{
  "source": "https://apigw.americanexpress.com/cdr/unauth/cds-au/v1/banking/products/f9d70d2d-6dff-488a-8623-c0ec0afd7044",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "f9d70d2d-6dff-488a-8623-c0ec0afd7044",
    "lastUpdated": "2026-07-09T05:00:00.000Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "The American Express® Explorer Credit Card",
    "description": "Turn everyday spend into extraordinary adventures with your new travel companion.",
    "brand": "American Express",
    "brandName": "American Express",
    "applicationUri": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.americanexpress.com/en-au/credit-cards/explorer-credit-card/",
      "termsUri": "https://www.americanexpress.com/en-au/credit-cards/explorer-credit-card/",
      "eligibilityUri": "https://www.americanexpress.com/en-au/credit-cards/explorer-credit-card/",
      "feesAndPricingUri": "https://www.americanexpress.com/en-au/credit-cards/explorer-credit-card/"
    },
    "cardArt": [
      {
        "cardScheme": "AMEX",
        "cardType": "CREDIT",
        "title": "The American Express Explorer Credit Card",
        "imageUri": "https://icm.aexp-static.com/Internet/CardArt/JAPA/au-cardasset-config/images/GAUP0725VC00S3.gif"
      }
    ],
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "4",
        "additionalInfo": "Add up to 4 Cards at no additional fee.",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/manage-your-card/additional-card/"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "Ways to pay your bill",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/manage-your-card/pay-bill/"
      },
      {
        "featureType": "BONUS_REWARDS",
        "additionalValue": "New Card Member Offer",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalValue": "Amex App",
        "additionalInfo": "The Amex App lets you quickly and easily manage your Card Account anytime, anywhere.",
        "additionalInfoUri": "https://www.americanexpress.com/en-au/credit-cards/manage-your-card/mobile-app/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/manage-your-card/mobile-payments/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/manage-your-card/mobile-payments/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/manage-your-card/mobile-payments/"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "Fraud Protection Guarantee, protecting you from unauthorised charges made on your Account.",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/membership-benefits/service-and-security/fraud-protection/"
      },
      {
        "featureType": "INSTALMENT_PLAN",
        "additionalValue": "Plan It Instalments",
        "additionalInfo": "A flexible way to pay off a selected amount or portion of your Credit Card balance in equal monthly instalments. Subject to fees.",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/membership-benefits/plan-it/"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "International & Domestic Travel Insurance",
        "additionalInfo": "Terms, conditions, cover limits and exclusions apply.",
        "additionalInfoUri": "https://www.americanexpress.com/au/insurance/insurance-with-your-card/"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Card Purchase Cover",
        "additionalInfoUri": "https://www.americanexpress.com/au/insurance/insurance-with-your-card/"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Card Refund Cover",
        "additionalInfoUri": "https://www.americanexpress.com/au/insurance/insurance-with-your-card/"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Smartphone Front Screen Cover Insurance",
        "additionalInfoUri": "https://www.americanexpress.com/au/insurance/insurance-with-your-card/"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Buyer's Advantage Cover",
        "additionalInfoUri": "https://www.americanexpress.com/au/insurance/insurance-with-your-card/"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P55D",
        "additionalInfo": "Up to 55 interest free days on purchases",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "Membership Rewards",
        "additionalInfo": "2 points per $1 spent on all purchases, excluding government bodies.\n1 point per $1 spent at government bodies in Australia.",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/membership-benefits/the-explorer-card/"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Payment due reminder"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Spend tracking notification"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Payment received alert"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Amex Offers",
        "additionalInfo": "Whether it's shopping, dining, travel or entertainment, eligible Card Members can access Amex Offers providing statement credits or bonus points. Amex Offers must be saved to the Card and used for qualifying spend, subject to offer-specific criteria, to receive a benefit.",
        "additionalInfoUri": "https://www.americanexpress.com/en-au/credit-cards/membership-benefits/why-amex/offers/"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "American Express Experiences",
        "additionalInfo": "Get pre-sale tickets and access to some of your favourite events, and enjoy the Amex Entertainment Lounge before the show at select venues. With Amex, you can dive into unforgettable experiences.",
        "additionalInfoUri": "https://www.americanexpress.com/en-au/benefits/entertainment/events"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Centurion Lounge Access",
        "additionalInfo": "Enjoy two complimentary entries per year to The Centurion® Lounge at Sydney International Airport or Melbourne International Airport.",
        "additionalInfoUri": "https://www.americanexpress.com/en-au/credit-cards/explorer-credit-card/"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "$400 Travel Credit",
        "additionalInfo": "$400 to spend on travel each year\n\nReceive $400 to spend on eligible domestic and international flights, hotels or car hire with American Express Travel Online.",
        "additionalInfoUri": "https://www.americanexpress.com/en-au/credit-cards/explorer-credit-card/"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "The Hotel Collection",
        "additionalInfo": "Receive up to US $100 hotel credit and room upgrade (when available) at selected hotels in The Hotel Collection when you book two consecutive nights’ stay through American Express Travel. Subject to availability and eligibility criteria.",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/membership-benefits/the-explorer-card/"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Hotel Elite Status",
        "additionalInfo": "Enjoy complimentary Hilton Honors Silver status to make every stay more rewarding. T&Cs apply. Gain status with our partner's loyalty program. Earn points and enjoy benefits at eligible hotels and resorts within the Hilton Portfolio. To enjoy these benefits, enrolment is required.",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/membership-benefits/the-explorer-card/"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "The Centurion Lounge®",
        "additionalInfo": "You will receive access to The Centurion Lounge® at Sydney International Airport (T1) and Melbourne International Airport (T2). Your Card grants 2 complimentary single entry passes to The Centurion Lounge® each calendar year (1 January to 31 December). You just need to show your physical Card at the front desk."
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "3000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "You are an Australian citizen or permanent resident or hold a long term visa.",
        "additionalInfo": "Long term visa means 12 months or more and does not include a student visa."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Additional Cards are available for any friend or family member 16 years and over."
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Applications are assessed based on the information provided and are subject to credit approval."
      }
    ],
    "fees": [
      {
        "name": "Annual Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "395.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y"
      },
      {
        "name": "Additional Card Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Applies to the first 4 Additional Cards"
      },
      {
        "name": "Late Payment Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalValue": "When you do not pay the minimum payment required by the due date as shown on your statement."
      },
      {
        "name": "Currency Conversion Fee",
        "feeType": "PURCHASE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035"
        },
        "currency": "AUD",
        "additionalInfo": "3.5% of the converted amount. Payable when any charge is processed in a currency other than Australian dollars."
      },
      {
        "name": "Dishonour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "additionalInfo": "$6 for each dishonour or debit rejection. Payable if there aren’t enough funds in your nominated account to pay the Card Account or if the whole or part of a payment by direct debit is rejected."
      },
      {
        "name": "Over The Counter Fee",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD",
        "additionalInfo": "$3 Payable if you pay your Card Account in person at Australia Post by EFTPOS."
      },
      {
        "name": "Record of Charge Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.00"
        },
        "currency": "AUD",
        "additionalInfo": "$7 for charges in Australia, $10 for other charges"
      },
      {
        "name": "Additional Statement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable if you or an Additional Card Member requests an additional posted monthly paper statement. You may access statements free of charge through your online Account."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.2399",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": "Interest rate applied to outstanding balances not paid in full by the due date."
      }
    ]
  }
}