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Kogan Money Black Card
Save with a $0 annual fee and reward your spending with $500 Kogan.com Credit.
The Kogan Money Black credit card combines rewards, shopping perks and cost-saving features. Earn $500 Kogan.com Credit when you apply by 31 January 2021 and use your new card to spend $4,000 on eligible purchases for the first 4 months. 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 18 months with 1.5% balance transfer fee
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 18 months with 1.5% balance transfer fee |
| 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 | 55 days |
| 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 18 months on balance transfers
- $500 Kogan.com Credit
- Uncapped rewards points
Cons
- Charges a one-time 1.5% balance transfer fee
- Purchase interest rate of 20.99% p.a. is relatively high
- Maximum earn rate is only on Kogan Exclusive brands
| Rewards program | Kogan Rewards Program |
|---|---|
| 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 |
Expert review
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.
