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

3993

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

15 Jul 2021

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closed Comments

benderz on 14/07/2021 - 09:49

Applied Monday evening and approved Tuesday afternoon after uploading notice of assessment.
Much easier and faster than the last ANZ card but seems to be a coin flip with rejection judging from the comments.
viscountdiscount on 14/07/2021 - 10:01

Got excited and applied 10mins ago, and was approved instantly. For context, I've got no previous CCs, a HECS loan, ~90K salary package, no outstanding loans or mortgage, living with family. Wasn't asked for any supporting documentation either. Will be reading all these comments in more detail to see how I can hit that 3K+ in 3 months. My plan so far is to order some supplementary cards to give my family to groceries/fuel/etc and they can just pay me back whenever they want :)
waltjizzney on 14/07/2021 - 10:02

+3
Just got a call saying my application got denied lol.

No outstanding loans

2k credit card outside Amex

No mortgage

100k income package

great credit history

and they denied my application for 3k credit card, what a fkn joke
- watwatwat on 14/07/2021 - 10:07
  
  What percentage of your income do you save/invest per month?
  - waltjizzney on 14/07/2021 - 10:09
    
    On average 40-50% saved. Living with parents and have no expenses.
    - watwatwat on 14/07/2021 - 10:51
      
      Hm not bad. I wonder what their algorithm didn't like.
- fvn on 14/07/2021 - 11:45
  
  My application was also just denied. Similar financial situation to you. No current credit card and had previously held an Amex before. My first time being rejected for any credit card. Bizarre.
  - waltjizzney on 14/07/2021 - 12:08
    
    +2
    
    Yeah same here haha
    
    Its funny how they rejected me for this but I've got a pre-approval from a bank for more than 800k lol. Just annoying because this rejection affects my credit history. Wouldn't have applied if I knew there was a chance to get rejected lol.
    - El-Rhi on 15/07/2021 - 06:58
      
      It will have minimal, if any impact on your credit history… don’t worry, move onto the next one
- LikezDaBargainz on 14/07/2021 - 12:27
  
  From all the comments, a hunch they're not going for the ones with bigger incomes, no debt. Targeting those they will possibly make more $$$ from.
aussie1990 on 14/07/2021 - 12:09

+1

Applied Monday night. Got the usual they will respond within 5-10 days.

Didn't hear back. So called them 24 hours later and politely asked if they require any more info or docs from me.
The operator was helpful, said we have your docs already and did the assessment on the spot and approved me over the phone with a $6xxx credit limit. YMMV.
No other credit cards, no mortgage, no car loans, good credit history.

Previous Amex card holder. Have been really happy with their products & customer service. Much better than the other banks in my experience.
crumbo85 on 14/07/2021 - 13:14

+1

Applied Tuesday mid-morning and received the 5-10 days.
Accidentally uploaded the wrong document (along with the correct document) so rang them this morning to make sure it was ok (as I also received the email with a link to upload documents). Told me they were going to check my account and that they would do the assessment then and there - which they did and I was approved. Text message came about 10mins after call.
Mortgage, credit card (ANZ - about to cancel as soon as the gift cards turn up). Approved for $3k limit.
Told that it was lucky I rang as they have a mountain of applications to process today.
- aussie1990 on 14/07/2021 - 14:16
  
  +1
  
  Nice one. Welcome onboard. Such a good offer…..
td93 on 14/07/2021 - 15:02

Applied just then, called up immediately after application, and then it got approved over the phone! Too easy. However, I was informed that the Card will take around 10 business days to arrive due to COVID delays, so that sucks.
- spammingb on 15/07/2021 - 23:52
  
  Anyway to add this card to a digital wallet like google pay and start using it before the physical card arrives?
BuyLowLetsGo on 14/07/2021 - 15:16

Just signed up, approved on the spot. Picked the 6k limit. Prolly the easiest/quickest application EVER.
stan86 on 14/07/2021 - 16:08

Applied last night and uploaded proof of income docs. Just got the approval SMS.
Definitely a much better application process than ANZ and Citi
Shaneeo on 14/07/2021 - 17:45

+1

Applied last night and uploaded June payslip as requested and was told 5-10 days for response.
Received approval sms and email today. Very quick and easy process. Easier than Anz, and 100 times easier than HSBC.
Approval email doesn’t advise credit limit, so I guess I got the amount I requested?
El-Rhi on 14/07/2021 - 18:07

Just applied, instant approval. Did not even need to load payslips, great process.
watwatwat on 14/07/2021 - 18:29

I got the 7-10 days email yesterday and got an approval email just now.
gadgetguy on 14/07/2021 - 18:58

The value at $800 - is that based on converting points to gift cards? If so, which ones do they offer?
- stan86 on 14/07/2021 - 22:26
  
  +2
  
  Quite a few…Amazon, DJ, Myer, Coles, Woolies, Westfield
  
  Full list here: https://global.americanexpress.com/rewards/gift-cards?intlin…
  - whyisave on 14/07/2021 - 23:52
    
    +1
    
    Do you know if the Amazon gift cards work on .AU site or U.S. site only ?
    - Emblex on 15/07/2021 - 08:32
      
      I'd like to know this too. thanks!
      - nightelves on 16/07/2021 - 17:04
        
        @Emblex: Why don't you just get the Westfield giftcard. It is literally a credit card that you can use anywhere. It's so much better.
Michaelz101 on 14/07/2021 - 18:59

Approved!
john_conner on 14/07/2021 - 20:11

+1

Anyone get their card yet? I checked my letterbox several times for mail today haha.
- john_conner on 16/07/2021 - 14:07
  
  +1
  
  Ok it arrived today.
  Wow 4 days apply to card in hand. Amazing
Michaelz101 on 14/07/2021 - 21:22

Going to use it on a iPad Pro and a trip interstate next year then I’ll cancel before next year fee is triggered
- nightelves on 16/07/2021 - 17:05
  
  It's no annual fee plus right on the 11th month they give you the travel credit again.
naira on 14/07/2021 - 23:57

Thanks OP. Got approved right away even without uploading any document. So easy. Wish all applications are like this.
moo on 15/07/2021 - 00:17

Once you've applied, do you receive a confirmation email or SMS?
- Emblex on 15/07/2021 - 08:34
  
  Both. I also got an email and SMS a day after saying approved.
  - moo on 15/07/2021 - 09:29
    
    Thanks.
htc on 15/07/2021 - 08:48

-1

Is the deal still eligible if I applied yesterday but approved a few days later?
agalea101 on 15/07/2021 - 09:04

Ok just submitted payslips etc

Let's see what happens. Fingers crossed 🤞
- pyramid on 15/07/2021 - 09:46
  
  +1
  
  I would say ring them to avoid delay…
  - agalea101 on 15/07/2021 - 09:52
    
    Calling now cheers
    - agalea101 on 15/07/2021 - 10:09
      
      Approved over the phone. Nice os rep did a great job. Handled very smoothly.
      
      I like how they said welcome to American express family haha
      
      But I'm worried now. I got a Amex through Qantas within 18 months . Would that still count?
      - watwatwat on 15/07/2021 - 10:11
        
        -1
        
        @agalea101: The family that costs $395 per year.
      - squarepants on 15/07/2021 - 10:26
        
        @agalea101: As in you got an Amex issued Qantas card (discovery, premium or ultimate) in the last 18 months? I would say you probably won't get the points or statement credit, but hey, weirder things have happened.
        
        If you've already applied for it, just hope you get it.
        
        agalea101 on 15/07/2021 - 10:37
        
        @squarepants: Ah it was through Qantas deal similar to this. Issuer was Amex though
        
        Can't remember the exact card though not directly through Amex.
        
        The only reason why I knew was when I checked for email I saw Amex in sept last year lol
        
        Ah well I reached out to op for clarification
        .. hope it's positive 🤞
      - avitherock on 15/07/2021 - 10:29
        
        @agalea101: Dont think you will be eligible but you should have confirmed while on the call. I have Amex CPA Gold card and I was told that I was not eligible when I told them about my existing card.
      - ady211 on 15/07/2021 - 10:34
        
        +1
        
        @agalea101: I called them they said it's already rejected. Letter has been sent out if I want to challenge it can call them once I have the letter with me.
      - fedex11 on 16/07/2021 - 14:09
        
        @agalea101: Keep us posted if the bonus points come through!
  - Lunarboogie on 15/07/2021 - 10:21
    
    What's the number you rang them on? I had a missed call from Amex but when I try to call the 1300 number back it says the line is busy.
    - agalea101 on 15/07/2021 - 10:35
      
      Yeah 1300 number I called and chose 1st option for cc
hechesspee on 15/07/2021 - 09:46

Applied and uploaded docs on13th, got an approved email on 14th!…..Will keep checking the mailbox:)
Hello22 on 15/07/2021 - 11:14

Applied on the 14/07. Received a call this morning to confirm details and then 10min later received approval SMS.

I didn't need to supply any supporting docs. They just wanted to confirm my work email (gov) by getting me to read back a code they sent.
seamer on 15/07/2021 - 11:27
Applied this morning & called to follow-up as other comments did to speed up approval process

Operator reviewed bank statement and approved on the spot, approval SMS received immediately whilst on phone.

75k income
no mortgage
have HECs
have ANZ Platinum Card w/ 15k limit
- LegoLexus on 15/07/2021 - 23:02
  
  +1
  
  Did you call immediately after you applied the card? What do you say? Something like “hi can I get an update for my credit card apply process?”
  - seamer on 16/07/2021 - 08:34
    
    Called shortly after I submitted (within the hr). Basically just asked to see if my documents got uploaded properly and they then just go through your application to review - pretty easy!
    - LegoLexus on 16/07/2021 - 08:55
      
      called this morning and they said i still have to wait for their back team to process my application lol
      - LegoLexus on 16/07/2021 - 09:33
        
        +1
        
        @LegoLexus: Just an update, they called me back just now and went through the application, asked me to provide the payslip, and got approved straight away!
        
        seamer on 16/07/2021 - 10:48
        
        @LegoLexus: Congrats!
- AH on 15/07/2021 - 23:17
  
  How long ago did you get the anz card. Similar situation but got rejected. :(
  - seamer on 16/07/2021 - 08:37
    
    Got the ANZ card around mid-april. The AMEX operator initially assessed my bank statement incorrectly by assuming the income deposited into my accounts were gross pay (before tax), but they were all net pay after tax. I had to recorrect her and say it was all after tax (their requirement is min 65k gross).
    
    So if you submitted a bank statement only, there might be a chance whoever was assessing yours might have interpreted gross/net income incorrectly.
No Child Support on 15/07/2021 - 12:31

+1

Do i need it to be approved by 15th Thursday or just need to apply by then?
- pizzapock3t on 15/07/2021 - 12:35
  
  I assume, it would be so long as you’ve applied as they suggest a 5-10 day waiting period. As others have suggested would call up to speed up the process.
gadgetguy on 15/07/2021 - 12:47

+1

Did as others suggested, uploaded docs then called and got verified immediately. Got the SMS confirmation.

Very easy.
No Child Support on 15/07/2021 - 14:35

Got a we will notify in 5-10 working days. Do i call up or wait for the subsequent upload doc email?
- pyramid on 15/07/2021 - 15:07
  
  Call them
baagainboy on 15/07/2021 - 14:48

Applied today. Got approved with no documentation requested. American Express is the best.
strike1 on 15/07/2021 - 17:07

Thanks OP!
Got the 5 days message, called and was approved immediately.
- LegoLexus on 15/07/2021 - 22:28
  
  did you call them like straight away after you applied? what did you say over the phone, simply just say "hi can i have an update on the credit card apply process?"
  - strike1 on 16/07/2021 - 01:44
    
    Yes, kind of. I started by saying I would like to understand if the document I have uploaded is sufficient for you to process my application, or would you need supporting documents :)
    - LegoLexus on 16/07/2021 - 08:56
      
      did they approve over the phone? i just called them this morning and the lady said i will still have to wait for their back team to process my application, haven't asked me to provide any doc yet.
      - LegoLexus on 16/07/2021 - 09:34
        
        +1
        
        @LegoLexus: Just an update, they called me back just now and went through the application, asked me to provide the payslip, and got approved straight away!
sakurakiks on 15/07/2021 - 17:51

yay approved after almost 24hrs
Just finished spending the $2k for the ANZ Black, now I need lockdown to end to pay for some overdue birthday dinners, plus supermarket gift cards and maybe rent if it doesn't incur too much surcharges, then I'm set!
Pricebeat on 15/07/2021 - 21:18

Does it matter if we don’t get approved today, as long as the application is submitted?
- LegoLexus on 15/07/2021 - 22:29
  
  +1
  
  yes i think as long as you submitted, should be eligible for the offer if you got approved later.
spammingb on 15/07/2021 - 23:53

Anyway to add this card to a digital wallet like google pay and start using it before the physical card arrives?
- itsme56 on 16/07/2021 - 01:21
  
  Unfortunately not
  - spammingb on 16/07/2021 - 15:19
    
    Dam what about online purchases? Guess no go too?
    - itsme56 on 16/07/2021 - 15:31
      
      No you’ll need to wait until you get the card
No Child Support on 16/07/2021 - 10:09

Got rejected. Been getting rejected from Amex a lot lately. And not sure why. Recently got approved with ANZ almost instantly.

Are you guys putting in accurate expenses re: daily expenses, loan repayment, rent etc?

I have 3 other cards with a total limit of $34k, currently renting with a $280k mortgage. Salary exceeds the minimum for this. Never ever missed a payment
- JuryWheel on 16/07/2021 - 11:49
  
  Rejected straight away?
  - No Child Support on 16/07/2021 - 13:46
    
    They called me to double check all the numbers I put in (salary, expenses, credit card limit etc) then was told I was rejected
    - nightelves on 16/07/2021 - 17:08
      
      Yeah I've tried different combination from the past three Amex rejection and I'm not sure what it is that they are using to approve or decline someone.
- El-Rhi on 16/07/2021 - 11:55
  
  $34k existing CC limits? That’s around $1,300 added to your monthly expenses. Chances are you failed serviceability due to that.
  
  Doesn’t matter if you don’t put accurate living expenses, they would use the HEM benchmark
  - No Child Support on 16/07/2021 - 13:48
    
    It’s annoying. I got rejected in the past with amex with a lower cc limit. Haven’t missed a payment and credit score is pretty high
knobbs on 16/07/2021 - 11:41

Applied last night at 11pm. Got the 5-10 business day email. Called this morning, asked if I am actually full time and then on hold to be approved.
Currently 36k in other CCs (only applied last week for 15k ANZ), mortgage, dependant, well above min income.
- No Child Support on 16/07/2021 - 13:49
  
  I kinda BS the loan repayment and daily expenses. Were you accurate with yours?
  - knobbs on 16/07/2021 - 15:21
    
    Loan repayment no, others are already pretty low they usually get questioned
whey4000 on 16/07/2021 - 11:53

+1

Applied on the 14th and was approved.

Received a call which I missed this morning from 02 9271 1111 and they left a message to call them back on 1800 411 790 saying they were from American Express. Tried calling that number back but it kept ringing out with no answer, so I called the number on the Amex website and after verifying my details they said they had no record of any calls going out to me. Very Strange.
Optimistic Goat on 16/07/2021 - 12:54

+1

I applied on 13/07/21 and received the card today (16/07/21). The application process was also insanely fast, they didn't even ask for any payslips or anything. My only question is if there is any record of the deal I signed up to on my account and how long after I can expect to wait for the points after reaching the spending requirement?
- john_conner on 16/07/2021 - 14:09
  
  Yeah I didn’t get any written details on the bonus deal either.
  Edit: ok just call them, they can confirm welcome offer on your account. So all good.
szy2k on 16/07/2021 - 13:29

I am in the same situation, cannot believe how smooth the whole application is and how quickly the card has arrived.
EarlyBird on 16/07/2021 - 14:04

I still have credit from my cancelled flights with Amex Travel. I wonder what would happen to the credit if I cancelled my card
UnnecessarySpendings on 16/07/2021 - 14:31

+3

Approved on 13 July 2021.
Card arrived on 16 July 2021.
Using the Amex mobile app, I confirmed with chat support that this offer applies to my card.
- itsme56 on 16/07/2021 - 19:40
  
  Dang you guys are lucky. I was approved on same day but no card in mailbox today.
- WhatsTheBigDeal on 18/07/2021 - 10:05
  
  Same dates - going to chat to see if the offer has been applied - thanks for the tip!
- melcool on 19/07/2021 - 10:25
  
  May I ask what chat did you use to confirm this offer was applied to your card?
  - UnnecessarySpendings on 19/07/2021 - 11:12
    
    It's the option to chat with support in the iOS Amex mobile app.
iamtezr on 16/07/2021 - 16:21

Hi,
First time Amex card holder. Got some questions.
Received my card as well as the supplementary/additional card for the wife.
Does the supp/additional card counts as towards her credit check?
When activating her card does it get added to my account?
Is there any benefit of the supp/additional card?
Is there any option to cancel the supp/additional card since it hasn't been activated yet?
Also is there a way to lower your credit limit since i set mine to auto.
Thanks
- Korban Dallas on 16/07/2021 - 19:17
  
  +1
  
  No doesn't effect credit rating. Easy to change tour limit via app
  - iamtezr on 16/07/2021 - 20:04
    
    thanks mate.
    found the limit in the app. jumped on the chat and asked support about the credit rating but they couldn't give me an answer.
    - Korban Dallas on 17/07/2021 - 00:11
      
      +1
      
      Like literally in finder there is no credit application on file but does show I have an Amex.
      
      Amex isn't retarded like ANZ and Suncorp and have amazing customer service.
      
      Supplement card is the same account but your wife's name will be marked on the transactions.
      
      Benefit is to help accumulate points. But if you have NFC kinda a moot point.
      - kerfuffle on 19/07/2021 - 08:19
        
        @Korban Dallas:
        
        Benefit is to help accumulate points.
        
        And take advantage of multiple Amex Statement Credit offers
sim777 on 17/07/2021 - 14:40

Quickest approval - signed up online and within 2 hrs received a call from Amex to confirm identity - didn't even need to submit any documents. Was informed over the phone I was approved for a 20k limit. Received card today. No previous CC with Amex and have only ever had one previous card which was ANZ black

This was posted 3 years 4 months 10 days ago, and might be an out-dated deal.

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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