The Kogan Money Credit Card is a no annual fee credit card that also offers rewards and shopping perks. Right now, you'll get a $300 Kogan.com Credit when you apply, are approved, and spend at least $3,000 on eligible purchases in the first 3 months.
Kogan Money Credit Card

- Purchase rate
- 21.99% p.a.
- Reward point per $ spent
- 1
- Annual fee
- $0 p.a.
- Interest-free on purchases
- Up to 44 days
Our verdict
A no annual fee card offering a $300 Kogan.com Credit, with fixed payment options.
Pros
-
$300 Kogan.com Credit
-
No annual fee
-
Fixed payment option
-
Uncapped reward points
-
Complimentary Kogan First membership
Cons
-
3.4% foreign currency fee
Details
Product details
Product Name | Kogan Money Credit Card |
Purchase rate p.a. | Purchase rate p.a.21.99% |
Interest-free days | Up to 44 days on purchases |
Cash advance rate p.a. | 22.74% |
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 | Annual fee $0 |
Minimum monthly repayment | 2% of the closing balance or $25, whichever is greater |
Late payment fee | $30 |
Foreign currency conversion fee | 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 |

Congratulations, Kogan Money!
The Kogan Money Credit Card won Best No Annual Fee Credit Card and Best No Annual Fee Rewards Credit Card in the 2025 Finder Awards.
Full list of 2025 winnersYour reviews

Amy Finder
Journalist
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Amy Bradney-George Finder
September 27, 2023
Hi June,
Please be aware that Finder can only give general advice and factual information. In regards to this card, the eligibility requirements include having employment or being self-employed. But Finder does have a guide to credit cards for people who are retired or receive a pension, which may be of assistance. You could also consider discussing your options with your current credit card provider. I hope this helps.
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Ashwini
March 28, 2023
I am not able to apply for Kogan credit card. Doesn’t give me a option to apply.

Amy Bradney-George Finder
March 30, 2023
Hi Ashwini,
This card isn’t currently available through Finder, but you can apply directly through the provider’s website. I hope that helps.
June
September 26, 2023
Hi Amy, I am just looking for a card for my husband as he is a secondary cardholder on mine and if anything happens to me, he won’t have a card. We are fully self-funded retirees and I have just been through a very unpleasant process with another card provider, is it worth applying for this Kogan one do you think?
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