When you spend $1,500 on eligible purchases in 90 days from card approval†
Plus a chance to win a Winter Bonanza giveaway if you apply by 21 August 2022!*
Super low fees & super simple. See how Kogan Super is making waves in the super industry.
Important Information: Credit Cards
We’re here to support your needs during COVID-19.
Our online systems are unaffected so you can access a range of services anytime in your account on the Kogan Money Credit Cards Mobile App or Kogan Money Credit Cards Online. If you need to contact us, just log into Kogan Money Credit Cards Online to send us a secure message, or submit an online enquiry. Should you experience financial hardship because of COVID-19, visit our Financial Hardship page to find out how we can help. Stay safe. Kogan Money Credit Cards are issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). NAB has acquired the business relating to these products from Citigroup Pty Ltd (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to assist to administer the products. Our/us/we means NAB unless the context otherwise requires it.
*The Kogan Credit Card Winter Bonanza PRIZE DRAW Competition is open to legal residents of Australia who have reached 18 years of age as of the beginning of the Competition Period. No purchase is necessary. The Competition is subject in all instances to compliance with applicable law. The Competition Period runs from 15 July 2022 to the 21 August 2022.
Entrants must apply for a new Kogan Money Black Card by 21 August 2022 and subsequently be approved in order to participate. The Entrant, having applied for the Kogan Money Black Card, must ensure they complete all mandatory fields of the application form, and apply before the Competition End Date. Upon successful approval of the application, they will be automatically entered into the prize draw. Applicants are allowed a maximum of one entry.
All Entries that are incomplete, illegible, damaged, contain an erroneous phone and/or email address or do not conform to or satisfy any condition of the rules may be disqualified by Kogan.com. Following the conclusion of the Competition, Kogan will select, at random, 20 winners.
The draw will take place on the 26 September 2022. The winning entrants will be notified by email on the same date. The winners must claim their prize by responding via email by 5 October 2022. In the event of the prize being unclaimed by 12 October 2022, further draw/s will take place to determine replacement winners. The secondary draw will take place on 13 October 2022. The replacement winners will be notified by email on the same day.
The prize draw consists of 1 x Samson Satellite USB/iOS Broadcast Microphone, Kogan QLED 75" 4K UHD HDR Smart TV Android TV™ (Dolby Atmos, XQ9610), 1 x EZVIZ C6P ez360 Pano Indoor 3MP Wireless Fisheye Security Camera (CS-CV346-A0-7A3WFR), 1 x MasterPro 12-in-1 Ultimate Cooker Kogan 5.1Ch 230W Dolby Soundbar with Subwoofer & Rear Speakers, 1 x Sony WH-1000XM4 Wireless Noise Cancelling Headphones, 1 x Kogan Surround Sound Bluetooth Speaker, 1 x Kogan SmarterHome™ Smart Gateway & Security System Sensor Kit (Bluetooth Mesh), 1 x Kogan Z11 Pro Cordless Stick Vacuum Cleaner, 1 x Kogan GK9 RGB Gaming Keyboard, 1 x Kogan SmarterHome™ Colour & Warm/Cool White Smart LED Ambient Bar Light - Pack of 2, 1 x Foxtel Now Box (Netflix Compatible), 1 x Garmin Forerunner 245 Music, 1 x Kogan Portable Ceramic Fan Heater, 1 x Kogan SmarterHome™ Wi-Fi Body Composition Smart Scale, 1 x Swann 4 Channel DVR with 4 x 4K Ultra HD Heat & Motion Detection Security Cameras System, 1 x Kogan Smart Grill & Sandwich Press, 1 x Samsung Galaxy Watch Active2 44mm LTE, 1 x Ergolux Everest Ergonomic Chair & 1 x Kogan PowerFlow Wireless Charging Gaming Mouse & RGB Wireless Charger Mouse Pad.
The Prizes will be dispatched to the winners within 27 days of the draw. Authorised under SA Permit Number: T22/1055 & ACT Permit Number: TP 22/01332. For full terms & conditions, click here.
# You can earn 2 Rewards Points per whole Australian dollar of eligible spend at Kogan.com. Only purchases made at Kogan.com will be eligible to earn 2 Rewards Points for each Australian Dollar spent. This does not include purchases for Kogan Essentials products and services (e.g. Kogan Mobile, Kogan Internet or Kogan Energy) or purchases made at other Kogan owned websites such as Matt Blatt or Dick Smith. All other eligible spend earns 1 Rewards Point per whole Australian dollar. Earning and redeeming Rewards Points is subject to the full details and definitions outlined in the Kogan Money Credit Cards Rewards Terms and Conditions, as amended from time to time. Note that to redeem points online at Kogan.com you are required to be the primary cardholder, have linked your Kogan Money Credit Card to your Kogan.com account and registered for “Shop with Points” at Kogan.com. Earn rates are subject to change. An eligible spend is an Eligible Transaction as defined in the Kogan Money Credit Cards Rewards Terms and Conditions, and Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi branded Accounts, fees and charges such as interest and ATM charges, transactions made using Rewards Points and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). Please note that whether or not a transaction is an Eligible Transaction will be determined based on information provided either by the merchant or the relevant financial institution (including information about the type of business conducted by the merchant). This means that, for example, spend with certain merchants may be characterised as spend with a government related entity and therefore not an Eligible Transaction, even if that merchant is not in fact a government related entity. Rewards Points are earned on Eligible Transactions only. See Kogan Money Credit Cards Rewards Terms and Conditions, available at www.koganmoney.com.au/credit-cards/important-information for full details and definitions.
x Your total Balance Transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer for a period of 12 months. The 12 months promotional period commences when the Balance Transfer is processed, and you must make the Balance Transfer request within 90 days from approval to receive this offer. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the variable annual percentage rate for cash advances, currently 21.74% p.a. on the Kogan Money Black Card. Interest rates are variable and subject to change. The interest rates are current as at 1 June 2022. This offer is valid until 21 August 2022, unless extended. Please note that you are not entitled to any interest free days whilst you have a balance transfer. This means that all spend will be charged interest at the variable annual percentage rate for retail purchases. Rewards Points are not issued on balance transfers. This offer is for new Kogan Money Credit Cardholders only and is subject to be extended, without notice at our discretion, is non-transferrable and can’t be used in conjunction with any other promotions or offers. For important information to consider before taking up a balance transfer, please refer to our balance transfer FAQs at koganmoney.com.au/credit-cards/FAQs.
◊ For purchases of up to $100, simply wave and go anywhere that has a Visa payWave sensor. Withdrawal limits, fees and charges may apply.
~ You are required to be a Kogan.com Account Holder, and register Your Card for “Shop with Points” with Your Kogan.com account to be eligible to redeem using Pay with Points at Kogan.com. Kogan.com accounts are subject to the Kogan.com Terms and Conditions, and Shop with Points is subject to Kogan’s Terms and Conditions for Using Shop with Card Reward Points at Kogan. Once You have registered Your Card, Pay with Points will appear as a payment option on selected products on Kogan.com. If You make a partial Rewards Points redemption, the remaining balance will be charged to Your chosen payment option by Kogan.com. Items purchased using Pay with Points are also subject to the Kogan.com Terms and Conditions and return policy, which can be found at www.kogan.com/au/tcs-landing/. You do not earn Rewards Points on the portion of Your redemptions made with Your Rewards Points at Kogan.com. You may only enrol one credit card at any time with Shop with Points. Additional Cardholders are not eligible for Pay with Points. 1 Rewards Point equates to $0.01. Rewards Point value is accurate as at 1 June 2022 but subject to change. Please refer to the full Kogan Money Credit Cards Rewards Terms and Conditions, available at koganmoney.com.au/credit-cards/important-information.
§ You may use Your Rewards Points to pay for certain selected transactions that We present to You via SMS, Kogan Money Credit Cards Online and the Kogan Money Credit Cards Mobile App. Only selected transactions that You have made and that We present to You can be redeemed using Pay with Points. You must follow the instructions where You are provided with the option to pay for a selected transaction with Your Rewards Points. We will process that credit to Your Account within 2 Business Days. Only the Primary Cardholder is eligible for Pay with Points. 1 Rewards Point equates to $0.01. Rewards Point value is accurate as at 1 June 2022 but subject to change. Please refer to the full Kogan Money Credit Cards Rewards Terms and Conditions, available at koganmoney.com.au/credit-cards/important-information.
Δ The 55 days Interest Free Period applies when you pay the full Closing Balance from your last statement of Account by the Payment Due Date (excluding any Fixed Payment Option balance which isn’t due for payment by that Payment Due Date). No interest free period is available on Cash Advances or Balance Transfers. Whilst you have a Balance Transfer you will be charged interest on your daily unpaid balance.
+ Visa’s Zero Liability covers fraudulent charges or unauthorised purchases made with your Kogan Money Credit Card account information or card, and excludes ATM transactions and transactions not processed by Visa. T&C’s and exclusions apply. For more information see https://www.visa.com.au/pay-with-visa/security/zero-liability.html.