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 makes money from featured partners, but editorial opinions are our own.
Kogan Money Credit Card
Terms and conditions apply
Balance transfer rate for 6 months with no balance transfer fee
0% p.a.
Purchase rate
20.99% p.a.
Reward point per $ spent
Annual fee
$0 p.a.

Our verdict

Offers a $300 Credit, up to 2 points per $1 spent and no annual fee. But take note of the 20.99% p.a. interest rate for purchases.

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 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.


  • $300 Credit
  • No annual fee
  • 0% p.a. on balance transfers for 6 months (with no BT fee)
  • Fixed payment option
  • Uncapped reward points
  • Complimentary Kogan First membership


  • High interest rate for balance transfers after the introductory period
  • 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 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 Credit when you apply by 02 June 2024 and spend at least $3,000 on eligible purchases in the first 3 months.


Product details

Product Name Kogan Money Credit Card
Balance transfer rate p.a. 0% for 6 months, then 21.74%
Balance transfer limit 80% of available limit
Purchase rate p.a. 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


Available to temporary residents No
Minimum income $35,000


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


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

  • 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 Credit. You'll earn a $300 credit when you apply by 02 June 2024 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 and 1 point per $1 on all other eligible spending. You can redeem points to pay for 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. The 20.99% p.a. variable purchase interest rate on this card is higher than the average standard rate for credit cards in Australia (currently 20.07% according to RBA data).

Your reviews

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Ask a question

Ask a question

Amy Finder


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

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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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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.

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