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Kogan Money Black Card
Earn up to $400 Kogan.com Credit and save with a $0 annual fee, but take note of the interest rate.
The Kogan Money Black credit card combines rewards, shopping perks and cost-saving features. This includes $100 Kogan.com Credit when you apply by 30 November 2021 and use your new card to make your first eligible purchase in the first 30 days. You'll receive another $300 Credit when you spend at least $1,500 on eligible purchases in the first 90 days.
0% p.a.
Balance transfer rate
for 12 months
20.99% p.a.
Purchase rate
1
Reward point
Per $ spent
$0 p.a.
Annual fee
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Details
| Product Name | Kogan Money Black Card |
|---|---|
| Rewards program | Kogan Rewards Program |
| Balance transfer rate | 0% p.a. for 12 months |
| Balance transfer revert rate | Cash Advance Rate (21.74% p.a.) |
| Balance transfer limit | 80% of available limit |
| Purchase rate | 20.99% p.a. |
| Annual fee | $0 |
| Interest-free period | Up to 55 days on purchases |
| Cash advance rate | 21.74% p.a. |
| Min credit limit | $6,000 |
| Card type | Visa |
| Foreign currency conversion fee | 3.4% |
| Minimum income | $35,000 |
|---|---|
| Available to temporary residents | No |
Pros
- No annual fee
- 0% p.a. for the first 12 months on balance transfers (no BT fee applies)
- Up to $400 Kogan.com Credit
- Uncapped rewards points
Cons
- Purchase interest rate of 20.99% p.a. is relatively high
- Maximum earn rate only applies on Kogan.com purchases
| Rewards program | Kogan Rewards Program |
|---|---|
| Bonus points | N/A |
| Rewards points per $ spent | 1 |
| Rewards points cap | Uncapped |
| Annual fee | $0 |
|---|---|
| Minimum monthly repayment | 2% of the closing balance or $30, whichever is greater |
| Late payment fee | $30 |
| 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 |
Review by
Sally McMullen
sally.mcmullen@finder.com.auSally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.
