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Kogan Money

Kogan Money credit cards

Learn how you can earn rewards, receive up to $400 Kogan.com credit and save with $0 annual fee when you use the Kogan Money Black credit card.

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Sally McMullen
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Kogan Money launched its first credit card in October 2019. The Kogan Money Black credit card combines rewards, shopping perks with $0 annual fee and a balance transfer offer. Underwritten by Citi, this is the first and only credit card currently available through Kogan Money. You can learn more about the rewards, features and fees you can expect from this Visa credit card in this guide.

Kogan Money Credit Card - Exclusive Offer

Kogan Money Black Card - Exclusive Offer

0% p.a. for 22 months on
balance transfers
$50 Kogan.com Credit

Offer ends 30 September 2021

Eligibility criteria, terms and conditions, fees and charges apply

Kogan Money Credit Card - Exclusive Offer

Earn $50 Kogan.com Credit and enjoy 0% p.a. on balance transfers for 22 months when you apply through Finder. Plus, save with an ongoing $0 annual fee.

  • $50 Kogan.com Credit when you spend $1,000 in the first 60 days
  • 0% p.a. for the first 22 months on balance transfers, with no balance transfer fee (reverts to 21.74% p.a.)
  • Ongoing $0 annual fee | 20.99% p.a. purchase interest rate
  • Earn 2 rewards points/$1 at Kogan.com and 1 point/$1 on all other eligible spend elsewhere.
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Compare Kogan Money credit cards

Data updated regularly
Name Product Cashback Rewards program Purchase rate Annual fee
Kogan Money Black Card - Exclusive Offer
Exclusive
Kogan Money Black Card - Exclusive Offer
$50
Kogan Rewards Program
20.99% p.a.
$0
Save with a $0 annual fee and a 0% introductory rate on balance transfers. Plus, earn $50 Kogan.com Credit and uncapped rewards points. Ends 30 Sept 2021.
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Kogan Money Black Card
Kogan Money Black Card
$400
Kogan Rewards Program
20.99% p.a.
$0
Save with a $0 annual fee and a 0% for 12 months balance transfer offer. Plus, earn up to $400 Kogan.com Credit and uncapped rewards points.
More Info
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Kogan Money Black credit card

The Kogan Money Black credit card is currently the only product available through Kogan Money. Cardholders can use this rewards Visa credit card to collect points as they spend, redeem them to cover the cost of purchases at Kogan.com. This card also currently offers $50 Kogan.com Credit on your first eligible spend using your new card in the first 30 days and $350 Credit when you apply by 04 October 2021 and spend $1,500 on eligible purchases within 90 days from card approval (up to $400 Credit). On top of that, you can take advantage of complimentary Kogan First membership.

This card charges a $0 annual fee and a 20.99% purchase interest rate, so it's suited to cardholders who pay off their balance in full each month to save on interest and annual fees. You can learn more about the card benefits below.

The benefits of banking with Kogan Money

  • No annual fee

The Kogan Money Black credit card charges $0 annual fee for the life of the card. Most rewards credit cards charge an annual fee, so this is a perk for cardholders who want to reward their spending while cutting back on card costs.

  • Earn rewards

Collect 2 rewards points per $1 spent when you shop at Kogan.com and 1 rewards point per $1 spent on all other eligible transactions. At a rate of 1 cent per point, cardholders can redeem points to pay for purchases at the Kogan.com checkout or to cover payments to their Kogan Money Black Card account.

  • Complimentary Kogan First membership

Cardholders can save $99 with a complimentary Kogan First Membership. The membership benefits include exclusive member offers, free delivery on thousands of products, upgrades to express shipping and priority customer service.

  • Balance transfer offer

This card currently offers 0% on balance transfers for the first 12 months with no balance transfer fee. This could help you pay off your debt and save on interest if you pay it back before the cash advance revert rate applies. It's important to remember that balance transfers won't earn points.

How to apply for a Kogan Money credit card

You can apply for the Kogan Money Black credit card online. The application should only take around 15 minutes but it's important to check if you meet the eligibility requirements and have the necessary information before you get started.

Eligibility criteria

  • Income. You must earn at $35,000 per year.
  • Residency. This card is only available to permanent Australian residents.
  • Age. You must be at least 18 years old to apply.

Required documents

  • Personal details. This includes your full name, contact details (including an Australian mobile number and valid email address), number of financial dependents.
  • Proof of identification. You must provide at least one form of ID including an Australian passport or driver's licence.
  • Income. You'll need to confirm employment status, current employer and total annual income.
  • Finances. This includes your expenses, liabilities and assets.
  • Balance transfer details. If you're taking advantage of the balance transfer offer, you'll need to confirm how much you're transferring and provide details of the existing account you're moving it from.
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More guides on Finder

  • Kogan Money Black Card – Exclusive Offer

    Pay 0% interest on balance transfers for the first 22 months with no balance transfer fee. Plus, get a $50 Kogan.com Credit when you meet the spend requirement with this exclusive offer for the Kogan Money Black credit card.
  • Kogan Money Black Card

    The Kogan Money Black credit card offers a long-term balance transfer offer, an ongoing $0 annual fee and up to $400 Kogan.com Credit.

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