Amex Explorer Card HK Review: 26,000 + 6,000 Miles
Amex Explorer® Credit Card (Hong Kong) review covering the up to 26,000 welcome miles, the extra 6,000 referral miles, the HK$30,000 spend target and the annual fee.
Rating
3.9/5
Best for
Frequent travellers in Hong Kong who can put HK$30,000 of planned spend on one card in 3 months and repay in full.
The Explorer is one of the stronger miles welcome offers in Hong Kong: up to 26,000 welcome miles plus 6,000 more for applying through a referral, with the first-year fee waived. It only works if HK$30,000 of normal spending in 3 months is realistic for you — and if the places you spend take Amex.
Pros
- Up to 26,000 welcome miles + 6,000 referral bonus miles
- First-year annual fee waived
- Good foreign-currency miles rate per Amex
Watch-outs
- HK$30,000 in 3 months is a high target
- HK$2,200 annual fee from year two unless waived
- Amex acceptance is narrower than Visa/Mastercard
Current related offer
American Express Hong Kong offer pageProvider
American Express Hong Kong
Apply for the American Express Explorer® Credit Card (Hong Kong) through this referral. Amex Hong Kong's current welcome offer gives new Cardmembers who apply by 31 October 2026 up to 26,000 welcome miles when they spend HK$30,000 within the first 3 months of Card approval, and applicants who come through a referral can earn an extra 6,000 bonus miles. The first-year annual fee of HK$2,200 is waived; after that Amex says it can be waived with HK$150,000 annual spend. Credit card spending is borrowing — only spend what you can repay in full. Live Amex Hong Kong terms control.
Requirement: HK$30,000 eligible spend within the first 3 months of Card approval for up to 26,000 welcome miles; apply by 31 October 2026
Hard10-15 minutes to apply, plus approval and 3 months of qualifying spendPayout Welcome and referral bonus miles credit after the spend requirement is met, per Amex Hong Kong's welcome-offer terms
Verified 24 September 2026 · Ends 31 October 2026
Full claim instructions are on the American Express Hong Kong offer page.
Who it suits
It suits people who already spend heavily on travel and overseas, want miles rather than cash back, and clear the balance every month.
Skip it if reaching HK$30,000 would mean buying things you do not need, or if you held an Amex Hong Kong basic Card in the past 12 months.
Reward and requirements
Apply by 31 October 2026 and spend HK$30,000 within 3 months of approval for up to 26,000 welcome miles. Referral applicants can earn an extra 6,000 bonus miles.
The HK$2,200 annual fee is waived in year one; Amex says HK$150,000 annual spend waives it after that.
FAQ
- Is the Amex Explorer worth it for the welcome miles?
- Yes if HK$30,000 of planned spend in 3 months is easy for you and you repay in full. If not, a card with a lower spend target is the safer pick.
- Does applying through a referral add anything?
- Yes. Amex Hong Kong gives referral applicants an extra 6,000 bonus miles on top of the welcome offer, under its referral terms.
Last updated 24 September 2026. Reviews are informational only and not financial advice.