We currently don't have this product on Finder

Balance transfer rate for 6 months with no balance transfer fee: 0% p.a.
Purchase rate: 21.99% p.a.
Reward point per $ spent: 1
Annual fee: $0 p.a.

Our verdict

A no annual fee card offering a $400 Kogan.com Credit and 0% p.a. interest on balance transfers for 6 months, with fixed payment options.

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.

The current introductory offer also gives you a way to earn $400 worth of Kogan.com Credit when you apply, are approved, and spend at least $3,000 on eligible purchases in the first 90 days. You can spend these credits on Kogan's site.

Pros

$400 Kogan.com Credit
0% p.a. on balance transfers for 6 months with no BT fee
No annual fee

Cons

3.4% foreign currency fee

Details

Product details

Product Name	Kogan Money Credit Card
Balance transfer rate p.a.	0% for 6 months, then 22.74%
Balance transfer limit	80% of available limit
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	$0
Minimum monthly repayment	2% of the closing balance or $25, whichever is greater
Late payment fee	$30
Foreign currency conversion fee	3.4%
Cash advance fee	3.5% of transaction value 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 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.

New cardholder. To be eligible for the introductory offers, you must be a new Kogan Money Credit Card applicant.
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.

Card benefits

$400 Kogan.com Credit. You'll earn a $400 credit when you apply, are approved, and spend $3,000 on eligible purchases in the first 90 days. This covers most everyday transactions but exclusions include balance transfers, cash advances, refunds and account fees.
0% balance transfer. You'll get 0% p.a. interest on balance transfers for 6 months (with no balance transfer fee) when you apply and are approved for this card. At the end of the introductory period, any remaining charges will attract the cash advance rate, currently 22.74% p.a.

6.99% p.a. for up to 24 months when paying by instalments. Enjoy a low 6.99% p.a. interest rate for up to 24 months on eligible Kogan.com purchases of $50 or more when you pay by instalments. Terms and conditions apply.
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).

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 20.99% p.a. according to RBA data).

Cash advances. If you use your card to make a cash advance, such as an ATM withdrawal, you'll be charged the cash advance rate of 22.74% p.a. and a cash advance fee of $5 or 3.5% of transaction value, whichever is higher.
Interest-free days. When you pay your previous balance in full by the statement due date, you get up to 44 interest-free days on purchases.
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.

Sources

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

Your reviews

No reviews yet. Write a review

Ask a question

To ask a question simply log in via your email or create an account.

Ask a question

Amy Finder

Journalist

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

You are about to post a question on finder.com.au:

Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
finder.com.au is a financial comparison and information service, not a bank or product provider
We cannot provide you with personal advice or recommendations
Your answer might already be waiting – check previous questions below to see if yours has already been asked

Accept and continue

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.

Anoop Anand

June 26, 2025

We are retirees. Can we still apply for this card?

Appreciate your response/guidance.

Sarah Megginson Finder

June 27, 2025

Hi Anoop, Thanks for your question! It depends on your income. Credit card providers will assess your ability to make the payments each month, based on 3% of your card’s maximum credit limit. So if they approve you for a $10k limit, they will want to make sure you can afford $300 per month. If you are retired but your income support these repayments each month after your other living costs, then you might get approved. Your best bet is to contact them directly and chat about your situation to see what your likelihood of approval is. Hope this helps!

Show more Show less

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?

Show more Show less

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.

Show more Show less

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.

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full profile

Kogan Money Credit Card

Pros

Cons

Congratulations, Kogan Money!

How to apply

Eligibility criteria

Required documents

Card benefits

Rates and fees

Sources

Sources

Your reviews

Important information about this website

Advertiser disclosure

How we make money

Sorting and ranking products

Terms of service and privacy policy