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Exclusive Offer

Kogan Money Black Card – Exclusive Offer

Get 0% p.a. interest on balance transfers for 30 months with no balance transfer fee.

When you apply for the Kogan Money Black credit card through Finder by 21 August 2022, you’ll get 0% p.a. for 30 months on balance transfers with no balance transfer fee. This could be a great way to save money, but make sure you'll pay off your balance before the rate reverts to 21.74% p.a.

You'll also be eligible to earn $30 Kogan.com credit when you spend at least $1,000 on eligible purchases in the first 60 days from card approval. Note that interest-free days do not apply to purchases when you have a balance transfer, so pay them off straight away to avoid interest.

2.1 ★★★★★ (7 reviews) Write a review

0% p.a.

Balance transfer rate

for 30 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 - Exclusive Offer
Rewards programKogan Rewards Program
Balance transfer rate p.a.0% for 30 months
Balance transfer revert rateCash Advance Rate (21.74% p.a.)
Balance transfer limit80% of available limit
Purchase rate p.a.20.99%
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 30 months on balance transfers, with no balance transfer fee
  • $30 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

Amy has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. She is also the editorial lead for Finder Green, covering sustainability across different industries. Her work has appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy also has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

Available exclusively through Finder, this introductory offer on the Kogan Money Black Card gives you a way to pay off existing debt interest-free for 30 months, with no balance transfer fee. This is a competitive long term for a balance transfer, but make sure you can pay it off before the 21.74% p.a. revert rate kicks in. You can also keep your ongoing credit card costs down with no annual fee for life.

If you’re more interested in spending right now, the $30 Kogan.com Credit that’s available through this offer could help you save on some online shopping.

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

  • Apply through Finder. To get the 0% balance transfer offer and $30 Kogan.com Credit offer, you need to apply through Finder before 21 August 2022.
  • Income. You must earn at least $35,000 per year.

Card benefits

  • 0% balance transfer. Apply through Finder by 21 August 2022 and you’ll get 0% p.a. interest on balance transfers for 30 months. You must request your balance transfer within 90 days of approval to take advantage of this offer. At the end of the introductory period, any remaining charges will attract the cash advance rate, currently 21.74% p.a.
  • $30 Kogan.com Credit. You'll earn $30 Kogan.com Credit when you apply by 21 August 2022 and spend $1,000 on eligible purchases in the first 60 days.

Rates and 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.

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