Kogan Money is part of the Kogan.com network – an Australian online retailer that's been around for over 15 years. It offers one credit card, The Kogan Money Credit Card, which offers rewards as well as shopping perks at Kogan.com. It also includes different introductory offers, ranging from introductory purchase rate to cashback on your account. It is underwritten by NAB, and was first launched by Kogan Money in October 2019.
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Kogan Money was a big winner in the 2025 Finder Awards.
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The Kogan Money Credit Card is the only credit card you can get through this brand. It offers rewards points per $1 on all eligible spending, with 100 points giving you $1 worth of credit for shopping at Kogan.com. It also offers complimentary Kogan First membership, which gives you access to free shipping deals and exclusive shopping offers.
The Kogan Money Credit 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).
The Kogan Money 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.
This card offers 2 rewards points per $1 on eligible spending at Kogan.com and 1 point per $1 spent on all other eligible transactions. Each point is worth 1 cent in value and you can redeem points to pay for purchases at Kogan.com or for payments to your Kogan Money Credit Card account.
With this card, you'll save on the usual cost of Kogan First Membership – usually $99 for an annual membership. The membership benefits include exclusive member offers, free delivery on eligible purchases, express shipping upgrades and priority customer service.
You can add the Kogan Money Credit Card to Apple Pay and Google Pay to make payments straight from your mobile phone or other devices.
You can apply for the Kogan Money Credit Card online in around 10 minutes. Get started now by seeing if you meet the eligibility requirements and have details you'll need for the application.
When you apply, you may be asked about the following credit card features as part of the application.
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 Credit Card will be sent in the mail.
If you have a question about the Kogan Money Credit 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.
If you want to compare the Kogan Money Credit Card to cards from other banks and brands, these 3 also offer shopping-related perks:
Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.
The Kogan Money Credit Card is a no annual fee rewards card that currently offers a $300 Kogan.com Credit, and up to 2 points per $1 on eligible spending.
The Kogan Money Credit Card has a $0 annual fee, a 0% p.a. balance transfer rate offer and earns rewards. Is it right for you?
Compare the features of the Kogan Money Credit Card: a no annual fee rewards card that currently offers 0% on balance transfers and 9.99% on purchases, both for 18 months.
