Amex Explorer Card Review: Benefits, Lounge Access, and Fees Explained
Is the Amex Explorer card worth it? Our review dives into the benefits, lounge access, insurance, and fees.


*Pricing claim based on comparative data for select airports and passes. Live pricing is subject to exchange rate fluctuations.
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If you have an American Express card that earns Membership Rewards points, those points do not have to sit idle. One popular option for Australians is to transfer them into your Qantas Frequent Flyer account, where they can go towards reward flights, upgrades, and more.
This guide walks through how to link your AMEX to Qantas, how the transfer actually works, and the key things to know before you move any points over. We'll also introduce the Wise card as a smart way to manage your spending when those Qantas points take you somewhere abroad.
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Yes, if your American Express card earns Membership Rewards points, Qantas Frequent Flyer is a transfer partner of the program.1
It is worth noting that not all AMEX cards in Australia work the same way. Some cards, such as the co-branded Qantas American Express Ultimate Credit Card, earn Qantas points directly on spend. These cards do not go through Membership Rewards, so there is nothing to link or transfer. The process in this guide applies specifically to AMEX cards enrolled in the Membership Rewards program, such as the American Express Explorer Credit Card or the American Express Platinum Card.
If you are not sure which program your card uses, log in to your American Express account and check whether your points balance is listed under Membership Rewards.
Before you can transfer any points, you need to add your Qantas Frequent Flyer account to your Membership Rewards profile. You only need to do this once.
Here is how to link your AMEX to Qantas:1
- Log in to your American Express account at americanexpress.com/en-au
- Go to your Membership Rewards Dashboard
- Select Travel and then Airline Partners
- Find Qantas Frequent Flyer in the list and select Add Account
- Enter your Qantas Frequent Flyer membership number and personal details exactly as they appear in your Qantas account
- Submit your request
Your Qantas account will need to be verified by AMEX before the link is confirmed. Once it is, you are ready to transfer.
If you are not yet a Qantas Frequent Flyer member, you can join for free on the Qantas page before completing the steps above.
Once your accounts are linked, transferring is straightforward. Here is how to do it:1
- Log in to your American Express account
- Open your Membership Rewards Dashboard
- Navigate to Travel, then Airline Partners
- Select Qantas Frequent Flyer
- Enter the number of Membership Rewards points you want to transfer
- Review the details carefully, as transfers cannot be reversed
- Confirm the transfer
Transfers typically take up to one business day to appear in your Qantas account, though they are often faster than that.1
The conversion rate between AMEX Membership Rewards points and Qantas points depends on the specific card you hold and the Membership Rewards program tier you are enrolled in.
For cards enrolled in the Membership Rewards Ascent Premium program, the typical transfer rate is 1 Membership Rewards point = 1 Qantas point.1 This applies to premium cards such as the American Express Platinum Card and the American Express Explorer Credit Card.
For cards enrolled in the Membership Rewards Ascent program, the rate is generally lower, often 2 Membership Rewards points = 1 Qantas point depending on the card.
Check your specific card's terms or the Membership Rewards Dashboard for the exact ratio that applies to your account before you transfer, as rates can vary and can also change over time.
Before moving your points across, there are a few important things to keep in mind:
While earning points with your AMEX credit cards can be a great perk, spending internationally with credit cards often comes with hidden costs like high foreign transaction fees and poor exchange rates. The Wise card is a simple way to save up to 4x when you're spending internationally. You can spend in 150+ countries at mid-market rate — basically the rate you see on Google. With no foreign transaction fees and low, transparent pricing, Wise usually gives you the best value for your money.

Simply create a Wise account for free, order a card and top-up AUD to get started. Having a physical Wise card allows you to make chip and pin payments, as well as make some free ATM withdrawals each month for when you're abroad. You can get digital cards and add to your Google or Apple Pay wallet for instant use. Spend directly with the Wise account in AUD and let auto-conversion do the trick or convert in advance to your desired currency. You can hold and exchange 40+ currencies in your Wise account and spend the currencies you hold for free.
Wherever your travel takes you, the Wise card makes spending money abroad cheaper and easier.
This general advice does not take into account your objectives, financial circumstances or needs and you should consider if it is appropriate for you. Savings claim based on our rates vs. selected Australian banks and other similar providers in Jan 2026. To learn more please visit https://payout-surge.live/au/compare%3C/a%3E%3C/p%3E
Please see Terms of Use and product availability for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.
Transfers are often completed quickly, but AMEX advises allowing up to one business day for the points to appear in your Qantas account.1
No. Qantas points converted from AMEX Membership Rewards can only be transferred into the Qantas Frequent Flyer account of the primary cardholder.1
Membership Rewards points do not expire as long as your account remains active and in good standing. However, once transferred to Qantas, the points are subject to Qantas Frequent Flyer's expiry rules, which require account activity at least once every 18 months.
No. Transfers from AMEX Membership Rewards to Qantas are one-way and final. Once points have been converted, they cannot be returned to your Membership Rewards account.1
If you are heading abroad on a Qantas reward booking, consider using the best travel card for overseas for your day-to-day spending. A dedicated travel card like the Wise card avoids foreign transaction fees and currency markups, helping your travel budget go further.
Sources:
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
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