Kogan Money Credit Card - Balance Transfer Exclusive Offer

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Terms and conditions apply

Balance transfer rate for 18 months with 2% balance transfer fee: 0% p.a.
Purchase rate: 21.99% p.a.
Reward point per $ spent: 1
Annual fee: $0 p.a.

Our verdict

Save on card costs with 0% interest on balance transfers for the first 18 months and earn uncapped rewards points.

Available exclusively through Finder, this introductory offer on the Kogan Money Credit Card gives you a way to pay off existing debt interest-free for up to 18 months, with a one-time 2% balance transfer fee. Unlike some credit cards, this one lets you transfer debt from personal loans and lines of credit, as well as store and credit cards from other Australian financial institutions. But the 22.74% p.a. interest rate that applies after the first 18 months is at the high end of the scale. So you’ll typically get more value out of this offer if you can pay off your balance transfer during the 0% interest period.

If you’re more interested in spending right now, the Kogan Money Credit Card also has an ongoing $0 annual fee and a rewards program that earns up to 2 points per $1 on everyday, eligible spending. You can redeem the points for savings on Kogan.com, with 1,000 points worth $10 through the Pay with Points option. Just keep in mind that you won’t get interest-free days on new purchases if you have a balance transfer – and the 21.99% p.a. variable purchase rate is at the higher end of the scale for credit cards in Australia.

Pros

No annual fee
0% p.a. on balance transfers for 18 months
Uncapped reward points

Cons

Charges a one-time 2% balance transfer fee
High 22.74% p.a. interest rate for balance transfers after the introductory period
3.4% foreign currency fee

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 0% p.a. interest on balance transfers for the first 18 months (with a one-time 2% balance transfer fee).

Details

Product details

Product Name	Kogan Money Credit Card - Balance Transfer Exclusive Offer
Balance transfer rate p.a.	0% for 18 months with 2% balance transfer fee, 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 10 minutes as long as you meet the eligibility requirements and have the following information.

Eligibility criteria

Exclusive offer. This Kogan Money Credit Card offer is only available to new customers who apply through the link on Finder.
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.
Credit history. You must have a good credit score.
Age. You must be at least 18 years old to apply.

Required documents for the Kogan Money Credit Card offer

Personal details. Including your full name, contact details (including an Australian mobile number and valid email address), number of financial dependents.
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.

Go to Kogan Money's site More info

Card benefits

0% balance transfer. You'll get 0% p.a. interest on balance transfers for 18 months (with a one-time 2% balance transfer fee) when you apply through the link on Finder 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.
No annual fee. The Kogan Money Credit Card has an ongoing $0 annual fee.

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. You'll earn 2 rewards points per $1 on eligible spending at Kogan.com and 1 reward point per $1 spent on all other eligible transactions. You can use your points to pay at Kogan.com, with 1,000 points worth $10 credit. Or, use points for payments to your Kogan Money Credit Card.
Complimentary Kogan First membership. With this Kogan Money Credit Card offer, you'll save with a complimentary Kogan First Membership. 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.
Security. This account offers FRAUDSHIELD security protection. As a Visa card, you also get access to the Zero Liability policy to help protect you if fraudulent transactions occur.
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

Purchase rate. 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 the transaction value, whichever is higher.

Interest-free days. 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.
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. You can request a credit limit from $6,000.

Go to Kogan Money's site More info

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.
1. Kogan Money Credit Card information PDF
2. Kogan Money Credit Card TMD

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Amy Finder

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Mimi

November 03, 2025

Can the balance transfer be sent to a checking account/debit card?

Richard Whitten Finder

November 06, 2025

Hi Mimi,

You’d have to check with Kogan but usually once a balance transfer is approved the new card provider transfers the money to your original credit card account, allowing you to pay the balance off.

Tara

October 22, 2025

Can I transfer balance from a personal loan or just another credit card?

Sarah Megginson Finder

October 22, 2025

Hi Tara,

Yes, most credit cards or loans from other financial institutions are eligible to have balances transferred to a Kogan Money Credit Card, although there are some banks that are not eligible for a Balance Transfer, including:

Bendigo Bank

ING

Latitude Finance

Great Southern Bank

Heritage Bank

Adelaide Bank

credit unions

AMEX cards

This list may be updated from time to time, so its worth contacting Kogan to confirm before you apply. Good luck!

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October 16, 2025

Do you earn points purchasing from anywhere or only from Kogan?

Sarah Megginson Finder

October 18, 2025

Hi Jo, Yes, you earn 2 points per $1 on Kogan.com and 1 point per $1 on other eligible transactions elsewhere. Eligible transactions includes standard everyday shopping and spending (groceries, restaurants, movie tickets, coffees etc) while ineligible transactions usually include cash advances, interest, fees, online gambling and BPay transactions.

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May 18, 2025

Is this offer still available?

Richard Whitten Finder

May 22, 2025

Hi SE it is paused currently but may resume later in the month.

Jon

February 26, 2025

Why is the 9.99% offer no longer available?

Angus Kidman Finder

February 27, 2025

Hi Jon, Kogan has paused all new credit card applications until mid-March 2025 to undergo a major upgrade of its software systems.

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 – Balance Transfer Exclusive Offer

Pros

Cons

Congratulations, Kogan Money!

How to apply

Eligibility criteria

Required documents for the Kogan Money Credit Card offer

Card benefits

Rates and fees

Sources

Sources

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Advertiser disclosure

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