Kogan Money Black Card

Find out more about how we can support you during COVID-19.

Kogan Money Black Card.

$400 Kogan.com Credit

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!*


$400 Kogan.com Credit

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


$0 annual fee!

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

$8K in prizes up for grabs!

10 lucky winners. Apply for a Kogan Credit Card by 31 December 2021 and if you are subsequently approved, you will be entered into the draw.*

10 Lucky Winners. Over $8k Value in Prizes!

If you apply for a Kogan Money Credit Card by 31 December 2021 and are subsequently approved, you will be entered into the Prize Draw for your chance to win*

Scooter, Drone, AirPods, Bose Speaker & More!

Why choose the Kogan Money Black Card?

Christmas Giveaway Prize Draw!

10 lucky winners. Apply for a Kogan Credit Card by 31 December 2021 
and if you are subsequently approved, you will be entered into the draw.*

$400 Kogan.com Credit

When you spend $1,500 on eligible purchases on Kogan.com
or elsewhere in 90 days from card approval

$0 annual fee

A no annual fee rewards credit card

Complimentary Kogan Membership

Get free shipping on 1000’s of products, express shipping upgrades, and exclusive specials at Kogan.com with your complimentary Kogan First Membership.

A rewards program that delivers real value

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#. Redeem your points for eligible purchases at Kogan.com using Pay with Points (100 Points = $1 of Credit!)~

0% p.a. for 12 months on balance transfers
(no balance transfer fee applies)

Reverts to cash advance rate. No interest free days on retail purchases apply while you have a balance transferx

Add up to 4 additional cardholders at no cost

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

Visa payWave

Simply wave and go.

FRAUDSHIELD® and Visa Zero Liability

Security and fraud protection with FRAUDSHIELD® and Visa Zero Liability

Applying only takes minutes!

A Rewards Program That Delivers Real Value

100 Points = $1 of Credit!~

Earn rewards points when you shop and redeem your points for eligible purchases at Kogan.com using Pay with Points~

  • Reward Points
  • Rates, Annual Fees & Limits
  • Fees & Charges

Uncapped rewards points

Earn up to 2 rewards points per dollar.#

  • 2 rewards points per $1 of eligible spend on Kogan.com.
  • 1 rewards point per $1 of eligible spend outside Kogan.com.

You can redeem your points in one of two ways.

  1. Redeem your rewards points for eligible purchases made on Kogan.com. Register your Kogan Money Credit Card for “Shop with Points” with your Kogan.com account and this option will be available at checkout for eligible purchases.~
  2. Redeem your rewards points for Kogan Money Credit Card payments made at www.koganmobile.com.au and www.koganinternet.com.au. Login in to your credit card account online or on your Kogan Money Credit Cards Mobile App, select the eligible credit card payment and follow the instructions to pay with your rewards points.§

Annual fee $0
Retail purchase rate 20.99% p.a.
Cash advance rate 21.74% p.a.
Minimum credit limit $6,000
Additional cardholder annual fee $0
Interest free days on retail purchases (unless you have a balance transfer) Up to 55Δ
Balance transfer rate at end of offer period Reverts to cash advance rate
Minimum income required $35,000

Domestic Cash Advance Fee $5 per transaction amount or 3.5% of the transaction value, whichever is higher, for a Cash Advance, debited to your Account on the Transaction Date. Please note that International Cash Advances will also be charged an International Transaction Fee.
International Cash Advance Fee $5 per transaction amount for a Cash Advance outside of Australia, debited to your Account on the Transaction Date.
International Transaction Fee We charge you an International Transaction Fee of 3.4%, debited to your Account on the Transaction Date, of which a service and assessment fee of 1% is payable by us to Visa, for any Retail Purchase or Cash Advance transaction in:
  • foreign currency once converted to Australian dollars; and/or
  • Australian dollars (or any other currency), when either the merchant or its financial institution/payment processor is located or registered overseas, including transactions that involve dynamic currency conversion (that is where a transaction denominated in a foreign currency is converted to local currency which is a service that is offered by certain ATMs and merchants). The process of conversion and the exchange rates applied will be determined by the relevant ATM, merchant or dynamic currency conversion service provider as the case may be. We do not determine whether a Card transaction will be converted into local currency by the merchant or ATM and you may have to check with the relevant merchant or ATM provider.
Note: It may also not always be clear that the merchant or its financial institution/payment processor is located or registered outside Australia.
Dishonour Fee $15 each time a Direct Debit payment is dishonoured, debited to your Account at the time of dishonour.
Late Payment Fee $30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the Payment Due Date, debited to your Account after the Payment Due Date. The Minimum Payment Due, any Overdue Amount, and Payment Due Date are detailed on your statement of Account.

Eligibility criteria

Why choose the Kogan Money Black Card?

No
annual fee!

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

$400
Kogan.com Credit

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

Real Value
Rewards

Earn up to 2 rewards points per dollar on your eligible spend# (100 Points = $1 of Credit!)~

Complimentary Kogan First Membership

Get complimentary Kogan First Membership.

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.