Kogan Money credit cards

Compare benefits, features, interest rates, and fees of Kogan Money’s credit cards to make an informed decision about what to apply for.

By   |   Verified by David Boyd   |   Updated 21 Feb 2023

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Comparing Kogan Money credit cards

Kogan Money Black Credit Card

Balance transfer

12 months at 0% p.a.

Purchase rate

20.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing


  • Get $400 Kogan.com Credit when you spend $1,500 on eligible purchases in 90 days from card approval
  • No annual fees.
  • 0% p.a. for 12 months on balance transfers with no balance transfer fee. Reverts to cash advance rate of 21.74% p.a.


  • Get a $400 sign up bonus in Kogan.com Credit when you meet the criteria.
  • $0 annual fee.
  • Earn 2 reward points per $1 on eligible purchases at Kogan.com and 1 reward point per $1 on other eligible purchases.
  • Uncapped rewards.


  • There is a 3.4% foreign currency fee.
  • The ongoing cash advance rate is 21.74% p.a.

More about Kogan Money credit cards

Our guide to Kogan Money's credit card promotions, balance transfers, rewards, rates, and fees.

  • FAQs

Which bank issues Kogan credit cards?

Citi is the card issuer, on behalf of Kogan Australia Pty Ltd.

How many credit cards does Kogan have?

At the moment, just one, the Kogan Money Black Card, a rewards points credit card.

How can I redeem Kogan Rewards Points?

You can use your Kogan Rewards Points to pay for online shopping purchases from Kogan.com.au. You need to create a Kogan.com account and register your card for ‘Shop with points’ in your account dashboard. Then, after selecting your chosen product and proceeding to checkout, you will be given an option to pay for all or part of your purchase with points.

You can also pay with points for Kogan Mobile and Kogan Internet.

Are there any other ways to use Kogan Rewards Points, other than for shopping at Kogan.com.au?

Yes. You can also pay with points for Kogan Mobile and Kogan Internet.

I see that the Kogan Money Black Card comes with free membership of Kogan First. What is Kogan First?

Kogan First is a loyalty scheme similar to Amazon Prime. Membership normally costs $99 per year, and members get free shipping on eligible Kogan.com.au purchases (or a free express shipping upgrade if free delivery is already offered), priority customer service and exclusive member-only special offers.