Kogan Credit Card – Current Offer
Kogan Money Credit Card.
When you spend $3,000 on eligible purchases in the first 90 days from card approval†
Our Latest Offer!
Earn $300 Kogan.com Credit
When you spend $3,000 on eligible purchases in 90 days from card approval†
Enjoy no annual fee
(1000 Points = $10 of Credit)~
Spend at Kogan.com
Why choose the Kogan Money Credit Card?
$300 Kogan.com Credit
When you spend $3,000 on eligible purchases on Kogan.com or elsewhere in 90 days from card approval†
$0 annual fee
A no annual fee rewards credit card
Earn 2 rewards points per dollar on your eligible purchases at Kogan.com & 1 rewards point per dollar on your everyday purchases, almost anywhere!# Redeem your points for eligible purchases at Kogan.com using Pay with Points (1000 Points = $10 of Credit!)~
Complimentary Kogan Membership
Get free shipping on 1000’s of products, express shipping upgrades, and exclusive specials at Kogan.com‡
0% p.a. for 6 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
0% p.a. for up to 24 months when you pay with instalments at Kogan.com1
Eligible Kogan.com purchases only. One-off fee of up to 4.5% applies for instalments. T&Cs apply
Add up to 4 additional cardholders at no cost
Simply wave and go◊
Faster Payments with Apple Pay
Pay for whatever, whenever with Google Pay
Google Pay is the fast, simple way to pay on sites, in apps, and in stores using the Kogan Money Credit Card saved on your Google Account
FRAUDSHIELD® and Visa Zero Liability
Security and fraud protection with FRAUDSHIELD® and Visa Zero Liability
Applying only takes minutes!
Spend & earn with uncapped points potential.
What are my points worth?
1000 Points = $10 Kogan.com credit!~
Earn 1 Point
Earn 2 Points
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.
- 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.~
- 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.§
|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:
|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.|
We’re here to support your needs during COVID-19.
Our online 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 National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). NAB has acquired the business relating to these products from Citigroup Pty Ltd (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to assist to administer the products. Our/us/we means NAB unless the context otherwise requires it.
To obtain a copy of the Target Market Determination (TMD) related to this product click here.
xYour 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 6 months. The 6 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 Credit Card. Interest rates are variable and subject to change. The interest rates are current as at 16 June 2023. This offer is valid until 31 August 2023, 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 our discretion, 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.
#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 branded Accounts, 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.
◊For purchases of up to $100, simply wave and go anywhere that has a Visa payWave sensor. Withdrawal limits, fees and charges may apply.
^For a list of compatible Apple Pay devices, see support.apple.com/km207105.
~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 16 June 2023 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 16 June 2023 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.
ΔThe 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.
+Visa’s Zero Liability covers fraudulent charges or unauthorised purchases made with your Kogan Money Credit Card account information or card, and excludes ATM transactions and transactions not processed by Visa. T&C’s and exclusions apply. For more information see https://www.visa.com.au/pay-with-visa/security/zero-liability.html.