Kogan Money Black Card

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Pay no annual fee and reward your spending with a $100 Kogan.com Credit plus uncapped points.

The Kogan Money Black credit card combines rewards, shopping perks and cost-saving features. When you use your new card to spend $1,000 on eligible purchases in the first 60 days of approval, you’ll score $100 in Kogan.com Credit. You’ll also earn up to 2 rewards points per $1 spent when you shop at Kogan.com and 1 rewards point per $1 spent on all other eligible transactions.

0% p.a.

Balance transfer rate

for 12 months

20.99% p.a.

Purchase rate


Reward point

Per $ spent (Visa/Mastercard)

$0 p.a.

Annual fee


Product NameKogan Money Black Card
Rewards ProgramKogan Rewards Program
Balance transfer rate0% p.a. for 12 months
Balance Transfer Revert RateCash Advance Rate (21.74% p.a.)
Balance Transfer Limit80% of available balance
Purchase rate (p.a.)20.99% p.a.
Annual fee$0 p.a.
Interest Free Period55 days
Cash advance rate (p.a.)21.74% p.a.
Min credit limit$6,000
Card TypeVisa
Foreign Currency Conversion Fee (Visa/Mastercard)3.4% of transaction value
Complimentary Travel InsuranceNo
Minimum Income$35,000
Minimum Age18 years of age
Available to Temporary ResidentsNo


  • No annual fee
  • $100 Kogan.com Credit
  • Uncapped rewards points


  • Purchase interest rate of 20.99% p.a. is high
  • Maximum earn rate is only on Kogan Exclusive brands
Rewards ProgramKogan Rewards Program
Rewards Points per $ spent (Visa/Mastercard)1
Rewards Points per $ Cap (Visa/Mastercard)Uncapped
Annual fee$0 p.a.
Minimum Monthly Repayment2% of the closing balance or $30, whichever is greater
Late Payment Fee$30
Foreign Currency Conversion Fee (Visa/Mastercard)3.4% of transaction value
Cash Advance Fee3.5% or $5, whichever is greater
Overseas Cash Advance Fee$5
Additional Cardholder Fee$0
Number of Additional Cardholders4

Expert review

Sally McMullen

Review by

Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

Expert review

The Kogan Money Black credit card is the first Kogan credit card to hit the market. Underwritten by Citi, this Visa card is designed to reward online shoppers and loyal Kogan.com customers. If you regularly shop at Kogan, you can take advantage of the higher rewards points earn rates that this card has to offer.

You can redeem your points for purchases at the Kogan.com website at a rate of 1 cent per point. So if you spend $500 on Kogan exclusive brands and earn 1,000 reward points, you could redeem that for $10 worth of purchases at the Kogan.com.

How to apply

You can apply for the Kogan Money Black 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 $35,000 per year.
  • Residency. This card is only available to citizens and permanent residents of Australia.

Card benefits

  • $100 credit offer. When you apply by 01 March 2020 and use your new card to spend $1,000 on eligible purchases in the first 60 days of approval, you'll score $100 in Kogan.com Credit.
  • Earn rewards. Collect 2 rewards points per $1 spent when you purchase exclusive products at Kogan.com and 1 rewards point per $1 spent on all other eligible transactions at Kogan.com and elsewhere. At a rate of 1 cent per point, you can use your points to pay at the Kogan.com checkout or for payments to your Kogan Money Black Card.

Rates & fees

  • Purchase rate. This card charges a 20.99% 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 21.74% p.a. and a cash advance fee of $5 or 3.5% of transaction value, whichever is higher.

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  1. Default Gravatar
    November 13, 2019

    Is it no annual fee card for life or just the first year ?

    • Avatarfinder Customer Care
      November 13, 2019

      Hi Julia,

      Thanks for reaching out to Finder.

      Kogan Money Black Card has no annual fee for life and not just for the first year. This means you do not have to pay a fee to be a cardholder which can help minimize your credit card cost.

      As a reminder, before applying for any credit card, please ensure that you meet all the eligibility criteria and read through the PDS/T&Cs before making a decision on whether it is right for you.


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