Make togetherness even more rewarding

With your American Express Explorer® Credit Card, every moment with friends becomes another opportunity to get more from life, whether you’re treating yourselves to a well-deserved getaway or checking out a hot new restaurant in town.

Until October 31, 2025, every successful referral for the Explorer Credit Card will earn you and your friends the new rewards shown below with additional onsite exclusive rewards at the 2025 Wine & Dine Festival.

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Remarks:

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Not applicable for Cardmembers who are currently holding or applicants who have held or cancelled any approved Basic Credit Card or Charge Card issued by American Express Hong Kong within the past 12 months from the date of this application.

1

Each referrer can receive a maximum of HK$10,000 Statement Credit of referral bonus within the promotion period, meaning each referrer can make up to 20 successful American Express Explorer Credit Card referrals within the promotion period via this online Member-Get-Member program. American Express Explorer Credit Card Referral Program Terms and Conditions apply.

2

Only applicable for Basic Cardmembers who submit their Card application online and all required valid documents within 7 days from the date of application submission, and upon successful designated spending made with the Basic Card or Supplementary Card in the first 3 months of Basic Card approval. Welcome Offers Terms and Conditions apply.

3

Referrer and referee will each receive one instant reward for every on-site successful application. Offer is limited and on a first-come, first-served basis. Offer is valid only from October 23-26, 2025.

4

Basic and Supplementary Cardmember(s) can enjoy a total of 8 times complimentary lounge access or a complimentary meal set entitlement at designated airport dining outlets every calendar year. For details and Terms and Conditions, please visit americanexpress.com/plazanetwork.

5

Foreign Currencies and Travel Spend Offers include two offers and separate enrollment for each Offer is required, subject to spending cap. Offer is valid till December 31, 2025. Foreign Currencies and Travel Spend Offer Terms and Conditions apply. Mile conversion rate accurate as of August 2025 and on the basis of 1 mile can be redeemed by 18 Membership Rewards points.

6

Complimentary Travel Insurance when trips are booked and paid with the Explorer Credit Card. Complimentary Travel Insurance ("Plan") is underwritten by Chubb Insurance Hong Kong Limited ("Chubb"), Chubb is authorized and regulated by the Insurance Authority of the Hong Kong SAR and is solely responsible for all coverage and compensation under the Plans. American Express International, Inc. ("we/ us") does not act as an agent or fiduciary for you, and we may act on behalf of the insurance provider, as permitted by law. Travel Insurance Terms and Conditions apply.

7

Enrollment to the 5X Offer is required and subject to spending cap. Offer is valid till December 31, 2025. 5X Offer Terms and Conditions apply. Mile conversion rate accurate as of August 2025 and on the basis of 1 mile can be redeemed by 18 Membership Rewards points.

8

Cardmember must enter the designated discount code at the discount code field, and payment must be successfully and fully settled using the Eligible American Express Card. Promotion Period is valid until November 12, 2025. Terms and Conditions and exclusions apply.