American Express Explorer Credit Card Targeted Offer
Ended — kept for reference
This page is my best effort to summarise the card's terms from the information I found. Read the bank's terms for full details, or contact the bank if you have questions.
I'd like to use my bonus for:
Can I get this?
This offer is only for invited customers.
Can I get this bonus if I have held a card before?
I have not checked the waiting period for this bonus.
See the waiting rules for every Australian bank →What must I spend?
$4,000 within 90 days — about $1,333 per month.
Can I get the card?
I do not have a minimum income for this card.
Meeting the bonus rules does not mean the bank will approve your application. The bank must assess and approve the card separately.
How long is this available?
The listed end date has passed: 2 December 2025. Date comparison uses the Australia/Sydney calendar. The issuer’s closing time and timezone are not recorded. Check availability with the issuer.
Should I keep it after the first year?
Keeping the card costs $395 each year ($395 annual fee) — the first year was $395.
There is no bonus in year two. The fee buys points on your spending, plus the card's perks.
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.
$535 in Coles gift cards (107,000 of 108,000 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.
This offer has ended. I keep this page so you can check the old terms.
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.
- You close the card before the next annual fee, or you decide keeping it is worth that fee.
- Gift card prices can change. I check them again at renewal time.
Did this help you make a decision?
Terms and evidence
Full current terms
Offer terms
Signup Bonus
100,000 points
American Express
Minimum Spend
$4,000
within 90 days (about 3 months)
Cash Bonus
Offer Expires
December 2, 2025
10 months 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
23.99% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
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 (3 versions — old terms, for checking)
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Changes from terms version 2
Changes from terms version 1
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 (published 28 Jul 2025) — not the current offer.
Community and personal tools
Track this card, or suggest a correction. Sign-in required.