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AmEx Explorer: 160,000 MR Points (Worth $800) + $395 Credit + $400 Travel Credit ($3000 Spend in 3 Months - $395 Annual Fee)

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AmEx Explorer: 160,000 MR Points (Worth $800) + $395 Credit + $400 Travel Credit ($3000 Spend in 3 Months - $395 Annual Fee)
Go to Deal
Associatedpohaau on 12/07/2021 - 17:18 pointhacks.com.au (6731 clicks)
Last edited 13/07/2021 - 08:27 by 1 other user

3 DAY FLASH DEAL - Offer Ends Midnight Thursday, JULY 15 - 2021

AMEX are offering an increased signup bonus of 160,000 Membership Rewards Points (worth $800 in Gift Cards). Plus, enjoy a $395 Statement Credit, which can be put towards offsetting the first year $395 annual fee. This is a limited time "3 Day Exclusive" offer that is only available through PointHacks.

The 160,000 bonus Membership Rewards (worth $800 in Gift Cards) & $395 Statement Credit offer is now live until Thursday, July 15th 2021.

Details include:

  • 160,000 bonus Membership Rewards (worth $800 in Gift Cards) + a $395 Statement Credit when you spend $3,000 on eligible purchases within the first 3 months of approval.

  • Earn 2 Membership Rewards points per $1 on all purchases except government bodies where you will earn 1 point per $1 spent (uncapped).

  • $400 Travel Credit every year.
  • Up to US$100 credit when you book a two consecutive nights stay with The Hotel Collection.
  • Free access to the Sydney or Melbourne Airport American Express lounge twice a year.
  • Complimentary Hilton Honors Silver Status
  • Included Insurances - smartphone screen insurance and various travel insurances (PDS).
  • Apple Pay, Google Pay & Samsung Pay support.
  • Access to American Express Plan It
  • Up 4 Additional Cards for family members or friends, at no extra fee.
  • Plus, receive up to 40,000 extra bonus points with Shop Small. Get 3 extra MR Points per $1 spent when you save the offer to your new Card via the Amex app, and spend in-store or online at participating shop small business by 31/03/2022.
  • Min Income: $65,000
  • Annual Fee: $395 (Statement Credit offsets 1st year Annual Fee)
  • Ends Thursday, July 15th 2021

View the full offer details only at PointHacks.

Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. Previous and existing bank-issued American Express companion cardholders are eligible for this offer.

This 3 Day Offer is only available exclusively through PointHacks and not available through any other channel, including if you go to AMEX directly or use a referral link (the offer there remains no bonus points).

Financial American Express Credit Card Membership Rewards Reward Points Statement Credits

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closed Comments

                • diazepam on 13/07/2021 - 13:45

                  @wxxnx: he said
                  1) one credit check
                  2) don't apply within 3 months for the same card - it'll auto reject

                  like @nightelves , do you know which is the correct department? thanks!

  • Nkl on 13/07/2021 - 12:27

    How early would you receive the card? If approved in a day or so that is, I think I should be fine.
    I have a pretty big birthday weekend in 2 weeks so would be nice to use the card towards the $3,000 spend minimum.
    Or could I use the google pay option if the card doesn't come in time?

    I couldn't find any information about it online.

  • wmxc on 13/07/2021 - 12:27
    +2

    I just got approved an hour ago. Provided my payslips and rental income statement yesterday towards the end of the application. Had chosen a credit limit manually and I chose the lowest amount of $ 3000.

    Also got a text saying card will be delivered in the next 7 business days.

    • Nkl on 13/07/2021 - 13:03

      Well this kind of answers my question I posted before seeing your comment.
      Thanks!

  • waltjizzney on 13/07/2021 - 13:02
    +1

    Whats the minimum credit limit you can get on this card? Looked at their website but can't seem to find that information

    • strike1 on 13/07/2021 - 13:18
      +1

      Mate did you even read the discussion before asking? Its mentioned in the comment by wxmc 👆 just above yours

      • waltjizzney on 13/07/2021 - 13:24
        +1

        Hahah fk my bad, thats what happens when you skim read some of the comments - thanks for pointing out!

    • wmxc on 13/07/2021 - 13:19
      +1

      see my comment above. you can choose manually. min is 3k

      • waltjizzney on 13/07/2021 - 13:24

        thanks chief only just read your comment now 😊

  • Lunarboogie on 13/07/2021 - 13:07

    I'm eligible for this card but only because my application three months ago for the Explorer was rejected - I was stunned. It was the first I've been rejected with Amex and when I called for more details, I was given no answers.

    So I re-applied this morning because this deal is slamming, submitted my bonafides and then got the 'we'll get back to you in 5-10 business days' spiel.

    Has anyone else received this and was still successful? I'm worried it's shorthand for 'computer says no'.

    • diazepam on 13/07/2021 - 13:10

      I'm worried it's shorthand for 'computer says no'.

      that's exactly correct. see my comments above.

      • Lunarboogie on 13/07/2021 - 13:14
        +1

        Yikes. It seems my stellar run gouging this mob to the tune of tens of thousands is behind me.

        For what it's worth, I've been in the same job for 20 years, I earn over three times the minimum salary, currently have two cards (with a credit limit of 17,000) and own my own house outright. Yet still can't get a 3k Amex card.

        Everything comes to an end. It was fun while it lasted!

        • diazepam on 13/07/2021 - 13:17

          In a similar situation as you so I'm pretty shocked too.

          Also, apparently the credit limit you choose doesn't matter - the system spits out a maximum number and they give you a credit limit up to the maximum you've chosen. That's what I was told over the phone so doesn't matter if you apply for $0 or $100k.

    • bohn on 13/07/2021 - 13:16

      I used to be fine with AMEX, but the last two times I have got this 5-10 day message.

    • wxxnx on 13/07/2021 - 13:18
      +3

      If you don't get system approval within that 60 sec slot, then 99.9% of the chance is declined. "we'll get back to you in 5-10 business days" should be treated as we'll call you back in 5-10 business days to tell you in person that you application is declined as you don't meet AMEX criteria.

    • wizzlesticks on 13/07/2021 - 22:55
      +1

      I got the 5-10 days generic email, but then was approved today.

  • diazepam on 13/07/2021 - 13:26
    +5

    I'm going to have to neg this deal based on:
    1) rejection rate - many people (myself included) who have stated should be eligible based on income, assets etc.
    2) AmEx criteria that is undisclosed
    3) Not being able to provide reasons for rejection (completely automated by computing systems)
    4) Stupid "5-10 business day response" when the call centre already knew the application was rejected
    5) Requiring to call up and ended up wasting >1 hour of my time and still being rejected after providing payslips, rental statements etc.

    Kudos to those who got it, I feel like this was more of a gamble than an application and a waste of a credit check.
    For what it's worth, I have a score on the borderline between very high and excellent on every credit provider.

    • jsam on 13/07/2021 - 15:43

      I'm in the same boat, higher salary, outright home, excellent credit rating on Equifax and Experian.

      Rejected first time in Jan, asked me to wait 3 months

      Another decline today

      Their offshore new account team is damaging AMEX brand

    • LikezDaBargainz on 13/07/2021 - 16:21
      +1

      I too am in this boat,. great rating, lots of income, the system said conditionally approved, then rejected on supply of proof.
      She wouldnt tell me why "overall rating", sounds like they're going for people who can't pay, instead of the ones who can.

    • El-Rhi on 13/07/2021 - 20:30

      What limit did you go for?

      • diazepam on 13/07/2021 - 21:15

        10k.

        Apparently the credit limit you choose doesn't matter - the system spits out a maximum number and they give you a credit limit up to the maximum you've chosen. That's what I was told over the phone so doesn't matter if you apply for $0 or $100k.

      • LikezDaBargainz on 14/07/2021 - 12:23

        5k

  • UnnecessarySpendings on 13/07/2021 - 13:31
    +1

    Applied and asked to upload documents. Received the 5-10 business days message. Will report back on what happens.

  • Lunarboogie on 13/07/2021 - 13:32

    Yeah it seems like they've raised their game. I also neglected to mention I have an excellent credit rating with Experian. So I'm not sure what is going on.

    I just live by the dude's maxim - sometimes you bite the bar, sometimes the bar bites you.

    • gdx on 13/07/2021 - 14:12

      I rent but fairly comfortably over the minimum wage requirement. I got an approved text message within seconds (no payslips etc).

      I think this is targeted at us poor/young folk.

      • AH on 13/07/2021 - 14:21

        Early 20s here. Same situation but no approval yet :/. Did you have to submit payslip or anything

        • gdx on 13/07/2021 - 23:52

          Submitted nothing except my credentials including license number. I've even got a NAB CC ATM. I've never had an AMEX.

          How are you comfortably over 60k in your early 20s. Mining?

          • AH on 14/07/2021 - 00:02
            +1

            @gdx: Hmm, still no response from them Currently in software, comparable to mining.

  • Mkak on 13/07/2021 - 14:05

    Very easy process, got the email saying 5 to 10 days, but then got confirmation email and text. Almost didn't read the limit page.

    • Mkak on 13/07/2021 - 15:26
      +1

      Is the document upload random as I didn't get asked for anything.

      • Kmartsecurityguard on 13/07/2021 - 20:41

        Yeh I never got any document upload section either, just did the credit check which was ultra fast answered the questions then got “we’ll contact you in 5-10 day” message plus email. My experian score is over 800 and my veda is over 900, got a home mortgage 1 car and 1 nab credit card, only 3 things total on my entire credit file so I guess we’ll see if I meet Amex’s criteria.

  • itsme56 on 13/07/2021 - 14:18
    +1

    I was approved and have 3 mortgages and 4 credit cards. I do have an excellent history with AMEX though. (Had many cards with them for many years up until almost 2 years ago when the royal commission changed how beneficial AMEX was with earning points).

    • nightelves on 13/07/2021 - 14:43

      I'm the same also. Had 6 cards previously with them including the Amex Platinum. But somehow now cannot even get an approval even for a $3k credit limit. Doesn't make sense, they're like the new Citibank.

      • itsme56 on 13/07/2021 - 14:44

        Yep I’ve been denied three or four times with Citi. Never been accepted and always met criteria. They’re they only ones who ever knock me back. Always successful everywhere else. Even ANZ after 4 churns welcomes me back.

  • chamd on 13/07/2021 - 14:29

    Never used Amex before, can someone please share their experience with extra surcharge applied on Amex cards and perhaps on limited stores accepting the card altogether?

    Many thanks

    • RichardF89 on 13/07/2021 - 17:10
      +1

      use it wherever no extra surcharge or use PayPal to pay online to avoid the surcharge

      • chamd on 14/07/2021 - 13:31

        Thanks mate. I better keep my existing one for such cases.

  • john_conner on 13/07/2021 - 14:56
    +3

    Applied last night & approval SMS today. FAST.
    Fwiw I got the 5-10 days email also - I think it’s so an actual person can verify the documents you upload.

  • melcool on 13/07/2021 - 14:57
    +1

    Great deal.
    Clicked through pointhacks, applied and approved.
    Wondering how could I know I will get these bonus when I receive my card? Thanks

    • nightelves on 13/07/2021 - 15:05

      When you meet the spend it'll credit within a day.

      • melcool on 13/07/2021 - 17:21

        thanks mate

    • Ultimate Warrior on 13/07/2021 - 17:05

      do you have to be a pointshack member to get these benefits? or just click through the pionts hack link and thats it?

      • melcool on 13/07/2021 - 17:21
        +1

        I just clicked through the link and applied. I am not a PH member.

  • raspudala on 13/07/2021 - 15:12

    Never applied for credit card just for points, but this one is tempting. What most of you do after 12 months, do you just cancel the card? I've free for life Citibank Signature card which I use for daily purchases, so Amex after 12 months is not as appealing with $400 fee even with a travel credit.

    • pyramid on 13/07/2021 - 15:13
      +1

      Cancel and wait for next deal

  • mc85 on 13/07/2021 - 15:16

    Would paying an ATO tax bill count towards the $3000 spend?

    Would love to take it up, but wouldn't make the minimum spend otherwise!

    • itsme56 on 13/07/2021 - 16:13

      Excludes government charges in most cases.

    • Lunarboogie on 13/07/2021 - 18:27

      Government is excluded for points earning but it may be sufficient to trigger the minimum spend.

      Perhaps check with AMEX. If you're anything like anybody else on here (if you're not, you ought to be), you probably don't care about the points earn but more about reaching the threshold spend.

  • Emblex on 13/07/2021 - 15:40

    First time applying for a credit card for points and benefits. I've got an existing one with home loan product. I meet the criteria comfortably for this card and I also received the we'll get back to you in 5-10 day message…. Quite disappointing if I'm not approved.

    • Emblex on 14/07/2021 - 15:36

      I got an email today with approval! Looks like a few others have as well after receiving the 5-10 days message.

  • Subrising on 13/07/2021 - 15:57

    Is it worth grabbing this or waiting for an Amex Qantas FF card in the future? New to credit cards but have high income.

  • JuryWheel on 13/07/2021 - 16:00

    Just clarifying, what do the expert point accumulators do with these points if the intend to cancel the card within the first year? I believe Amex dont allow you to keep points if you havent got a current card, is that right? DO you just transfer then out immediately to an airline and bank them there? Or are most just turning these into gift cards? (fyi, i have abt 300k in amex and was lookingat cancelling my card at some point and reapplying in 18 months to get another large amount but not sure what to do with the current points)

    • squarepants on 13/07/2021 - 16:07

      Transfer it out to airline or hotel loyalty programs. Popular one seems to be KrisFlyer although do note that KF miles expire 3 years from when they're transferred in or accrued.

      • whyisave on 13/07/2021 - 22:35

        KrisFlyer have an amnesty on their points, due to COVID.
        So, not exactly 3-years, but it is what is now.

        The one really annoying thing about KrisFlyer is, their points expire in "tranches".
        Every time, you redeem points, that bunch of points have their own expiry date, separate to other 'bunches of points'.

    • itsme56 on 13/07/2021 - 16:29

      Redeem for the $800 in cash

      • JuryWheel on 13/07/2021 - 16:33

        I figured most would be banking for overseas travel..? (not sure if i should both with this method since i have 3 kids under 9 - business class upgrades arent going to be happening anytime soon!!)

        • itsme56 on 13/07/2021 - 16:34

          These are AMEX points though, not Qantas points. So you loose value on transfer to another program.

    • Lunarboogie on 13/07/2021 - 18:33
      +9

      Normally, I'd recommend you ditch this card as soon as you get the bonus points and after using the $400 travel credit. But there is a little known quirk with the Explorer whereby the following year's $400 travel bonus is triggered at the 11-month mark. This means if you hold your horses until June 2022, you'll have $800 in your skyrocket (DrRalph pointed this lark out in a separate thread). Then just cancel immediately after use before triggering the following year's annual fee. Itu saja as we say in this part of KL.

      So depending on your plans, it may pay to hold on to this one for a wee bit longer than usual. I would probably do this, but Amex won't give me a card….sob sob (this is an amazing deal - everyone should jump on it!)

      • strike1 on 14/07/2021 - 00:35

        Very helpful comment!

      • illz on 14/07/2021 - 08:28
        -1

        This tip should be in the deal description. TY

  • raspudala on 13/07/2021 - 16:02

    During signup was asked if I want to get assigned maximum limit, which from what I understand is 50k - there is point having balance so high?

    • squarepants on 13/07/2021 - 16:09

      If you've got a high income, or put through large payments at a time, then probably yes.

      If not, just choose the minimum, unless you've got a big purchase to put through (e.g. whitegoods or PHI that may be above the minimum limit). You can always pay off the balance and continue using it.

      It'll also be a drag on your credit and may prevent you from acquiring or churning through other cards unless you've canned this one ahead of applying for the next.

      • raspudala on 13/07/2021 - 16:36

        thanks, selected 10k should me more than enough.

        • RichardF89 on 13/07/2021 - 17:08

          if you plan to cancel is soon no different. If you want to keep it. less limit is better as higher limit will impact you apply home load and another credit card

    • expatOz on 13/07/2021 - 19:42

      Max probably means the max you can get, not necessarily a fixed amount.

  • Sunproof on 13/07/2021 - 16:25

    Approved for a 3k limit today, thanks OP

  • ady211 on 13/07/2021 - 16:55

    Is it worth calling them as I got rejection call today morning?

    • watwatwat on 13/07/2021 - 22:27
      +1

      To talk about your feelings?

      They aren't going to reverse it or tell you why you were rejected so it is pointless.

  • slimdevil on 13/07/2021 - 17:03

    Applied last night. uploaded all the documents and got declined today. Never had issue with them before. Dont know why.

  • RichardF89 on 13/07/2021 - 17:06

    got approved today

  • bogstation on 13/07/2021 - 17:26

    After submitting the application last night, to which I attached last year's group certificate, I received the wait 5 to 10 business days result. Was approved earlier today.

  • ady211 on 13/07/2021 - 17:40

    Anyone not owning any property who got approved?

  • auxilrod on 13/07/2021 - 17:44

    Did anyone get approved without having to submit documents?

    • tnarg on 13/07/2021 - 18:29
      +2

      Yep - just took me about 4 minutes to apply and was approved straight away. Make sure you put your drivers license number in etc. That way they can reference check straight away

      • auxilrod on 13/07/2021 - 18:49
        +1

        I don't recall there being a place to put in driver's license number, but let's see how it goes. Thanks for replying

        • tnarg on 13/07/2021 - 18:50
          +1

          It's not a mandatory field, but i will always fill everything in to save myself any hassles later. Good luck

      • daemon on 13/07/2021 - 20:07
        +1

        Yep I just got instantly approved too! I wish all cc applications were this easy

    • cook99 on 14/07/2021 - 01:19

      Instant approval here, no docs uploaded

  • tnarg on 13/07/2021 - 18:30

    Great deal thanks OP, took me several minutes to fill the application and was approved straight away. I last had an AMEX 2 years ago i think so they may have had my details from before

  • avitherock on 13/07/2021 - 18:51

    I have CPA Amex card. I assume I am not eligible??

  • WhippnNae on 13/07/2021 - 19:45

    Another newbie question - is there any reason someone who is completely new to this shouldn't sign up for both the AmEx and ANZ black deals?

    • bohn on 13/07/2021 - 19:48

      Just make sure you can meet the minimum spend requirements.

  • Kmartsecurityguard on 13/07/2021 - 20:05
    -1

    I just applied using my ipad but thought the “do you wish to apply for the maximum credit limit” button said “do you wish to proceed” as in, complete your application the big green PROCEED button got me so I hit it. Guess I’ll find out shortly what Amex’s maximum credit limit is. Whoops

    • whyisave on 13/07/2021 - 23:14
      +1

      maximum credit limit is AU$ 50,00o,
      from what i remember.
      (i just saw it, in the application form)

  • Spennyrich on 13/07/2021 - 20:34
    -2

    does anyone know where you can get more information on what counts as spend? eg mortgage repayments, bnpl repayments

    and can spend me repaid immediately?

  • [Deactivated] on 13/07/2021 - 22:02
    +1

    signed up yesterday
    got asked for payslips and then approved
    (disclosure: my first Amex application)

  • whyisave on 13/07/2021 - 22:46
    +2

    Applied.
    Waiting 5-10 working days now.
    Pretty straight-forward application.

    Tip:
    Including driver's licence, in the application, speeds things up.

    • whyisave on 14/07/2021 - 23:50

      After application, got approval SMS in about 14+ hours .

      ETA for card is within 7+ days.

  • Tevada on 14/07/2021 - 01:32

    Does Anyone know if cancelling credit card in less than 12 months negatively impact your credit score?

    Or i have been fed lies?

  • Kmartsecurityguard on 14/07/2021 - 08:14
    -6

    Update, didn’t get approved, my Experian score is 810 my equifax score is 915. I own a home (mortgage) with 40% equity, have only two results on my actual credit report which is my home from the application check and nab credit card. I honestly think this amex offer is a targeted scam and you need to be a potential victim of paying interest to them to qualify, unfortunately if you pay everything on time as your credit rating now shows in detail all late payments and on time payments I guess your stuffed. Makes no sense to me

    Edit: I’ve negged this deal, it’s an obvious scam and will impact your credit file with a check when they damn well have a blatant criteria in place regardless how great your credit score is. I make double what the criteria sets out, no bad credit history, very high excellent credit scores across all credit reporting agencies, own home with 40% equity, never late ever with anything repayment wise, only have 1 credit card that I’ve had for years with nab. Their system is obviously pre set with a very specific criteria regardless of your credit history and it didn’t even ask me for any proof of income or anything knowing full well the system decline me before the application even got submitted but just got the “you’ll be notified in 5-10 days” message.

    • wmxc on 14/07/2021 - 09:04

      I don't think this deal is a scam.

      However I do think credit card providers look for applicants who are more likely to not pay the full amount they owe before the payment due date, which would mean interest being charged and hence making them money.

      In your scenario they saw that you are quite well off and hence able to easily make any repayments. So they don't want to 'easily' give you some cash for nothing.

      In my scenario, I have got a home loan, investment property loan and I am the only applicant (have a partner but did not include her in). My salary is not super high but well above the minimum requirement they asked. I have also 1 more credit card with me right now, which I am waiting to cancel as soon as I get my gift card. So I am thinking they saw all this and thought may be he wants another credit card because he is having difficulty. When I say 'they saw all this' I mean their computers with the fixed criteria.

      • spammingb on 14/07/2021 - 21:57
        -1

        That is literally illegal and against responsible lending regulations

    • watwatwat on 14/07/2021 - 09:43

      What percentage of your income do you save/invest per month?

    • I like freestuff on 16/07/2021 - 20:24
      -1

      Got approved immediately. I didn't even need to upload payslips or anything. Next day said the card is in the mail. Not sure what happened with you.

  • flyboysyd on 14/07/2021 - 09:20
    +1

    Approved yesterday after clarifying income with extra statements etc. Very easy to deal with over the phone, called them before applying to 100% check my 18months waiting period had expired. Actually impressed on the turn around considering they are swamped with applications from this deal.

  • edisonAU on 14/07/2021 - 09:41

    I applied and now need to wait for 8-10 days. Let's see if the computer says Yes or No.

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