Kogan Money Credit Card

• New cardholder. To be eligible for the introductory offers, you must be a new Kogan Money Credit Card applicant.
• Eligible balance transfer debt. If you are transferring a balance, you can request to transfer from $500 up to 80% of your available credit limit from credit cards, store cards, personal loans and lines of credit issued in Australia.
• Credit history. You must have a good credit score.
• Age. You must be at least 18 years old to apply.

Required documents

• Personal details. You'll need to provide your full name, contact details (including an Australian mobile number and valid email address) and the number of financial dependants.
• Proof of identification. You'll be required to provide at least one form of ID, including an Australian passport or driver's licence.
• Income. Confirm your employment status and total annual salary.
• Finances. This includes your expenses, liabilities and assets.
• Balance transfer details. If you're transferring a balance to this card, you'll need to confirm how much you're requesting to transfer and provide details of the existing account(s) you're moving it from.

• Introductory purchase rate. Save with a low interest rate of 0% p.a. on purchases for the first 9 months (reverts to 21.99% p.a. thereafter).
• 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.
• Fixed payment options. If you use this card to pay for eligible Kogan.com purchases, you could get 0% p.a. for up to 24 months when you pay it off in instalments. Fixed payment options have a one-off fee of up to 6.5% and a minimum spend of $50.
• Complimentary Kogan First membership. This card offers complimentary Kogan First Membership, which is normally a paid member service. Perks include exclusive member deals, free delivery on thousands of eligible products, upgrades to express shipping and priority customer service.
• Additional cardholders. You can request up to 4 additional cardholders at no extra cost.
• Mobile wallets. You can add the Kogan Money Credit Card to Apple Pay and Google Pay, giving you a way to make secure payments straight from your mobile phone (or other devices).

• Interest-free days. When you pay your previous balance in full by the statement due date, you get up to 55 interest-free days on purchases. But you won't be eligible for interest-free days if you're paying off a balance transfer.
• Foreign transaction fee. If you use your card to shop overseas or online with an international retailer, you'll be charged a foreign transaction fee of 3.4%.
• Minimum monthly payment. Each month, you'll need to make a minimum monthly payment which is the greater of $25 of the card balance, or 2% of the card balance at the end of the statement period plus any interest charges or fixed payment option fees.
• Minimum credit limit. This card offers credit limits from $6,000. When you apply, you can request a specific credit limit or choose to be offered one as long as it is above this minimum amount.