentary Plaza Premium Lounge access every calendar year.
   
4. For Basic Cardmembers who submit their Card application online and all required valid documents within 7 working days from the date of application submission.
5. Aggregate spending of Basic and Supplementary Card(s).
6. Upon successful enrollment in and fulfillment of the below Overseas Spend Offers, Cardmembers may earn up to 10.75 American Express Membership Rewards points for every HK$1 equivalent on eligible foreign currencies spend billed to the Eligible Card.
   - “3X on Foreign Currencies Spend”: Starting from July 1, 2024, Eligible Cardmembers will accrue 3 American Express Membership Rewards points for every eligible HK$1 equivalent billed to the Eligible Card in foreign currencies. Enrollment is not required.
   - “0.75X Additional Bonusing (Offer 1)”: During the Overseas Spend Offers Promotional Period (as defined below) and after successfully completing the enrollment to Offer 1, the Enrolled Cardmembers (as defined below) will start earning an additional 0.75 American Express Membership Rewards points for every HK$1 equivalent spent in foreign currencies from Eligible Transactions (as defined below)
   - “7X Additional Bonusing (Offer 2)”: During the Overseas Spend Offers Promotional Period (as defined below) and after successfully completing the enrollment to Offer 2, the Enrolled Cardmembers (as defined below) will start earning an additional 7 American Express Membership Rewards points for every HK$1 equivalent spent in the first HK$10,000 (or equivalent) in foreign currencies from Eligible Transactions (as defined below) billed to the Eligible Card during each calendar quarter (i.e. July 1 – September 30 or October 1 – December 31).
   Above Offer 1 and Offer 2 are collectively “Overseas Spend Offers”, which are valid from July 1, 2024 to December 31, 2024, both dates inclusive (“Overseas Spend Offers Promotion Period”).
   The enrollment links will be available on go.amex/fx-spend-en starting from July 1, 2024 onwards. This program is applicable to Cardmembers of American Express Explorer Credit Card issued by American Express International, Inc. (“American Express”) in Hong Kong (“Eligible Card” such holder, "Eligible Cardmember"). Eligible Cardmembers must successfully enroll in the Overseas Spend Offers with the Eligible Card during the Overseas Spend Offers Promotion Period (“Enrolled Cardmembers”), then spend in foreign currencies with the Eligible Card to enjoy the Overseas Spend Offers (“Eligible Transaction”), which shall be subject to any exclusions outlined in the American Express Membership Rewards Terms and Conditions or herein. For the avoidance of doubt, any spending/transaction that occurs prior to the successful enrollment is not counted as qualified/eligible transactions under the Overseas Spend Offers.
   Foreign currency means any currency other than Hong Kong Dollars. If a transaction is converted into Hong Kong Dollars prior to being submitted to American Express International, Inc., foreign currency spend earn rate will not be applied on that spend. Payments for online transactions made in Hong Kong Dollars will also not be considered foreign currency spend. Foreign currency spend excludes charges and other fees. A Currency Conversion Fee applies when payment is charged in a currency other than Hong Kong Dollars. For more information regarding charges made in foreign currencies, please refer to the relevant Cardmember Agreement.
7. Movie privileges Terms and Conditions apply.
8. Cover it with Points Terms and Conditions, Shop with Points Terms and Conditions, Travel with Points Terms and Conditions and American Express Membership Rewards Program Terms and Conditions apply.
9. Complimentary Travel Insurance and No Worries Guarantee Program (collectively "Plans") are underwritten by Chubb Insurance Hong Kong Limited ("Chubb"), Chubb is authorized and regulated by the Insurance Authority of the Hong Kong SAR and is solely responsible for all coverage and compensation under the Plans.  American Express International, Inc. ("we/ us") does not act as an agent or fiduciary for you, and we may act on behalf of the insurance provider, as permitted by law. The Plans are subject to relevant Travel Insurance Terms and Conditions and No Worries Guarantee Program Terms and Conditions.
10. Online Fraud Protection Guarantee Terms and Conditions apply. Provided that you notify us immediately upon discovery of any fraudulent transactions on your statement and you have complied with the Card conditions. "Immediately" means on or before the due date of the statement in which the fraudulent transaction appears.