Kogan Money | Credit Card - Superannuation - Home Loans
$400 20212
Earn $400 Kogan.com Credit with a Kogan Money Black Card

When you spend $1,500 on eligible purchases in 90 days from card approval

Plus a chance to win a Christmas Giveaway if you apply by 31 December 2021!*

Credit Card
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See how Kogan Super stacks up

Super low fees & super simple. See how Kogan Super is making waves in the super industry.

Superannuation
Home Loans
Find the right lending option for you

Kogan Money Home Loans,
Award-winning borrowing options to suit you.

*Variable interest rates for new Choice Prime
P&I loans with an LVR <75%.

*Variable interest rates for new Choice Prime
P&I loans with an LVR <75%.

¹Variable interest rates for new Choice Near
Prime P&I loans with an LVR <65%.

Score $700 Kogan.com Credit!

When you settle your new home loan Kogan Money Home Loans1

Home-loans
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Kogan Credit Card

Earn $400
Kogan.com Credit

Plus a chance to win a Christmas Giveaway if you apply by 31 December 2021!*

No annual Fee

Uncapped rewards points#

Free Kogan Membership

Kogan Super

Invest in your future with a super simple, low-fee
super fund



Super Low Fees

Super Simple

Super reliable, partnered with Mercer

Kogan Home Loans

Helping Australians reach their property goals through flexible lending solutions.



Earn $700 Kogan.com Credit when you settle1

Flexible interest rates

Wide Range of Borrowing Options

Discover More Kogan Essentials.

Important Information: Credit Cards

We’re here to support your needs during COVID-19.

Our online banking 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 Citigroup Pty Limited ABN 88 004 325 080, AFSL and Australian credit licence 238098 (Citigroup).

To obtain a copy of the Target Market Determination (TMD) related to this product click here.

All applications are subject to credit criteria. Fees, charges and Terms and Conditions apply. See the full Terms and Conditions related to this product at koganmoney.com.au/credit-cards/important-information. This offer is for new Kogan Money Credit Card customers only and cannot be used in conjunction with any other promotions or offers. If you have previously held a Kogan Money Credit Card, you will not be eligible for this offer. This offer is valid until 31 December 2021. Post this advertised date Citi reserves the right to continue, withdraw or change the offer at any time without notice. This information is correct at 1 December 2021. Any interest rates shown are variable. Kogan Money Credit Cards are issued by Citigroup Pty Limited ABN 88 004 325 080, AFSL and Australian credit licence 238098 (Citigroup).

*The Kogan Credit Card 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 1 December 2021 to the 31 December 2021. Entrants must apply for a new Kogan Money Black Card by 31 December 2021 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, 10 winners. The draw will take place on the 1 February 2022. The winning entrants will be notified by email on the same date. The winners must claim their prize by responding via email by 15 February, 2022. In the event of the prize being unclaimed by 15 February, 2022, further draw/s will take place to determine replacement winners. The secondary draw will take place on 18 February 2022. The replacement winners will be notified by email on the same day. The prize draw consists of 1 x Ninja 1400W 4L Foodi Multi Cooker, 1 x Kogan QLED 75" 4K UHD HDR Smart TV Android TV™ (Dolby Atmos), 1 x Garmin Fenix 6X Pro Solar - 51mm (Titanium, Carbon Gray DLC with Black Band), 1 x pair Apple AirPods, 1 x Bose Soundlink Revolve II, Portable Bluetooth Speaker (Black), 1 x Dyson V8 Animal Cordless Vacuum Cleaner, 1 x Xiaomi Mi Electric Scooter Pro 2 (AU/NZ Model), 1 x KitchenAid KSM150 Artisan Stand Mixer - Empire Red, 1 x DJI Air 2S Drone - Fly More Combo & 1 x GoPro HERO9 Black 5K HyperSmooth 3.0 Action Camera. The Prizes will be dispatched to the winners within 27 days of the draw. Authorised under SA Permit Number: T21/1836 & ACT Permit Number: TP21/02026. For full terms & conditions, visit https://www.kogan.com/au/kogan-mny-giveaway/?s=null.

To be eligible to receive the $400 Kogan.com Credit, you must apply for a new Kogan Money Black Card by 31 December 2021 and spend $1,500 on eligible purchases in 90 days from card approval. Eligible purchases excludes Cash Advances, Balance Transfers, Special Promotions (for example, transfers to other accounts with a Fixed Payment Option), refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi Accounts, bank fees and charges such as interest and ATM charges, and transactions made using Rewards Points. The Kogan.com Credit will be credited to your Kogan.com account up to 10 weeks after the end of the qualifying period, and will expire 12 months from the date it is applied. Your Kogan.com account will be set up upon approval of your application (if you don’t already have one). You will receive an email requesting that you activate your Kogan.com account and agree to the Kogan.com Terms and Conditions and Privacy Policy. Your Kogan Money Credit Card must remain open and in good standing, and your Kogan.com account must remain open for the Kogan.com Credit to be credited. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. This offer is for new Kogan Money Credit Card customers only and cannot be used in conjunction with any other promotions or offers. If you have previously held a Kogan Money Credit Card, you will not be eligible for this offer. This offer is valid until 31 December 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

# 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 Accounts, bank 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.

‡ Your complimentary Kogan First membership is linked to the Primary Cardholder’s Kogan.com account. As the Primary Cardholder, your Kogan.com account will be set up upon approval of your application (if you don’t already have one). You will receive an email requesting that you activate your Kogan.com account and agree to the Kogan.com Terms and Conditions and Privacy Policy. You can then register for Card Rewards (which will allow you to access your Kogan First membership benefits, use your Rewards Points towards eligible purchases at Kogan.com, and pay for eligible purchases using a fixed payment option when paying with your Kogan Money Credit Card). To register for Card Rewards, you will need to agree to the Shop with Card Reward Points terms and conditions and Pay using Fixed Payment Options at Kogan.com terms and conditions. You may only enrol one credit card at any time with Shop with Points. To then register for Kogan First Membership, you will need to agree to the Kogan First Terms and Conditions. You will need to register for Kogan First Membership within 40 days after your Kogan Money Credit Card is approved. Additional Cardholders are not eligible for complimentary Kogan First Membership. Kogan First Membership is administered by Kogan Australia Pty Ltd. Note that free shipping, express shipping upgrades and exclusive specials are not available on all products on Kogan.com. For further information on Kogan First membership click here.

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 December 2021. This offer is valid until 31 December 2021, 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 the discretion of Citi, 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 December 2021 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 December 2021 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.

Important Information: Home loans

^All Comparison Rates are calculated based on a secured loan of $150,000 over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates for fixed Interest Only loans are based on an initial Interest Only period equal in length to the fixed period, with repayments for the remaining period being calculated at the Owner Occupied Variable Interest Rate (P&I) with LVR > 80%. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

1$700 Kogan.com Credit offer (“Offer”): Valid for new settled Kogan Money Home Loan applicants for Kogan Choice Prime, Kogan Choice Near Prime and Kogan Choice Specialist Home Loans. Kogan.com reserves the right to amend, extend or withdraw this Offer at any time. The $700 Kogan.com Credit (“Credit”) will only be paid once irrespective of how many loans or loan accounts are settled as part of one transaction. The Credit will be sent to the e-mail address of eligible policyholders after 30 days from the commencement date of the home loan start date. The home loan must also remain active and must not have been cancelled or refunded within that 30 day period. The customer must provide a valid email address at the time of application to receive this Credit. Credit can only be claimed through a Kogan.com account which is linked to the same email address used to apply for Kogan Money Home Loan. If you do not already have a Kogan.com account, you will be required to register for a Kogan.com account for free to receive the Credit. You will be sent an email to create an account so you can claim your Credit, in doing so you will be required to accept the standard terms and conditions that Kogan.com requires all account holders to accept in order to open a Kogan.com account. You must meet any relevant terms and conditions of the Kogan Home Loan product, contained in the relevant product disclosure statement when applying for the Kogan Home Loan. Credit expires 3 months from date of issue. Credit is not transferable or redeemable for cash. Customer cannot claim credit offer more than once.

Kogan Money is a brand name of Kogan Australia Pty Limited (ACN 152 570 351, Australian Credit Representative Number 512424) (Kogan), who is an authorised credit representative of Mortgage Direct Pty Limited (ACN 075 721 434, Australian Credit Licence Number 391876). Pepper Group Pty Limited (ACN 094 317 665, Australian Credit Licence Number 286655) is the service