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 Yvonne Taylor | Verified by David Boyd | Updated 1 Jul 2024

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Comparing Kogan Money credit cards

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Kogan Money Black Credit Card

Balance transfer

9 months at 0% p.a.

Purchase rate

9 months at 0% p.a.

Annual fee

$0.00 p.a. ongoing

Highlights

Receive $250 Kogan.com Credit upon spending $3,000 on qualifying purchases within 90 days from card approval.
Enjoy no annual fees.
Benefit from 0% p.a. for 9 months on balance transfers with a 0% balance transfer fee. Reverts to cash advance rate of 22.74% p.a.
Additionally, enjoy an introductory low purchase interest rate of 0% p.a. for the first 9 months.

Pros

Get a $250 sign up bonus in Kogan.com Credit when you meet the criteria.
Take advantage of the introductory BT and purchase rates.
$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.
Add up to 4 additional cardholders at $0 fee.
Uncapped rewards.

Cons

There is a 3.4% foreign currency fee.
The ongoing cash advance rate is 22.74% 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.