American Express Explorer Credit Card Referral Offer
Ended — kept for reference
$585 in Coles gift cards · 110,000 American Express points · spend $4,000 in 90 days
I'd like to use my bonus for:
$585 in Coles gift cards (117,000 of 118,000 American Express points; 1,000 left over) − $395 card fee. Assumes you earn the bonus and pay in full; extra spend or interest changes the outcome.
These terms ended and are kept for reference.
What this calculation assumes
- You make the required purchases and the bonus is paid.
- You pay the balance in full — any interest changes the outcome.
- The required spend is ordinary planned spending, not extra cost.
- Gift-card rates are the recorded redemption catalogue, rechecked at renewal.
Did this help you make a decision?
Can I get this?
This is a public offer.
Can I get this bonus if I have held a card before?
The bonus holding rule for this offer is unverified. Check the offer terms before applying.
See exclusion periods for every Australian issuer →What must I spend?
$4,000 within 90 days — about $1,333 per month. The terms on this page don't record when the clock starts or how long the bonus takes to arrive after you qualify — check the issuer terms for both.
Can I get the card?
No minimum income recorded — this does not mean there is none.
Lending approval is separate from bonus eligibility: approval gets you the card, the conditions above get you the bonus.
How long is this available?
Recorded end date: June 1, 2022.
Should I keep it after the first year?
Renewal costs $395 each year ($395 annual fee) — first year was $395.
No second-year bonus recorded — renewal buys ongoing earn and the card's benefits only.
Ongoing earn: 2.00x American Express points per $1.
Keeping pays off only if the ongoing earn and benefits are worth $395/yr to you.
Year-two points aren't dollar-valued here: the redemption catalogue may change before renewal, so recheck the rate then.
Terms and evidence
Full current terms
Offer terms
Signup Bonus
110,000 points
American Express
Minimum Spend
$4,000
within 90 days (about 3 months)
Cash Bonus
Offer Expires
June 1, 2022
4 years ago
Ongoing Earn Rate
2.00x points per $1 spent
Fees
First Year Annual Fee
$395
Ongoing Annual Fee
$395
From year 2 onwards
Purchase Interest Rate
21.00% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefit history (8 changes)
- Travel InsuranceUpdated May 2026
Now Up to $2,500,000 cover · trips up to 180 days.
- Installment PlansUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- Hotel BenefitsUpdated May 2026
- No Additional Cardholder FeeUpdated May 2026
- Lounge AccessUpdated May 2026
Now 2 visits/year · The Centurion Lounge.
Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Unknown publication date
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Discussion
About these ended terms — not the current offer.
Community and personal tools
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