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American Express

The American Express Explorer Credit Card

Velocity Frequent FlyerA$400 travel credit, 2 Centurion Lounge visits/yr (SYD/MEL), travel insurance

Annual fee A$395

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Your result · A$4,000/mo · 10% overseas · Velocity Frequent Flyer
48,000points/yr
Net value+A$85
Rank#13 of 40

Earn by category

Dining & cafés14,400
Groceries7,200
Transport & fuel4,800
Online shopping9,600
Bills & subscriptions2,400
Travel & airfare4,800
Everything else4,800
Points a year · total 48,000

Earn rules

CategoryConditionsRateMonthly cap
Base earn1 pts / A$1
Everything elsePurchases at government bodies in Australia (incl. ATO, Australia Post). 1 MR point per A…calculated as 5% of this category0.5 pts / A$1None
  • Earns Membership Rewards points; calculated at 2 points = 1 point
  • Sign-up bonus: 37,500 points · 75,000 bonus MR points (= 37,500 Velocity at 2:1) for A$4,000 spend within 3 months (apply by 3 Nov 2026); new Amex Card Members only.
  • 1 point ≈ 1¢ (assumption, Oct 2026). Earn rates and annual fees follow each issuer’s disclosure.

Where these points go

This card earns or transfers to these programs.

Velocity Frequent FlyerVirgin Australia · 1 point ≈ 1¢Used in your result

Verified 2026-10-23 · American Express disclosure·Report an error