† Up to $200 Kogan.com Credit is available to new approved Kogan Black credit card account holders who apply by 31 July 2020. Post this advertised date, Citigroup reserves the right to continue, withdraw or change the offer at any time without notice. $50 Kogan.com Credit will be awarded for each month from card approval, when $1,000 or more is spent on everyday purchases that month. This offer is only available for the first 4 months. 'Everyday purchases does not include Cash Advances, Balance Transfers, 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 Fixed Payment Option fees. The $50 Kogan.com Credit will be credited to your Kogan.com account up to 10 weeks after the end of each qualifying month. 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. If the spend criteria is not met for any of the individual months during the first 4 months, $50 Kogan.com Credit will not be awarded for that month. Kogan.com Credit will expire 12 months from the date it is applied to your Kogan.com account and cannot be extended. Please note that if you have a balance transfer, you will be charged interest on any spend that you make.

# 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. 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, and the complimentary Kogan First membership benefit may be withdrawn or changed at any time. 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 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 1 June 2020. This offer is valid until 31 July 2020, 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, 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.

◊ 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 2020 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. T1 Rewards Point equates to $0.01. Rewards Point value is accurate as at 1 June 2020 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.