Kogan Black Card | Kogan Credit Card

Kogan Money Black Card

$300 Kogan.com Credit¹ plus uncapped rewards² , and free Kogan First membership³ - all with no annual fee.

Why choose Kogan Black?

No annual fees

That’s right, $0 annual fees on this card.

Earn $300 Kogan.com Credit

Bonus launch offer – spend $3,000 in the first 90 days from approval on eligible purchases and you’ll receive $300 in Kogan.com Credit.1

Uncapped rewards points

Earn up to 2 rewards points per dollar on your eligible purchases at Kogan.com and 1 rewards point per dollar on your eligible everyday spend, uncapped.2

Complimentary Kogan Membership

Get complimentary Kogan First Membership, currently valued at $99 per year.3

0% p.a. for 12 months on balance transfers

No interest free days apply while you have a balance transfer. Reverts to cash advance rate.4

Up to 4 additional cardholders at no cost

All eligible spend by additional cardholders contributes to your rewards!2

Visa payWave

Simply wave and go.5

FRAUDSHIELD® and Visa Zero Liability

Security and fraud protection with FRAUDSHIELD® and Visa Zero Liability.

Applying only takes minutes!

Eligibility criteria

  • Earn more than $35,000 a year.
  • Be 18 years or older and a permanent Australian resident.
  • Have a valid email address and mobile number.

Why choose the Kogan Money Black Card?

No annual fees!

That’s right, $0 annual fees on this card.

Earn $300 Kogan.com Credit

Bonus launch offer – spend $3,000 on eligible purchases in the first 90 days from approval and you’ll receive $300 in Kogan.com Credit1.

Uncapped rewards

Earn up to 2 rewards points per $1 on eligible spend.2

Complimentary Kogan First Membership

Get complimentary Kogan First Membership, currently valued at $99 per year3.

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. This information is correct at 30 September 2019. 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), and are promoted and distributed by Kogan Australia Pty Limited ABN 53 152 570 351 (Kogan Money).

  1. To be eligible to receive the $300 Kogan.com Credit, you must apply for a Kogan Money credit card by 30 November 2019 and spend $3,000 or more on your Kogan Money credit card on eligible purchases within the first 90 days from approval. Eligible purchases 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, bank fees and charges such as interest and ATM charges 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). The $300 Kogan.com Credit will be credited to your Kogan.com account up to 10 weeks after the end of the 90 day qualifying period. 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 $300 Kogan.com Credit to be credited. The Kogan Rewards program, including the earning and redeeming of rewards points, is subject to the Kogan Money Credit Cards Rewards Terms and Conditions, available at koganmoney.com.au/credit-cards/important-information. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. This offer is valid until 30 November 2019. Post this advertised date; Citigroup reserves the right to continue, withdraw or change the offer at any time without notice.
  2. You can earn 2 Rewards Points per whole Australian dollar of eligible spend at kogan.com on Kogan Exclusive Brands. For more information on Kogan Exclusive Brands please visit kogan.com/au/exclusive-brands. Please note that whether or not a transaction at kogan.com comprises an eligible spend for the purpose of earning this Rewards Points earn rate is determined by information provided by kogan.com. All other eligible spend at kogan.com, or elsewhere, 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. 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.
  3. 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. 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, and the complimentary Kogan First membership benefit may be withdrawn or changed at any time.
  4. Your total balance transfers may not exceed 80% of your credit limit. The balance transfer interest rate applies to balances transferred with this offer at point of application for the period shown, from the date the balance transfer is processed. 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 30 September 2019. This offer is valid until 30 November 2019. 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, changed or withdrawn without notice at the discretion of Kogan Money credit cards, 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.
  5. For purchases of up to $100, simply wave and go anywhere that has a Visa payWave sensor. Withdrawal limits, fees and charges may apply.