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Kogan Money Black Card – Exclusive Offer
Get an introductory 0% p.a. on balance transfers for 24 months with no balance transfer fee, plus $50 Kogan.com Credit.
Apply for the Kogan Money Black credit card through Finder by 28 February 2021 and you’ll get 0% p.a. for 24 months on balance transfers (reverts to 21.74% p.a.). You’ll also collect $50 Kogan.com credit when you apply during the promotional period and 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.
0% p.a.
Balance transfer rate
for 24 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 - Exclusive Offer |
|---|---|
| Rewards program | Kogan Rewards Program |
| Balance transfer rate | 0% p.a. for 24 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 24 months on balance transfers, with no balance transfer fee
- $50 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 |
|---|---|
| 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
Amy Bradney-George
amy.bradney-george@finder.comAmy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.
