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Kogan Money Black Card
Last updated:
Save with a annual fee and reward your spending with $300 Kogan.com Credit.
The Kogan Money Black credit card combines rewards, shopping perks and cost-saving features. Earn $300 Kogan.com Credit when you apply by 15 November 2020 and use your new card to spend $3,000 on eligible purchases for the first 90 days. 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
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 | 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 12 months on balance transfers
- $300 Kogan.com Credit
- Uncapped rewards points
Cons
- Purchase interest rate of 20.99% p.a. is 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, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.