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Get $300 off your Kogan Energy electricity bill with a Kogan Money Credit Card

22.8% less than the Reference Price!*

Just spend $1500 on eligible purchases within the first 90 days from card approval and sign up to the Kogan Energy $300 Offer. Offer ends 30 September 2021.

*Reference price based on an average customer who uses 3900kWh per year on an Anytime (single rate) tariff in the Ausgrid network. We estimate the annual spend on this offer will be $775. Your actual bills will vary depending on your usage and any price changes in the future.

How it Works

Get a Kogan Money
Credit Card

Spend $1,500 on eligible purchases in the first 90 days from card approval

Sign up to the Kogan Energy $300 offer by 30 September 2021

New and existing Kogan Energy customers are eligible for this offer!

Receive $300 off your
Kogan Energy Electricity Bill!

We’ll credit $300 to your Kogan Energy electricity account after meeting the spend criteria, and any left over credit will rollover to your next bill.

Why choose the Kogan Money Black Card?

$300 off your Kogan Energy electricity Bill

Spend $1,500 on eligible purchases in the first 90 days from card approval and you’ll receive $300 off your Kogan Energy electricity bill.

No annual fee

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

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!)~

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.

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

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!

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 0% p.a. on purchases for 14 months. Reverts to retail purchase rate once promotional period ends, currently 20.99% p.a.x
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

Learn more about Kogan Energy

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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.

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 30 September 2021. Post this advertised date Citigroup reserves the right to continue, withdraw or change the offer at any time without notice. This information is correct at 4 August 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).

View all important information

Kogan Energy $300 Offer T&Cs.
To be eligible to receive the $300 (incl GST) Kogan Energy electricity account credit (Credit) you must sign up to the Kogan Energy $300 Offer and apply for a Kogan Money Black Card by 30/09/21 and then spend $1,500 or more on eligible purchases using your new card within the first 90 days of your credit card approval date.
The Credit is a one-off credit which will be applied to your Kogan Energy electricity account within 10 weeks after the end of the qualifying period. This offer is only available to Kogan Energy customers who sign up to the Kogan Energy $300 Offer under the same name and email address as their Kogan Money Black Card account. The Credit cannot be refunded, transferred, or redeemed for cash. This offer cannot be used in conjunction with any other Kogan Energy offer available from time to time.

Kogan Money Credit Card T&Cs.
To be eligible to receive the $300 (incl GST) Kogan Energy electricity account credit (Credit) you must sign up to the $300 Kogan Energy Credit Card Offer and apply for a Kogan Money Black Card by 30/09/21 and then spend $1,500 or more on eligible purchases using your new card within the first 90 days of your credit card approval date. 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. Your Kogan.com account will be set up upon approval of your application (if you don’t already have one). The Credit is a one-off credit which will be applied to your Kogan Energy electricity account within 10 weeks after the end of the qualifying period, and any left over credit will roll over to your next bill until the balance is exhausted or if you terminate your Kogan Energy account. This offer is only available to Kogan Energy customers (new or existing) who sign up to the Kogan Energy $300 Offer under the same name and email address as their Kogan Money Black Card account. 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. 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 30/09/2021. 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. Post this advertised date; Citigroup reserves the right to continue, withdraw or change the Kogan Money credit card 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, 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 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 4 August 2021. This offer is valid until 30 September 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, 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 4 August 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 4 August 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.