• expired

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

3993

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).

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  • 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.

  • 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 :)

  • +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

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

      • On average 40-50% saved. Living with parents and have no expenses.

        • Hm not bad. I wonder what their algorithm didn't like.

    • 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.

      • +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.

        • It will have minimal, if any impact on your credit history… don’t worry, move onto the next one

    • 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.

  • +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.

  • +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.

    • +1

      Nice one. Welcome onboard. Such a good offer…..

  • 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.

    • Anyway to add this card to a digital wallet like google pay and start using it before the physical card arrives?

  • Just signed up, approved on the spot. Picked the 6k limit. Prolly the easiest/quickest application EVER.

  • Applied last night and uploaded proof of income docs. Just got the approval SMS.
    Definitely a much better application process than ANZ and Citi

  • +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?

  • Just applied, instant approval. Did not even need to load payslips, great process.

  • I got the 7-10 days email yesterday and got an approval email just now.

  • The value at $800 - is that based on converting points to gift cards? If so, which ones do they offer?

    • +2

      Quite a few…Amazon, DJ, Myer, Coles, Woolies, Westfield

      Full list here: https://global.americanexpress.com/rewards/gift-cards?intlin…

      • +1

        Do you know if the Amazon gift cards work on .AU site or U.S. site only ?

        • I'd like to know this too. thanks!

          • @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.

  • Approved!

  • +1

    Anyone get their card yet? I checked my letterbox several times for mail today haha.

    • +1

      Ok it arrived today.
      Wow 4 days apply to card in hand. Amazing

  • Going to use it on a iPad Pro and a trip interstate next year then I’ll cancel before next year fee is triggered

    • It's no annual fee plus right on the 11th month they give you the travel credit again.

  • Thanks OP. Got approved right away even without uploading any document. So easy. Wish all applications are like this.

  • Once you've applied, do you receive a confirmation email or SMS?

    • Both. I also got an email and SMS a day after saying approved.

      • Thanks.

  • -1

    Is the deal still eligible if I applied yesterday but approved a few days later?

  • Ok just submitted payslips etc

    Let's see what happens. Fingers crossed 🤞

    • +1

      I would say ring them to avoid delay…

      • Calling now cheers

        • 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?

          • -1

            @agalea101: The family that costs $395 per year.

          • @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.

            • @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 🤞

          • @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.

          • +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.

          • @agalea101: Keep us posted if the bonus points come through!

      • 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.

        • Yeah 1300 number I called and chose 1st option for cc

  • Applied and uploaded docs on13th, got an approved email on 14th!…..Will keep checking the mailbox:)

  • 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.

    • 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

    • +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?”

      • 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!

        • called this morning and they said i still have to wait for their back team to process my application lol

          • +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!

    • How long ago did you get the anz card. Similar situation but got rejected. :(

      • 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.

  • +1

    Do i need it to be approved by 15th Thursday or just need to apply by then?

    • 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.

  • +1

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

    Very easy.

  • Got a we will notify in 5-10 working days. Do i call up or wait for the subsequent upload doc email?

    • Call them

  • Applied today. Got approved with no documentation requested. American Express is the best.

  • Thanks OP!
    Got the 5 days message, called and was approved immediately.

    • 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?"

      • 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 :)

        • 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.

          • +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!

  • 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!

  • Does it matter if we don’t get approved today, as long as the application is submitted?

    • +1

      yes i think as long as you submitted, should be eligible for the offer if you got approved later.

  • Anyway to add this card to a digital wallet like google pay and start using it before the physical card arrives?

    • Unfortunately not

      • Dam what about online purchases? Guess no go too?

        • No you’ll need to wait until you get the card

  • 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

    • Rejected straight away?

      • They called me to double check all the numbers I put in (salary, expenses, credit card limit etc) then was told I was rejected

        • 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.

    • $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

      • 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

  • 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.

    • I kinda BS the loan repayment and daily expenses. Were you accurate with yours?

      • Loan repayment no, others are already pretty low they usually get questioned

  • +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.

  • +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?

    • 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.

  • I am in the same situation, cannot believe how smooth the whole application is and how quickly the card has arrived.

  • I still have credit from my cancelled flights with Amex Travel. I wonder what would happen to the credit if I cancelled my card

  • +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.

    • Dang you guys are lucky. I was approved on same day but no card in mailbox today.

    • Same dates - going to chat to see if the offer has been applied - thanks for the tip!

    • May I ask what chat did you use to confirm this offer was applied to your card?

      • It's the option to chat with support in the iOS Amex mobile app.

  • 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

    • +1

      No doesn't effect credit rating. Easy to change tour limit via app

      • 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.

        • +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.

          • @Korban Dallas:

            Benefit is to help accumulate points.

            And take advantage of multiple Amex Statement Credit offers

  • 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

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