The American Express Explorer Credit Card  -  Terms & Conditions   The below text has been increased from tiny 1em font to 12 font Arial, so it can be easily read. 
The 12 Terms and Conditions are displayed as immediately below - three clauses at a time, so you can't read the entire T&Cs in their entirety, but only in small sections - scum bags.  The below font is 8.5 Helvetica in dark grey, not black - scum bags.  I have expanded the critical clause 2 below, whereby if you have a Balance Transfer amount, there is no Interest Free Period.  So the metre is running at 20.74% interest rate on all Purchases, from the date of each Purchase.

American Express credit approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All Interest Rates are quoted as an Annual Percentage Rate. All information is correct as at 29 November 2016 and is subject to change. This offer is only available to Australian residents. Cards are offered, issued and administered by American Express Australia Limited (ABN 92 108 952 085, Australian Credit Licence No. 291313) (American Express).

  1. Interest rate is correct as at 29 November 2016 and is subject to change. This interest rate does not apply for Cash Advances and associated fees. 
     
  2. You will have up to 55 days interest free on purchases provided you pay the full closing balance of your monthly statement by the due date each month. There is no interest free period on balance transfers or if you carry forward a balance from the previous statement period. The total of interest free days will depend on when you make the purchase and when your statement is issued. 

     Introductory offer of 100,000 Membership Rewards points3
  3. Offer only available to new American Express Card Members who apply online by 30 January 2017, are approved and spend $1,500 on their new Card in the first 2 months from the Card approval date. Card Members who currently hold or who have previously held any other Consumer Credit Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. 100,000 Membership Rewards Bonus Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. 

     $400 Travel Credit each Membership year4
  4. To redeem the Travel Credit, you must have paid the annual fee and have paid your minimum payment by the due date. The $400 Travel Credit can be redeemed against any single eligible travel booking of $400 or more where applicable when booking online through americanexpress.com.au/travel. The Travel Credit can be used for 365 days from date of issue and cannot be carried forward to any subsequent year. Terms and Conditions apply. 

    Enjoy up to two entries per year to the American Express Lounge at Sydney International (Kingsford Smith) Airport T15

  5. Entry into The American Express Lounge is governed by the full Terms and Conditions available at goodgoing.com.au/lounge. All entrants must adhere to the General Conditions of Entry. American Express Explorer Credit Card Members are entitled to two (2) entries into The American Express Lounge per calendar year (1st January to 31st December) for each American Express Card Account. Complimentary access is available for the Card Member’s children between the ages of 2-17. Card Members wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member’s American Express Card.  

    Earn 2 Membership Rewards points6 per $1 spent on all purchases except government bodies in Australia where you will earn 0.5 points per $1 spent
  6. Subject to the Terms and Conditions of the Membership Rewards Gateway program available at membershiprewards.com.au. Certain transactions will earn 0.5 points per dollar with Merchants classified as; “government”, including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies. 

    Transfer your points to a choice of 8 airline partner programs7
  7. Subject to the Terms and Conditions of the Membership Rewards Gateway program available at membershiprewards.com.au. You must be a member of the airline partner program, joining fees may apply and points transferred will be subject to the terms and conditions of the applicable airline partner program. 
     

    Medical Emergency Expenses Cover8 up to $2,500,000 towards medical treatment

    Smartphone Screen Insurance for up to $500 for screen repairs to your Smartphone when you pay for your phone or contract with your American Express ExplorerTM Credit Card8

    Baggage, Money and Documentation Cover8 up to $10,000 to cover loss or damage to baggage, money or documents

    Travel Inconvenience Insurance8 up to $500 if your flight departure is delayed for four hours or more

  8. Insurances are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFSL No. 239687) (ACE) and are subject to ACE terms, conditions and exclusions. This site does not take into account your objectives, financial situation or needs. It is important for you to read the American Express Explorer Credit Card Insurance Terms and Conditions available here and consider whether this insurance is appropriate for you. 

    0% p.a. on balance transfers for the first 12 months9 — A one-off credit plan establishment fee of 1% applies to any balances transferred

  9. Available to new applicants who apply online and are approved. A one off 1% credit plan establishment fee applies. Offer not available if you have held any consumer credit card issued by American Express Australia Limited in the preceding 60 day period. The maximum balance transfer that can be approved is $10,000 or 70% of your approved credit limit, whichever is less. Balances may not be transferred from another Credit Card issued by American Express. The promotional interest rate will apply for twelve months from approval, after which any remaining balance will revert to the standard rate of interest at that time. There are no interest free days for balance transfers. Click here for full Balance Transfer terms and conditions. 

    Use your points to pay charges on your statement with Select + Pay with points10

  10. Subject to the Terms and Conditions of the Membership Rewards Gateway program available at membershiprewards.com.au. Minimum of 1,000 points required. Any credit to your Card Account cannot exceed the current outstanding balance on your Account. Points will be debited immediately and credit will take up to three business days to appear on your online statement. 
     
  11. Supplementary Card Members must be over 18 years of age. You will be liable to pay for all Supplementary Card spending and associated charges including interest on your account. 
     
  12. Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your American Express Credit Card Conditions, you will not be held liable for any unauthorised charges.  
     

TMTrademark of American Express Company.

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