Kogan Money

Kogan Money Credit Cards

Kogan Money currently offers 1 credit card - the Kogan Money Black Card. You'll earn reward points to spend with Kogan, but watch out for the interest rate.

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Kogan Money is part of the Kogan.com network – an Australian online retailer that's been around for over 15 years. At the moment, it only offers one credit card: The Kogan Money Black. This is a rewards credit card that also offers shopping perks at Kogan.com. It is underwritten by Citigroup, and was first launched by Kogan Money in October 2019. So, let's take a look at what it offers and how you can apply.

Kogan Money Credit Card - Exclusive Offer

Kogan Money Black Card - Exclusive Offer

0% p.a. for 30 months on
balance transfers
$50 Kogan.com Credit

Offer ends 30 November 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 30 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 30 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

Name Product Cashback Rewards program Purchase rate Annual fee
Kogan Money Black Card - Exclusive Offer
Kogan Rewards Program
20.99% p.a.
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 Nov 2021.
Kogan Money Black Card
Kogan Rewards Program
20.99% p.a.
Up to $400 Kogan.com Credit: $100 on your first eligible spend in 30 days and $300 when you spend $1,500 in 90 days. Ends 30 Nov 2021.

Compare up to 4 providers

Types of credit cards from Kogan Money

The Kogan Money Black Card is the only credit card you can get through this brand at the moment. It offers rewards points per $1 spent that you can redeem for eligible purchases at Kogan.com – with 100 points giving you $1 worth of credit. It also offers complimentary Kogan First membership, which gives you access to free shipping deals and exclusive shopping offers.

The Kogan Money Black Card has an ongoing $0 annual fee, which sets it apart from most other rewards credit cards. But it has a relatively high interest rate for purchases, so it's suited to people who can pay off their balance in full each month to save on interest (by taking advantage of the card's interest-free days for purchases).

Benefits of getting a credit card 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.

  • Rewards program

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

With this card, you'll save on the usual cost of Kogan First Membership – usually $49 for an annual membership. The membership benefits include exclusive member offers, free delivery on thousands of products, upgrades to express shipping and priority customer service.

  • Balance transfers

If you have a credit card you're paying off, the Kogan Money Black Card gives you a way to transfer the balance over to your new account. Like other balance transfer credit cards, you may be able to get a low or 0% introductory interest rate on your balance transfer – you can check for introductory offers before you apply. Just remember that balance transfers won't earn points.

  • Mobile wallets

If you have Apple Pay set up on your iPhone or another device, you'll be able to add the Kogan Money Black Card to your mobile wallet and make payments straight from your devices.

Eligibility criteria

You can apply for the Kogan Money Black Card online in around 15 minutes. You can get started now by seeing if you meet the eligibility requirements and have details you'll need for the application.

  • 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.

Information and documents you need to apply

  • Personal details. This includes your full name, date of birth, residential address and mobile phone number. You may also need to provide supporting documents such as your Australian passport, Medicare card, current driver's licence (front and back) and/or a recent utility bill.
  • Financial details. This covers your income and assets like savings or shares, as well as debts and regular household expenses.
  • If you're a permanent employee (full-time or part-time). You may be asked to provide at least one of the following: your most recent payslip, a bank statement showing the past 3 months of regular income, your most recent tax return or PAYE payment summary, an employment contract or a letter from your employer confirming the details of your employment.
  • If you're employed casually. You may be asked to provide at least one of the following: payslips for the last 2 months of work, your most recent tax return or PAYE summary, an employment contract signed by your employer in the past 60 days or a letter from your employer confirming the details of your employment.
  • If you're a contractor. You may be asked to provide at least one of the following: all your payslips for the last 2 months, your most recent individual tax return, your most recent PAYE payment summary.
  • If you're self-employed. You may be asked to provide at least one of the following: 2 most recent individual or company tax returns or 2 years of profit and loss statements for your business/company.
  • If you're retired or on a pension. You may be asked to provide at least one of the following: a bank statement for the last 3 months showing regular Centrelink payments, an annual superannuation statement showing your pension amount or a letter from Centrelink showing your permanent government pension amount. If you have documentation for other forms of income (such as investments), you could also include them as supporting documentation.

Credit card details

When you apply, you may be asked about the following credit card features as part of the application.

  • Credit limit. You can request a credit limit as part of the application, or have one assigned to you. If you want to request one, just keep in mind that the actual credit limit will be based on the details you provide, as well as the lending criteria and assessment process.
  • Balance transfers. If you want to transfer a balance from an existing Australian credit card or loan, you'll need to include the total you want transferred and the account details (name, number, BSB or institution details). Similar to credit limits, your balance transfer request is subject to approval based on the details provided and the lending criteria.

What happens after you apply?
Kogan Money will send you an email with a reference number and details of anything else you need to provide. If you're approved, your Kogan Money Black Card will be sent in the mail.

If you have a question about the Kogan Money Black Card, you can also chat to a representative at any time through the Kogan Money Credit Card Mobile App, or by submitting an enquiry through the Kogan Money website.

Important links and details

Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.

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 balance transfer, an ongoing $0 annual fee and up to $400 Kogan.com Credit.

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