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American Express Explorer Credit Card

A guide to this AMEX card with multiple usage of reward points

American Express is a renowned international brand and is known for its quality services. Upon successful application online, the welcome reward is up to HK$2,280 and a first-year fee waiver (T&Cs apply).

The AMEX Explorer credit card offers a points reward programme. The points you earned can be spent on shopping vouchers, air miles redemption, Pay with Points, etc. Members can also enjoy discounts at designated merchants all year round.

HK$0 annual fee for the first year. HK$1,800 thereafter.

Annual Fee


Minimum Annual Income

Benefits of the AMEX Explorer Credit Card

  • Annual fee waiver. When spending is more than HK$150,000 annually, you are entitled to an annual fee waiver (annual card fee: HK$1,800) for the following year.
  • Welcome offer. Total reward up to HK$2,280 and first-year fee waiver. The first HK$6,000 eligible spending in the first 3 months gives you 20% rebate. In the following 3 months, 6% rebate (HK$1=18 points).
  • Reward points. Every HK$1 spent gives you 3-5 AMEX points (membership rewards points). You may use the points to redeem health and beauty products, air miles, cash vouchers, Pay with Points, hotel points, etc. Merchants that you can redeem gift cards/cash vouchers for: City’super, ParknShop, YATA Department Store, Caltex, Shell, Fortress, IKEA, Maxim’s, etc.
  • Easily convert your points to air miles. You may exchange your rewards points for air miles at no extra cost.
  • Shop with Points. The AMEX points you get can be spent via SafeKey (an anti-fraud service). They can be used to partly or fully pay for your shopping, e.g., at Apple Store.
  • Exclusive offers and privileges. There are discounts for members at designated partner merchants and restaurants, 10% off on Broadway Circuit’s regular priced movie tickets and free access to Plaza Premium Lounge 10 times per calendar year.
  • Travel and shopping protection. When requirements are met, members are covered by Travel Inconvenience Protection and Travel Accident Insurance. Also, shopping protection includes Online Fraud Protection and No Worries Guarantee Program. Worldwide access to Express Cash service is also available to you worldwide to meet your urgent needs.

Points table

Type of spendingPointsAir miles
Eligible Local SpendingHK$1 = 3 pointsHK$5 = 1 air mile
Eligible Foreign Currencies Spending

(online and offline)

HK$1 = 3.75 pointsHK$4 = 1 air mile
Eligible spending on

selected every day spend merchants,

online travel and airlines

HK$1 = 5 pointsHK$3 = 1 air mile

*15 membership rewards points = 1 air mile

Fees and charges of Explorer Credit Card

  • Annual fee. HK$1,800 (include one basic and two supplementary cards)
  • Cash advance handling fee (or express cash handling fee). 3.5% or HK$100
  • Fees relating to foreign currency transactions. 2% of every transaction effected in a currency other than Hong Kong dollar

How to apply for an AMEX Explorer Credit Card?

Eligibility requirements

  • Age. Applicant must be 18 years old or above.
  • Residence status. Applicant must be a resident/citizen of Hong Kong or Macau.
  • Income requirement. Annual salary of HK$300,000 or above (HK$25,000 or above per month on average)。

Required documents

  • Hong Kong ID or passport copy. (signature required)
  • Income proof. Applicant has to present a payslip or bank statement (with salary autopay record) from the recent month. Self-employed applicant can submit the latest Personal Tax demand note / latest Business Profit Tax demand note (issued by IRD).
  • Address proof. Residential proof from the latest 3 months (e.g. utility bills or bank statement).


Click the “Go to Site” button above and you will be re-directed to AMEX’s official website. Then you may start the application.

1. Fill in the preliminary application. All you need to do is to fill in and submit the online form. You will receive the application reference number and preliminary result via SMS within 60 seconds. If you did not receive the SMS message, you will receive the decision via email from 5-10 working days.

2. Upload required documents online after the SMS. If you received the SMS within 60 seconds successfully, you can proceed to upload the necessary documents via the online portal.

3. Final result and receipt of the card. After receipt of all the required documents, AMEX will once again send an SMS to inform the final result of approval. If it is successful, AMEX will mail the card to you from 5 to 7 working days to the provided address.

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