In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Kogan Money Credit Card – 0% Purchase and Balance Transfer Offer

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Kogan Money Credit Card - 0% Purchase and Balance Transfer Offer - DISCONTINUED

This card is not currently available via Finder. Visit the provider's website directly, or compare other options.

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Balance transfer rate for 14 months with no balance transfer fee
0% p.a.
Purchase rate for the first 14 months (reverts to 20.99%)
0% p.a.
Reward point per $ spent
1
Annual fee
$0 p.a.

Our verdict

Offers 0% p.a. interest on purchases and balance transfers for 14 months with no balance transfer fee.

The Finder exclusive offer expired on 29 June 2023. You can compare the current range of Kogan Money credit card options here.

Pros

  • 0% p.a. on purchases for 14 months
  • 0% p.a. on balance transfers for 14 months
  • Uncapped reward points
  • No annual fee
  • Complimentary Kogan First membership

Cons

  • Charges a one-time 0% balance transfer fee
  • Relatively high 20.99% p.a. interest rate for purchase after the introductory period
  • High 21.74% p.a. interest rate for balance transfers after the introductory period
  • Outside of introductory offers, no interest-free days if you have a balance transfer
  • 3.4% foreign currency fee

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

Available exclusively through Finder, this introductory offer on the Kogan Money Credit Card gives you a way to shop interest-free for the first 14 months, with an introductory 0% interest rate for purchases. After that, the purchase rate goes to 20.99% p.a., which is higher than the current average standard credit card rate (20.07% p.a., according to RBA data). So you’ll typically get more value from this offer if you can pay off what you spend before the 0% interest rate reverts. The Kogan Money Credit Card also has no annual fee for life and a rewards program that earns you up to 2 points per $1. You can redeem these points for shopping at Kogan.com, with 100 points equal to $1 value. If you’re already paying off a different credit card, this introductory offer also gives you a 0% interest rate on balance transfers for 14 months. But make sure you can pay off the balance transfer before the 21.74% p.a. balance transfer revert rate kicks in.

Details

Product details

Product Name Kogan Money Credit Card - 0% Purchase and Balance Transfer Offer - DISCONTINUED
Balance transfer rate p.a. 0% for 14 months, then 21.74%
Balance transfer limit 80% of available limit
Purchase rate p.a. 0% for 14 months, then 20.99%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 21.74%
Min credit limit $6,000
Card type Visa

Eligibility

Available to temporary residents No
Minimum income $35,000

Rewards

Rewards program Kogan Rewards Program
Bonus points N/A
Rewards points per $ spent 1
Rewards points cap Uncapped

Fees

Annual fee $0
Minimum monthly repayment 2% of the closing balance or $30, whichever is greater
Late payment fee $30
Foreign currency conversion fee 3.4%
Cash advance fee 3.5% or $5, whichever is greater
Overseas cash advance fee $5
Additional cardholder fee $0
Number of additional cardholders 4

How to apply

You can apply for the Kogan Money Credit Card online in around 15 minutes as long as you meet the eligibility requirements and have the following information.

Eligibility criteria

  • Apply through the link on Finder. To get the 0% purchase and balance transfer offers, you need to apply through the link on Finder before 29 June 2023.
  • Income. You must earn at least $35,000 per year.

Card benefits

  • 0% interest on purchases for 14 months. Get a 0% p.a. interest rate for purchases you make in the first 14 months when you apply for this card through Finder by 29 June 2023. At the end of the introductory period, the interest rate for purchases reverts to 20.99% p.a.
  • 0% balance transfer. Apply through Finder by 29 June 2023 and you'll get 0% p.a. interest on balance transfers for 14 months. You must request your balance transfer within 90 days of approval to take advantage of this offer. At the end of the introductory period, any remaining charges will attract the cash advance rate, currently 21.74% p.a.

Rates & fees

  • No annual fee. The Kogan Money Credit Card has an ongoing $0 annual fee.
  • Purchase rate. Outside of any promotions, this card charges a 20.99% p.a. variable purchase interest rate.

Your reviews

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Amy Finder

Editor

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Avatar

Pourya

June 28, 2023

Hi,

What is the maximum credit limit for this card?


Thanks


Avatar

Elizabeth Barry Finder

July 10, 2023

Hi Pourya,


Thanks for your question.


Kogan does not provide the maximum credit limit for this card as it approves credit limits based on your serviceability of the repayments. The minimum credit limit for the Kogan Money card is $6,000.


Hope this helps,


Elizabeth


Avatar

Stephanie

June 25, 2023

Hi there, I have a question regarding this credit card’s balance transfer. In Ts&Cs it states: “Whilst you have a Balance Transfer, you will not be eligible for any interest free days” Does this mean the 0% interest free does not apply to the total amount that I have with balance transfer?


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Amy Bradney-George Finder

June 28, 2023

Hi Stephanie,

You would still get the introductory 0% interest rate for balance transfers with this offer, as well as the introductory 0% purchase rate. At the end of the introductory period, any remaining balances will be charged interest. If you have a balance after the introductory period, you also won’t be able to get up to 55 days interest-free on purchases unless you pay the total amount listed on each statement by the due date. Finder’s guide to interest-free days explains how this feature works. If you have further questions about interest or these introductory offers, you can check with Kogan Money by using the chat service in the Kogan Money Credit Card Mobile App. I hope that helps.


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tony

June 23, 2023

Hi Want to do balance transfer – can you help?


Avatar

Sarah Megginson Finder

June 26, 2023

Hi Tony,


If you’d like to apply for a 0% balance transfer card, you have a couple of options.


To apply for this Kogan card, click the green “go to site” button and you can fill in the forms and get your application underway.


If you’d like to review other options for different 0% interest cards to see a few different offers and options, visit:

https://www.finder.com.au/credit-cards/balance-transfer-credit-cards


Hope this helps!


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