In this guide

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

Kogan Money Credit Card – Purchase Rate Offer

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Kogan Money Credit Card - Purchase Rate Offer
Go to site
Terms and conditions apply
Purchase rate for the first 9 months (reverts to 21.99%)
9.99% p.a.
Reward point per $ spent
1
Annual fee
$0 p.a.
Interest-free on purchases
Up to 44 days

Our verdict

Save on card costs with 9.99% p.a. on purchases for the first 9 months and earn uncapped rewards points.

The Kogan Money Credit Card comes with a low 9.99% p.a. interest rate on purchases for the first 9 months. But the rate that applies to any remaining purchase balance at the end of the introductory period is higher than some other cards at 21.99% p.a., so it's wise to repay your balance in full each statement period to avoid the high interest rate and to take advantage of the interest-free days.

Pros

  • No annual fee
  • 9.99% p.a. purchase rate for the first 9 months
  • Uncapped reward points
  • Finder Score of 9.45 in the no annual fee category

Cons

  • A 21.99% p.a. interest rate on purchases applies at the end of the introductory period

In this guide

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

The Kogan Money Credit Card offers no annual fee and perks when you’re shopping at Kogan.com. As a new cardholder, you can save with 9.99% p.a. interest on purchases for 9 months.

Details

Product details

Product Name Kogan Money Credit Card - Purchase Rate Offer
Purchase rate p.a. Purchase rate p.a.9.99% for 9 months, then 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 10 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

  • Purchase rate offer. This card charges a 9.99% p.a. interest rate on new purchases made with this card for the first 9 months when you apply and are approved for this card. At the end of the introductory period, the purchase interest rate will revert to 21.99% p.a. Note that you will still be required to meet minimum repayments during the interest-free period.
  • No annual fee. The Kogan Money Credit Card has an ongoing $0 annual fee.

Rates and fees

  • Purchase rate. Outside of any promotions, this card charges a 21.99% p.a. variable purchase interest rate.
  • 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.

Ask a question

Ask a question
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Amy Finder

Journalist

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Avatar

Tony

December 03, 2024

2 Questions.

What do you mean by: Balance Transfer Limit – 80% ? I have a credit card with $15000 limit and its nearly empty. How much I can transfer from there?

2ndly, am I able to transfer from a credit card which is in joint account with my partner?


Avatar

Sarah Megginson Finder

December 09, 2024

Hi Tony,


The limit of 80% means you can transfer up to 80% of your new credit card limit. For instance, if that limit is $10,000, then you could transfer up to $8,000 across.


If you have a credit card with a $15,000 and the balance is very low, then you probably won’t get any benefit from a balance transfer card.


If you apply for a new account as joint applicants, then you can transfer the debt across from an existing joint account, but banks may not accept a debt from a joint account to a single person’s account, as you’re effectively taking on the full burden of that debt for the other person and you’re not legally responsible for it. This may vary between different lenders, so you can contact the bank directly for personal advice.


Hope this helps!


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KP

November 03, 2024

can you please elaborate on Interest-free days. Card description says “When you pay your previous balance in full by the statement due date, you can take advantage of up to 44 interest-free days on purchases. You won’t be eligible for interest-free days if you’re paying off a balance transfer.”


How will repayment work with BT?


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Angus Kidman Finder

November 04, 2024

If you’ve transferred a balance, no interest applies to that transferred balance during the offer period. But that means any new purchases won’t be eligible for a no-interest period. If you’re using the card for a balance transfer, it makes sense not to use it for new purchases and to focus on paying down that balance. But if you’re using it for everyday purchases, the interest-free days can be useful. Hope that helps.


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Luke

October 30, 2024

I’m self employed but haven’t yet done last years tax return. Can I use BAS statements and bank records as proof of income?


Avatar

Angus Kidman Finder

October 31, 2024

Hi Luke, Kogan’s criteria for self-employed applicants are two years of tax returns or two years of company P&L statements – so it looks like you’d need to have done your tax return before applying. Hope this helps.


Avatar

CC

September 29, 2024

2 questions: What is the fee for missed monthly repayments?

Do they accept a balance transfer from Westpac Ignite?


Avatar

Sarah Megginson Finder

September 30, 2024

Hi CC,


A missed monthly payment is considered to be late, so you would be charged the listed late payment fee of $30.


There are no brands mentioned as being excluded for the balance transfer in the FAQs or the terms and conditions, so it’s likely that a Westpac card is eligible. But if you want to be certain before you apply, you can call their customer service team on 1300 415 445.


Hope this helps!


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Avatar

Jeigh

September 14, 2024

Hi,


Is this promotion of 18months 0% interest on balance transfer still on offer? I went to the kogan money website and the offer is different. If I sign up through finder website, will I get this 18months 0% on balance transfer offer? Thank you


Avatar

Angus Kidman Finder

September 15, 2024

Hi Jeigh, Yes, you need to apply through Finder to get the 18 months offer – you can start your application with the ‘Go to site’ button at the top of this review.


Go to site
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