I think the difference is that Explorer only reduces earn for ‘government’ spend. Insurance and utilities are not reduced earn categories on Explorer. Just a matter of different product features compared to the Charge. I’ll need to ensure I didn’t use Post BillPay anymore with Amex Explorer based On post #2.
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Good pickup about council rates. Will need to keep that in mind when I get my next council bill.
When I received my Explorer card just over a year ago I did a $10 Council Rates payment to check how any points I would receive before making the full payment and I received 5 points, so I used a different card for the full payment, and for all Council Rates payments since then.
Platinum edge is "excluding utilities, insurance (except those distributed by American Express), telecommunication providers and government bodies in Australia where you earn 0.5 Membership Rewards points5 per dollar spent"
So paying Sydney Water via paypal with either should be 0.5ppd since it is a utility via a government body?
I just noted that Paypal AP ( Through Post Billpay) on Qantas Ultimate is now only 0.5. Mine changed in April.
Telstra was still 1.5, though I made payment through the Telstra website and not postbillpay