Kogan Money Credit Cards

Looking for a Kogan credit card? The table below displays Kogan credit cards on our database. The table is sorted by purchase rate (lowest to highest), then by highest Points per dollar spent.

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  • Annual fee - lowest first
  • Annual fee - highest first

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promoted
Fees & charges apply. Australian Credit Licence 233714.
13.99%
-
$55
dot
0% p.a. interest rate on balance transfers for 24 mths.
dot
2% BT fee applies.
Offer
Fees & charges apply. Australian Credit Licence 233714.
Fees & charges apply. Australian Credit Licence 233714.
promoted
Fees & charges apply. Australian Credit Licence 234945.
12.99%
-
$59
dot
0% p.a. for 24 months on balance transfers.
dot
Free overseas travel insurance. No FX fees.
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3% BT Fee. Ltd time, other fees, T&Cs apply.
Offer
Travel insurance
Fees & charges apply. Australian Credit Licence 234945.
Fees & charges apply. Australian Credit Licence 234945.
promoted
Fees & charges apply. Australian Credit Licence 233714.
13.74%
-
$59
dot
0.00% p.a. interest rate on balance transfers for 26 mths. Rate reverts to 21.49% p.a. Balance transfer fee of 2% applies.
Offer
Fees & charges apply. Australian Credit Licence 233714.
Fees & charges apply. Australian Credit Licence 233714.
promoted
Fees & charges apply. Australian Credit Licence 230686.
20.74%
0.50
uncapped
$0
dot
Points never expire
Fees & charges apply. Australian Credit Licence 230686.
Fees & charges apply. Australian Credit Licence 230686.
promoted
Kogan.com Money Black Card
Fees & charges apply. Australian Credit Licence 230686.
Kogan.com Money Black Card
21.99%
1
uncapped
$0
Link Not Supplied
Fees & charges apply. Australian Credit Licence 230686.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 230686.

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Unsure of a term in the above table? View glossary

The initial results in the table above are sorted by Reward points per $1 (High-Low) , then Annual fee (Low-High) . Additional filters may have been applied, which impact the results displayed in the table - filters can be applied or removed at any time.

promoted
Fees & charges apply. Australian Credit Licence 291313.
Receive 50,000 Bonus Qantas Points
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Receive 50,000 bonus Qantas points
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Min spend $5k in first 3 months. Offer ends 1 July 2025
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T&Cs apply. New Amex Card Members only.
Fees & charges apply. Australian Credit Licence 291313. See Terms & Conditions.
Fees & charges apply. Australian Credit Licence 291313. See Terms & Conditions.

About Kogan credit cards

Kogan.com is one of Australia’s largest online retailers, providing a range of services and products, including mobile services, internet services, insurances and financial services. Founded in 2006, Kogan.com is headquartered in Melbourne.

Kogan Money is a branch of Kogan.com that provides superannuation and banking services, such as credit cards. Kogan Money credit cards are provided and issued by National Australia Bank Limited.

Frequently Asked Questions about Kogan Credit Cards

Different types of credit cards may have different eligibility criteria. However, in general, to apply for a Kogan Money credit card, you must meet the following criteria:

  • at least 18 years old
  • an Australian citizen or permanent resident
  • in permanent full time or part time employment, or self employed
  • earn more than $35,000 a year
  • have a good credit history
  • agree to a credit check
  • have a valid email address, Australia residential address and mobile number

Before you apply, it could be a good idea to check your credit score.

For more information on eligibility requirements, visit the provider’s website.

If eligibility requirements are met, you can apply online on their website. Kogan claims the application process online will take around 10 minutes and recommends having the following documents at hand:

  • Employment and income details
  • Household expenses, such as rent and other living expenses
  • Financial commitments, such as home loan and credit card repayments

You can activate your Kogan Money credit card online on their website or through their mobile app, Kogan Money Credit Cards.

You can find exact instructions on this process in Kogan Money’s FAQ page on the website.

Kogan Money credit card interest is calculated by multiplying the applicable daily percentage rate by the daily unpaid balance (including related fees and interest) for each day of the statement period. The daily applicable percentage rate is the annual percentage rate divided by 365. The annual percentage rate varies depending on the balance type.

Interest is charged monthly at the end of each statement period. The annual percentage rate varies depending on the balance type.

Related fees and interests may apply and be included in calculations, visit the Kogan Money website for more details.

Interest-free period:

For cards that have an interest-free period (up to 55 days), interest will not be charged to retail purchases during this period as long as the closing balance for each statement is paid in full by the due date. If the owed balance is not paid by the due date, daily interest will be applied the day after the payment due date.

Your credit limit for your Kogan Money credit card will be determined based on the information you provide in your application, keeping in mind the minimum and maximum credit limits available for the card.

If you wish to decrease your credit limit, you can do so at any time using the mobile app (Kogan Money Credit Card) or online through their website.

To increase your credit limit, you will have to contact Kogan Money directly by submitting an online enquiry through their website. All credit limit increase requests will be subjected to a credit assessment.

Kogan Money’s terms and conditions also state that it can “reduce your credit limit at any time”, and will advise you of this change in writing.

You can request to close your Kogan Money credit card account via the mobile app (Kogan Money Credit Card) or online through their website. Alternatively, you could also call Kogan Money on 1300 415 445 or +612 8288 2061 if you’re overseas.

If you are experiencing financial hardship, contact Kogan Money via phone on 1800 133 397 or email cardshardship@cards.koganmoney.com.au.

Kogan Money credit card rewards program allows you to earn Rewards Points on eligible transactions using your card. The number of Points awarded is calculated by the whole Australian Dollar amount spent on eligible purchases.

There is potential to earn more Rewards Points per dollar spent when making purchases on Kogan.com using your Kogan Money credit card.

Latest in credit cards

Canstar Credit Card Star Ratings and Awards

Looking for an award-winning credit card product or to switch providers or brands? Canstar rates products based on price and features in our Credit Card Star Ratings and Awards. Our expert Research team shares insights about which products offer 5-Star value and which providers offer outstanding value overall.

Canstar rates a range of financial products, covering banking, insurance and investment. We also reveal which providers have the most satisfied customers in our dedicated Customer Satisfaction Awards.

Credit Card Star Ratings and Awards

About the authors

Nina Rinella, Editor-in-Chief

Nina Rinella
As Canstar’s Editor-in-Chief, Nina heads up a team of talented journalists committed to helping empower consumers to take greater control of their finances. Nina has written countless articles about finance and has been interviewed on finance topics by media organisations including The Australian, Realestate.com.au, Domain, the Herald Sun and the Sydney Morning Herald. Previously Nina founded her own agency where she provided content and communications support to clients around Australia for 8 years. She also spent four years as the PR Manager for American Express Australia, and has worked at a Brisbane communications agency where she supported dozens of clients, including Sunsuper and Suncorp. When she’s not dreaming up ways to put a fresh spin on finance, she’s taking her own advice by trying to pay her house off as quickly as possible and raising two money-savvy kids. Nina has a Bachelor of Journalism and a Bachelor of Arts with a double major in English Literature from the University of Queensland. She’s also an experienced presenter, and has hosted numerous events and YouTube series. You can follow her on LinkedIn and Canstar on Facebook. Meet the Canstar Editorial Team. Have a media enquiry, and interested in featuring Nina as a financial expert and commentator? Contact Canstar’s Media Team today.

Joshua Sale, GM, Research

Joshua Sale
Joshua Sale is responsible for developing the methodology and delivering Canstar’s flagship Star Ratings, as part of Canstar’s Research Team. With tertiary qualifications in economics and finance, he enjoys helping Australians find more suitable financial products by transforming complex calculations into a consumer-friendly Star Rating that explains the values and benefits of different financial products. As one of Canstar’s company spokespeople, Joshua is confident participating in print, radio and broadcast journalism interviews. He has participated in interviews with the Australian Financial Review, news.com.au and Money Magazine, along with other leading media outlets, discussing topics such as home loan equity, banking incentive schemes, digital wallets and wider finance trends. You can follow Joshua on LinkedIn. Have a media enquiry, and interested in featuring Joshua as a financial expert and commentator? Contact Canstar’s Media Team today.

 


Important information

For those that love the detail

This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.

Canstar may earn a fee from its Online Partners for referrals from its website tables, and from sponsorship or promotion of certain products. Fees payable by product providers for referrals and sponsorship or promotion may vary between providers, website position, and revenue model. Sponsorship/promotion fees may be higher than referral fees. If a product is sponsored or promoted, it’s an ad and it is clearly marked as such. An ad might appear in different places on our website, such as in comparison tables and articles. Ads may be displayed in a fixed position in a table, regardless of the product's rating, price or other attributes. The location of an ad doesn’t indicate any ranking or rating by Canstar. Payment of fees for ads does not influence our Star Ratings. See How We Get Paid to find out more. Payment of fees for ads does not influence our Star Ratings or Awards.

The Credit Cards Star Ratings are updated daily based on product features at that date, except for the Overseas Travel profile which is updated annually. Current rates, product features and fees are displayed and may be different to what was rated. The results don’t include every provider in the market and we may not compare all features relevant to you. You can find a description of the initial sort order below the table. Depending on which card feature/use you are looking at, the results will be sorted as follows:

  • Low fee is sorted by Star Ratings, then lowest Annual Fee, then alphabetically by brand.
  • Rewards is sorted by Star Ratings, then lowest Annual Fee, then alphabetically by brand.
  • Frequent Flyer is sorted by Star Ratings, then highest airline points per dollar, then alphabetically by brand.
  • Balance Transfer is sorted by Star Ratings, then lowest balance transfer rate, then lowest rate for the longest period, then lowest revert rate, then lowest upfront fee, and then alphabetically by brand. Please note that Balance Transfer Star Ratings are not for balance transfer suitability but are instead based on the Low Rate profile. 
  • All card types is sorted by highest Points per dollar spent, then lowest Annual fee, then alphabetically by brand.
  • Overseas Travel is sorted by Star Ratings, then lowest currency conversion on purchases, then lowest annual fee.

 

You can use the sort buttons at the top of each column to re-order the display. Learn more about our Credit Cards Star Rating Methodology and our Travel Credit Card and Travel Debit Card Star Ratings Methodology. The Occasional Overseas Traveller rating is shown in the table. The rating shown is only one factor to take into account when considering products. 

The products and Star Ratings in the table might not match your exact inputs in the selector. Sometimes the methodology uses profiles with categories or bands (e.g. income, loan amount or monthly spend), but sometimes a single methodology, without any categories or bands, is applied. The results will show the products that most closely match your selection, based on our profiles. If you are unsure about any terms used in the comparison table please refer to the glossary.

What is a Target Market Determination?

A Target Market Determination (‘TMD’) is a document that explains which people particular financial products may be suitable for (the target market) and sets out any conditions around how financial products can be distributed to consumers.

Why do product issuers provide Target Market Determinations?

From 5 October 2021, TMDs are compulsory for most financial products.

Issuers and distributors of financial products must take reasonable steps that are likely to result in financial products reaching consumers in the target market defined by the product issuer.

We recommend that you consider the TMD before making a purchase decision. Contact the product issuer directly for a copy of the TMD.

Any advice on this page is general and has not taken into account your objectives, financial situation or needs. Consider whether this general financial advice is right for your personal circumstances. Canstar provides information about credit products. We’re not suggesting or recommending a particular credit product for you. If you decide to apply for a Credit Card, you will deal directly with the provider, not with Canstar. It’s important you check rates and product information directly with the provider. Consider the Target Market Determination (TMD) before making a purchase decision. Contact the product issuer directly for a copy of the TMD. For more information, read our Detailed Disclosure.

Canstar is not providing a recommendation for your individual circumstances. We cannot and do not recommend that any particular product is suitable for you. 

We provide links to our Online Partners. These are brands that may pay Canstar a fee for referring you. Our tables default to display only our Online Partners’ products initially, you can adjust the Online Partner Filter to see all of the products available for comparison on Canstar’s website. We provide these links so that you can click through to the product provider’s website to get more information. The provision of these links does not constitute a recommendation by Canstar.

Before you elect to terminate or modify existing lending arrangements, it is recommended that you consider all associated fees and application costs, as well as the timing and impact these changes could have on your wider financial arrangements and personal circumstances.