This guide will show you how to get the American Express Explorer Card in Australia. It’s perfect if you live in Australia and want a travel rewards card that’s a bit fancy. The AMEX Explorer Card lets you earn Membership Rewards points, often comes with a welcome bonus, and gives you travel insurance plus other perks for travellers. It’s among the best travel cards out there, but it does have an annual fee that matches its rewards and benefits.
Here, we give you an easy-to-follow guide on applying for the American Express Explorer Card. We’ll talk about who can get it, what documents you need, how to apply online, by phone, or in person, how long it takes, what it costs, and its benefits. We’ll also share tips to help you get approved and remind you to use the card wisely.
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Remember, the details about this card, like fees and offers, can change. So, before you apply for the AMEX Explorer in Australia, make sure to check the most current info on the American Express Australia website. Also, read the Product Disclosure Statement and Target Market Determination. This guide is based on info from American Express Australia, ASIC, and Australian financial advice, plus comparison websites such as Finder, Canstar, and Choice.
American Express Explorer Card
Key Takeaways
- The AMEX Explorer Card Australia targets travellers who want Membership Rewards points and travel protections.
- This guide explains how to apply American Express Explorer Card Australia online, by phone or in person.
- Read current terms on the American Express Australia website and review the Product Disclosure Statement.
- Prepare ID, income details and supporting documents to improve approval chances.
- Compare fees, interest and benefits with comparison sites like Finder and Canstar before applying.
How to apply American Express Explorer Card Australia
Applying for the American Express Explorer Card in Australia is easy. First, make sure you have the right information ready. This includes checking the eligibility requirements and preparing your identity and income documents. This will make the application process faster. You can apply online, by phone, or get help in person through official AMEX channels.
Eligibility criteria and required documents
In Australia, to apply for AMEX, you must be over 18 and an Australian citizen, permanent resident, or have a valid visa. It’s important to have a steady job or a reliable source of income. This helps your application. Your credit history is also checked. If you’ve had financial trouble recently, it might affect your chances.
For the AMEX application, you’ll need a photo ID like a driver’s licence or passport. You’ll also need another form of ID or something to prove where you live, like a Medicare card or a utility bill. Don’t forget about your income proof, which could be your recent payslips or tax returns. Make sure you have your contact details ready. Some people may need to provide a TFN or ABN, but it’s okay to choose not to.
AMEX might check your identity online to save you time. This means you might not need to upload lots of documents. If you do need to upload something, make sure the scans or photos are clear. This helps avoid any delays.
Step-by-step online application process
Start applying for the AMEX Explorer Card online by visiting the American Express Australia product page. Click on the Apply or Apply now button. You’ll be asked for personal and work details as well as financial information. Make sure all the information matches your ID and bills.
- Complete personal details: name, date of birth, residential address and previous addresses if requested.
- Provide employment and income details: employer name, employment status, gross annual income and other income sources.
- Declare financial details: monthly housing costs, existing loans and current credit limits on other cards.
- Consent and declarations: agree to credit checks, the privacy statement and Product Disclosure Statement before submission.
Sometimes, AMEX will let you know right away if you’re approved. If they need more information, they’ll ask for more documents or verification. Immediate decisions are common for simple cases. But if they need more from you, it might take a few extra days. Once approved, your card should arrive in 5–10 business days.
Before You Apply: Basic Eligibility Requirements
Before starting the application, make sure you meet the typical criteria for this card. In most cases, you will need to:
Be at least 18 years old.
Live in Australia and be an Australian citizen, Permanent Resident, or hold an eligible long-term visa.
Meet the minimum annual income requirement before tax (commonly $65,000 or $75,000, depending on the offer and assessment).
Have a solid credit profile with no major negative history.
Step 1: Go to the American Express Australia Website
The application process begins on the official American Express Australia site.
Start on the American Express homepage.
From the main menu, open the section for Cards (sometimes shown as Credit Cards).
Under Personal Cards, select the option that lets you view the full list of personal card products.
Step 2: Find the American Express Explorer Card
Once you reach the personal cards comparison page, you’ll see multiple card options across different categories.
Browse the list and locate the American Express Explorer Card, which is usually grouped under rewards or travel-focused cards.
When you find it, click “Learn More” to open the Explorer Card’s full product page.
Step 3: Start the Online Application
On the Explorer Card page, take a moment to read the key details before applying.
Review important items such as the annual fee, the current welcome bonus (Membership Rewards points), and the insurance benefits.
When you are ready, click the button that says “Apply Now” or “Apply Online” to begin.
Step 4: Fill Out the Application and Submit
After clicking apply, you will be taken to American Express’s secure online application system.
You’ll first be asked whether you are an existing American Express customer, since this can affect the verification steps.
Then you will complete a multi-step form, which typically asks for:
Your personal information, including your full name, Australian residential address, and identification details (such as a driver’s licence or passport).
Your income details, including salary and any additional earnings, confirming you meet the minimum requirement.
Your financial situation, including assets, debts, and regular expenses.
Before submitting, you’ll be shown a final review page where you can confirm the fees, conditions, and the welcome bonus requirements.
American Express often provides an outcome within minutes. If approved, your Explorer Card will be mailed to the address you provided.
Applying by phone or in person
If online verification doesn’t work or you want help, try applying over the phone or in person. Call the official AMEX number in Australia for assistance. The representative will help you apply and tell you how to send your documents safely. They’ll also check your identity and credit.
AMEX doesn’t have many physical branches. If you need in-person help, ask the AMEX team for suggestions. They might know of bank branches that can assist. Whether you apply by phone or in person, quick responses to document requests help. Use online portals or secure links to send information.
Benefits, fees and tips for approval
The AMEX Explorer offers Australians travel rewards and protections. You earn points on buys and enjoy American Express travel benefits. This includes free travel insurance and airport benefits. Always check American Express for current deals before applying, as starting bonuses can help with the first year’s cost.
Key benefits of the AMEX Explorer Card for Australians
The Explorer card lets you earn points that can be swapped for flights, upgrades or goods with AMEX partners. The value you get per point changes depending on how you use them. Travelers often benefit most from transferring points to airlines or booking flights. You also get extra warranty, purchase protection, concierge services, and discounts.
Travel insurance is included. The Product Disclosure Statement has the details on what’s covered. Use these benefits and partner deals to make travel and purchases more affordable. This helps decide if the card suits you.
Fees, interest rates and other costs to consider
Check the AMEX website for the latest fees and the yearly charge for the American Express Explorer. Remember, carrying a balance means paying interest on buys and cash advances. If you’re spending abroad, check for foreign transaction fees.
Other costs might include fees for late payments, extra cards, and balance transfers. To reduce fees, use any sign-up bonuses wisely and earn as many points as possible. Also, use your points on travel or deals that offer good value over the yearly fee.
Look at similar premium travel cards from ANZ, Commonwealth Bank, Westpac, and NAB. Compare them to your spending and travel habits to find the best match.
Practical tips to improve your approval chances
Before applying, get your credit report from Equifax, Experian or Illion and fix any mistakes. Lower the amount you owe on other cards and keep up with payments. Lenders don’t like it if you’ve applied for lots of credit recently.
Apply when your job and income are steady. Wait for negative credit marks to get older or be fixed. Try the AMEX soft-search tool to check your chance of approval without hurting your credit score.
When you apply, be sure your documents and income details are correct. Lowering your debt, avoiding new credit, and having your payslips or tax records ready can help get your AMEX approved faster.
Conclusion
To apply for the AMEX Explorer in Australia, begin by checking if you’re eligible. Gather your ID, income proof, a passport or driver’s licence, recent payslips or tax return, proof of address, and reliable contact info. These documents help speed up the verification process and reduce delays, whether you’re applying online or by phone.
You can complete the application on the official American Express Australia site or call AMEX Australia if you prefer talking to someone. Once you’ve applied, use the AMEX portal to keep track of your application. Be ready to provide any extra info they might ask for. Following these steps can make the application process smoother and quicker.
People in Australia often choose the AMEX Explorer Card for its rewards points and bonuses, travel and purchase protections, and special offers. But before you apply, make sure to check the latest offers, fees, and read the Product Disclosure Statement on the American Express website. Also, look at your credit report with Equifax, Experian, or Illion, and get advice from ASIC MoneySmart to be more informed.
Once you have the card, use AMEX’s online tools and phone support for any questions and to monitor your account. Be smart about using your card: always pay off the full balance to avoid interest. Focus on using bonus categories and partner deals to get the most value. Each year, compare the card’s benefits to its fees to make sure it’s still right for you.
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