In this guide

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

Kogan Money Credit Card

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Kogan Money Credit Card
Terms and conditions apply
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.

Gold Finder Awards Badge
Finder Awards 2025 winner

The Kogan Money Credit Card is one of a handful of credit cards that offers both no annual fee and rewards. It earns up to 2 points per $1 spent that you can redeem for shopping at Kogan.com or for payments on your credit card account. Each point gives you a value of $0.01, which works out to $10 value for every 1,000 points.

Pros

  • $300 Kogan.com Credit
  • No annual fee
  • Fixed payment option
  • Uncapped reward points
  • Complimentary Kogan First membership

Cons

  • 3.4% foreign currency fee

In this guide

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

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.

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
Finder Awards badge

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 winners

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

  • Income. You must earn at least $35,000 per year. You also need to have full-time or part-time employment or be self-employed.
  • Residency. This card is only available to citizens and permanent residents of Australia.

Card benefits

  • $300 Kogan.com Credit. You'll earn a $300 credit when you apply, are approved, and spend $3,000 on eligible purchases in the first 3 months. This covers most everyday transactions but exclusions include balance transfers, cash advances, refunds and account fees.
  • Rewards. This card earns 2 reward points per $1 on eligible spending at Kogan.com and 1 point per $1 on all other eligible spending. You can redeem points to pay for Kogan.com purchases or use them to make payments on your Kogan Money Credit Card, with a rate of 1 cent per point.

Rates and fees

  • $0 annual fee. The Kogan Money Credit Card does not charge an annual fee.
  • Purchase rate. This card charges a 21.99% p.a. variable purchase interest rate, which is slightly higher than the average standard rate for credit cards in Australia (currently 20.16% according to RBA data).

Your reviews

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Amy Finder

Journalist

Hi there, looking for more information? Ask us a question.

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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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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.


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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.


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