Kogan Credit Card | Kogan Black Credit Card

Kogan Money Black Card

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

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Why choose Kogan Black?

No annual fees

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

Earn $300 Kogan.com Credit

Spend $3,000 in the first 90 days from approval on eligible purchases and you’ll receive $300 in Kogan.com Credit, which you can use within the next 12 months of the Credit being applied.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.
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Applying only takes minutes!

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

Uncapped rewards points

Earn up to 2 rewards points per dollar.2

  • 2 rewards points per $1 of eligible spend on Kogan exclusive brand purchases.
  • 1 rewards point per $1 of eligible spend on Kogan.com non-exclusive brands.
  • 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.6
  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 mobile app, select the eligible credit card payment and follow the instructions to pay with your rewards points.7

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 558
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.

Why choose the Kogan Money Black Card?

No annual fees!

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

Earn $300 Kogan.com Credit

Spend $3,000 on eligible purchases in the first 90 days from approval and you’ll receive $300 in Kogan.com Credit, which you can use within the next 12 months of the Credit being applied.1

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 7 December 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, which you can use within the next 12 months of the Credit being applied, you must apply for a Kogan Money credit card by 17 December 2019 and spend $3,000 or more on your Kogan Money credit card on eligible purchases within the first 90 days from approval. Kogan.com Credit will expire 12 months from the date it is applied to your Kogan.com account and cannot be extended. 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, which you can use within the next 12 months of the Credit being applied, 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, which you can use within the next 12 months of the Credit being applied, 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 17 December 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 7 December 2019. This offer is valid until 17 December 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.
  6. 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. Additional Cardholders are not eligible for Pay with Points. The number of points required to redeem for eligible purchases at Kogan.com is current as at 7 December 2019, and is 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.
  7. 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. The number of points required to redeem for Kogan Money credit card payments made on selected transactions is current as at 7 December 2019, and is 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.
  8. 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.

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Important Information
All applications are subject to credit criteria. Fees, charges and Terms and Conditions apply.
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).
Kogan Australia Pty Limited receives commission for the introduction of credit business to Citigroup.