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Kogan Money credit cards

Learn how you can earn rewards, receive a $100 Kogan.com credit and save with $0 annual fee when you use the Kogan Money Black credit card.

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Kogan Money

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.

Compare Kogan Money credit cards

Updated April 5th, 2020
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% p.a.
Name Product Balance transfer rate Purchase rate (p.a.) Bonus Points Annual fee Amount saved
Kogan Money Black Card
0% p.a. for 22 months with 2% balance transfer fee
20.99% p.a.
$0 p.a.
Save with a $0 annual fee and a 0% for 22 months balance transfer offer. Plus, earn $100 Kogan.com Credit and uncapped rewards points.
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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 and redeem them to cover the cost of purchases at Kogan.com. The card also currently offers a $100 Kogan.com credit when cardholders meet the spend requirement as well as a 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 22 months with a 2% balance transfer fee. This is one of the longest interest-free balance transfer offers on the market and it 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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Credit Cards Comparison

Updated April 5th, 2020
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
Coles No Annual Fee Mastercard
19.99% p.a.
0% p.a. for 18 months with 1.5% balance transfer fee
$0 p.a.
Earn flybuys points for your spending and save with an ongoing $0 annual fee and 0% p.a. on balance transfers for 18 months.
Qantas American Express Ultimate Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$450 p.a.
Get 100,000 bonus Qantas Points, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations. Ends 14 Apr 2020.
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Enjoy a balance transfer offer, yearly annual fee refund, airport lounge passes and complimentary insurance covers.
Bendigo Bank Low Rate Mastercard
11.99% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$45 p.a.
A no-frills credit card with a competitive annual fee and 0% p.a. interest rate on balance transfers for the first 18 months.
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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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