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 $250 Kogan.com Credit when you apply and spend at least $3,000 on eligible purchases in the first 3 months.
Kogan Money Credit Card
- Balance transfer rate for 9 months with no balance transfer fee
- 0% p.a.
- Purchase rate for the first 9 months (reverts to 21.99%)
- 0% p.a.
- Reward point per $ spent
- 1
- Annual fee
- $0 p.a.
Our verdict
A no annual fee card offering a $250 Kogan.com Credit, 0% on purchases and balance transfers for 9 months, with no balance transfer fee.
Pros
-
$250 Kogan.com Credit
-
0% p.a. for 9 months on purchases and balance transfers
-
No annual fee
-
Fixed payment option
-
Uncapped reward points
-
Complimentary Kogan First membership
Cons
-
High interest rates for purchases and balance transfers after the introductory period
-
No interest-free days if you have a balance transfer
-
3.4% foreign currency fee
Details
Product details
Product Name | Kogan Money Credit Card |
Balance transfer rate p.a. | 0% for 9 months, then 22.74% |
Balance transfer limit | 80% of available limit |
Purchase rate p.a. | Purchase rate p.a. 0% for 9 months, then 21.99% |
Interest-free period | Up to 55 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 |
Your reviews
Amy Finder
Editor
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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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