INDEPENDENT REWARDS RESEARCH

Nations Trust Bank The American Express Explorer Card — Sri Lanka

1 Membership Mile per LKR100 ordinary purchases; 2 per LKR100 airlines, hotels, dining and travel agents.

Annual card + required rewards fees: LKR 22,500.00 card fee; required rewards fee not verified
Reward currency: Membership Miles
Reward category: Bank points
Card type: Personal credit card
Mileage route: Bank points
Record checked: 2026-10-24
First-year card fee: LKR 22,500.00

How earning and transfers work

Manual conversion to FlySmiLes, Cathay or Hilton Honors; current numeric conversion ratios are unverified.

Eligibility and important conditions

Credit approval and supporting documents required. Issuer comparison states LKR150,000 net income but does not specify its period; no numeric monthly or annual threshold assumed.

Automatically enrolled in Membership Miles according to its dedicated FAQ. Separate transfer-programme fee applicability remains unresolved. Fee schedule effective 2 July 2026. Joining fee is separate from annual fee. Transfer ratios, minimums, increments and posting timing remain unverified; earning rate is issuer reward units per LKR, not airline miles per LKR. The displayed annual fee covers card membership only; additional rewards-programme costs may apply.

Fee waiver: Not verified
Transaction rounding: Not verified
Points expiry: No expiry while enrolled in the issuer rewards programme; cancellation or missed required payment can result in loss of points.
Minimum transfer: Not verified
Transfer fee: Not verified
Transfer timing: Not verified

Quick answers from the recorded terms

What does Nations Trust Bank The American Express Explorer Card cost each year?

The recorded annual cost is LKR 22,500.00 card fee; required rewards fee not verified.

What does Nations Trust Bank The American Express Explorer Card earn?

1 Membership Mile per LKR100 ordinary purchases; 2 per LKR100 airlines, hotels, dining and travel agents. The reward currency is Membership Miles.

Can Nations Trust Bank The American Express Explorer Card rewards become airline miles?

The record names 3 partners, including SriLankan Airlines FlySmiLes, Cathay Asia Miles, Hilton Honors, but no conversion ratio is recorded for this card. Confirm the ratio, minimum and timing with the issuer before moving points.

Do Membership Miles expire?

No expiry while enrolled in the issuer rewards programme; cancellation or missed required payment can result in loss of points.

How current is this information?

The record was last checked on 2026-10-24. Fees, earning rates and partner ratios change, so treat the issuer product page linked on this profile as the authority and use this page to compare options.

Similar cards in Sri Lanka

Bank points cards ranked by closeness to this card’s annual cost
Card	Annual cost	Reward currency	Checked
This card: Nations Trust Bank The American Express Explorer Card	LKR 22,500.00 card fee; required rewards fee not verified	Membership Miles	2026-10-24
Nations Trust Bank The Platinum American Express Card	LKR 7,500.00 card fee; required rewards fee not verified	Membership Rewards	2026-10-24
Nations Trust Bank The American Express Gold Card	LKR 5,000.00 card fee; required rewards fee not verified	Membership Rewards	2026-10-24

Verification and sources

Selected facts from official sources; other terms unverified

Only individually sourced fields were checked. Full card terms remain partially verified.

Selected terms checked against official sources

Earning: 1 Membership Mile per LKR100 ordinary purchases; 2 per LKR100 airlines, hotels, dining and travel agents. Official source · Checked 2026-10-24
Reward route: Manual conversion to FlySmiLes, Cathay or Hilton Honors; current numeric conversion ratios are unverified. Official source · Checked 2026-10-24
Points expiry: No expiry while enrolled in the issuer rewards programme; cancellation or missed required payment can result in loss of points. Official source · Checked 2026-10-24
Annual card fee: LKR 22,500.00 Official source · Checked 2026-10-24
First-year card fee: LKR 22,500.00 Official source · Checked 2026-10-24
One-time issuance fee: LKR 0.00 Official source · Checked 2026-10-24
Applicant eligibility: Credit approval and supporting documents required. Issuer comparison states LKR150,000 net income but does not specify its period; no numeric monthly or annual threshold assumed. Official source · Checked 2026-10-24
type: Personal credit card Official source · Checked 2026-10-24
Fee evidence and unresolved terms: Explorer Membership Miles FAQ and catalogue confirm automatic enrolment. Its catalogue links the generic Membership Rewards terms, which describe paid Frequent Traveler enrolment. A separate Explorer-specific annual transfer-programme fee or explicit exemption remains unverified; do not assume the annual card fee is the complete mileage cost. Official source · Checked 2026-10-24

These checks apply to the listed fields only. Other terms may remain unverified.

Why a single value is unavailable

Explorer Membership Miles FAQ and catalogue confirm automatic enrolment. Its catalogue links the generic Membership Rewards terms, which describe paid Frequent Traveler enrolment. A separate Explorer-specific annual transfer-programme fee or explicit exemption remains unverified; do not assume the annual card fee is the complete mileage cost.

Checks by field: Earning: 2026-10-24 · route: 2026-10-24 · Points expiry: 2026-10-24 · Annual fee: 2026-10-24 · firstYearFee: 2026-10-24 · issueFee: 2026-10-24 · Eligibility: 2026-10-24 · type: 2026-10-24 · feeGapReason: 2026-10-24. Other fields retain their earlier verification status.

Missing values remain unverified. Earnings, caps, expiry and transaction rounding can differ from a simple headline rate. Numerical reward estimates are disabled unless the full earning model is supported.

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