Kogan Money Black Card

Earn up to $400 Kogan.com Credit and save with a $0 annual fee.

The Kogan Money Black credit card combines rewards, shopping perks and cost-saving features. This includes $50 Kogan.com Credit when you apply by 30 June 2021 and use your new card to make your first eligible purchase in the first 30 days. You'll receive another $350 Credit when you spend at least $1,500 on eligible purchases in the first 90 days.

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0% p.a.

Balance transfer rate

for 12 months

20.99% p.a.

Purchase rate


Reward point

Per $ spent

$0 p.a.

Annual fee

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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 limit
Purchase rate20.99% p.a.
Annual fee$0
Interest-free periodUp to 55 days on purchases
Cash advance rate21.74% p.a.
Min credit limit$6,000
Card typeVisa
Foreign currency conversion fee3.4%
Minimum income$35,000
Available to temporary residentsNo


  • 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


  • Purchase interest rate of 20.99% p.a. is relatively high
  • Maximum earn rate only applies on Kogan.com purchases
Rewards programKogan Rewards Program
Bonus pointsN/A
Rewards points per $ spent1
Rewards points capUncapped
Annual fee$0
Minimum monthly repayment2% of the closing balance or $30, whichever is greater
Late payment fee$30
Foreign currency conversion fee3.4%
Cash advance fee3.5% or $5, whichever is greater
Overseas cash advance fee$5
Additional cardholder fee$0
Number of additional cardholders4

Review by

Sally 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.

Expert review

The Kogan Money Black credit card offers both rewards and no annual fee. 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, with up to 2 points per $1 spent. You can then redeem your points for shopping at Kogan.com, with 100 points equal to $1 in value.

If you're looking to be rewarded for your spending but aren't a regular Kogan customer, you can compare a range of rewards cards to find the one that will give you the most value.

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 least $35,000 per year.
  • Residency. This card is only available to citizens and permanent residents of Australia.

Card benefits

  • Up to $400 Kogan.com Credit. You'll earn $50 Credit on first eligible spend in 30 days and $350 Credit when you apply by 30 June 2021 and spend $1,500 on eligible purchases in the first 90 days.
  • Balance transfer. Apply by 30 June 2021 and you can get existing debt under control and pay 0% p.a. interest on balance transfers for 12 months (no balance transfer fee applies). At the end of the introductory period, any remaining charges will attract the cash advance rate, currently 21.74% p.a.

Rates & fees

  • $0 annual fee. The Kogan Money Black card does not charge an annual fee.
  • Purchase rate. This card charges a 20.99% p.a. variable purchase interest rate.

Compare $0 annual fee credit cards

Name Product Annual fee Purchase rate Balance transfer rate
Coles No Annual Fee Mastercard - Exclusive Offer
0% p.a. for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
Finder Exclusive, ends 16 June 2021
Earn 10,000 bonus Flybuys points and save on interest charges with 0% p.a. on balance transfers and purchases for 12 months.
Kogan Money Black Card - Exclusive Offer
20.99% p.a.
0% p.a. for 24 months
Finder Exclusive
Save with a $0 annual fee and a 0% introductory rate on balance transfers. Plus, earn $50 Kogan.com Credit and uncapped rewards points.
Bankwest Zero Platinum Mastercard
14.99% p.a.
0% p.a. for 26 months with 2% balance transfer fee
Get 0% p.a. on balance transfers for 26 months (with a 2% BT fee), ​an ongoing $0 annual fee and 0% foreign transaction fees.
ANZ Low Rate
$0 annual fee for the first year ($58 p.a. thereafter)
12.49% p.a.
0% p.a. for 30 months
Save with 0% p.a. on balance transfers for 30 months (with no BT fee) and $0 first-year annual fee. Plus a 12.49% p.a. purchase interest rate.
Bankwest Breeze Classic Mastercard
$0 annual fee for the first year ($49 p.a. thereafter)
0% p.a. for 15 months, reverts to 9.9% p.a.
0% p.a. for 15 months
Save with 0% p.a. on purchases and balance transfers for 15 months (with no BT fee). Plus, a $0 first-year annual fee.
Westpac Low Rate Card
$0 annual fee for the first year ($59 p.a. thereafter)
13.74% p.a.
0% p.a. for 28 months with 1% balance transfer fee
Save with a $0 annual fee for the first year, plus, a 0% interest rate on balance transfers for 28 months.
ANZ Platinum Credit Card
$0 annual fee for the first year ($87 p.a. thereafter)
0% p.a. for 17 months, reverts to 20.24% p.a.
20.24% p.a.
Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.
Bankwest Breeze Platinum Mastercard
$0 annual fee for the first year ($69 p.a. thereafter)
0% p.a. for 15 months, reverts to 9.9% p.a.
0% p.a. for 15 months
Get 0% interest on purchases and balance transfers for 15 months, a $0 first-year annual fee and no foreign transaction fees.

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