Compare Kogan Money Credit Cards

Compare Kogan Money credit cards, benefits, features, interest rates, and fees, to decide wisely before applying.

By   |   Updated 12 Mar 2024

As seen on

Media - The Sydney Morning Herald
Media - Yahoo Finance
Media -
Media - Daily Mail Australia
Media - Australian Fintech
Media - Dynamic Business

Comparing Kogan Money credit cards

Kogan Money Black Credit Card

On website


  • Receive $300 Credit upon spending $3,000 on qualifying purchases within 90 days from card approval.
  • Enjoy no annual fees. Benefit from 0% p.a. for 6 months on balance transfers with no balance transfer fee.
  • Reverts to cash advance rate of 21.74% p.a.


  • Get a $300 sign up bonus in Credit when you meet the criteria.
  • $0 annual fee.
  • Earn 2 reward points per $1 on eligible purchases at and 1 reward point per $1 on other eligible purchases.
  • Uncapped rewards.


  • There is a 3.4% foreign currency fee.
  • The ongoing cash advance rate is 21.74% p.a.

Kogan Money credit cards are designed to provide cardholders with a host of benefits, ranging from reward points on purchases to competitive interest rates on balances. These cards are issued in partnership with a financial institution and have specific terms and conditions governing their use.

Benefits of Kogan Money Credit Cards

  • Rewards points: Kogan Money credit cards offer rewards points for every eligible transaction made using the card. These points can be redeemed for a variety of rewards, such as merchandise, travel vouchers, or cashback.
  • Competitive interest rates: Cardholders can enjoy competitive interest rates on purchases and balance transfers, making it an attractive option for those saving on interest charges.
  • Perks and offers: Kogan Money credit cards often come with additional perks and offers, such as complimentary memberships or discounts on select purchases. These perks can add value to the cardholder experience.
  • Flexible payment options: Some Kogan Money credit cards may offer flexible payment options, allowing cardholders to pay off their balance in fixed instalments over time.

Eligibility criteria for Kogan Money credit cards

To be eligible for a Kogan Money credit card, applicants must meet certain criteria set by the issuer. While specific requirements may vary depending on the type of card being applied for, common eligibility criteria include:

  • Age: Applicants must be of a minimum age to apply for a credit card in Australia.
  • Income: Issuers may require applicants to meet a minimum income threshold to qualify for a Kogan Money credit card.
  • Credit history: A good credit history is typically important for approval, as it demonstrates the applicant's ability to manage credit responsibly.
  • Residency: Applicants may need to be Australian residents or have the right to reside in Australia to be eligible for a Kogan Money credit card.

How to apply for a Kogan Money credit card

Applying for a Kogan Money credit card is a straightforward process that can often be completed online. To apply for a card, follow these general steps:

  1. Visit the Kogan Money website or the issuer's online portal.
  2. Select the specific credit card you wish to apply for.
  3. Fill out the online application form with accurate information.
  4. Submit any required supporting documents, such as proof of income or identification.
  5. Await approval from the issuer, which may include a credit check.
  6. Once approved, activate your card following the issuer's instructions.

Managing your Kogan Money credit card account

Once you have been approved for a Kogan Money credit card, it is essential to manage your account responsibly. This includes:

  • Making timely payments: Ensure you pay at least the minimum amount due on time to avoid late fees and penalties.
  • Monitoring your balance: Keep track of your spending and balance to avoid exceeding your credit limit.
  • Utilising rewards: Take advantage of rewards points and perks offered by your Kogan Money credit card.
  • Reviewing statements: Regularly review your monthly statements for accuracy and to identify any unauthorised transactions.

Help choosing a Kogan Money credit card

Our guide to Kogan Money's credit card promotions, balance transfers, rewards, rates, and fees.

  • FAQs

  • Pros & cons

What are the rewards points offered on Kogan Money credit cards?

Kogan Money credit cards offer rewards points for eligible transactions, which can be redeemed for various rewards such as merchandise, travel vouchers, or cashback.

Can I transfer balances from other credit cards to a Kogan Money credit card?

Yes, some Kogan Money credit cards may offer a balance transfer option, allowing you to move balances from other cards to consolidate debt or save on interest.

Are there annual fees associated with Kogan Money credit cards?

Annual fees may vary depending on the specific Kogan Money credit card you choose. Be sure to review the terms and conditions for details on fees and charges.

How can I earn additional rewards points with my Kogan Money credit card?

You can earn additional rewards points by making eligible purchases, taking advantage of promotional offers, or using your card for specific transactions as outlined by the issuer.


Competitive rewards program

Kogan Money Credit Cards offer a rewards program that rivals those of other major credit card providers, allowing cardholders to earn points on their purchases and redeem them for various rewards.

No annual fee

Unlike many other credit cards, Kogan Money Credit Cards do not charge an annual fee, making them a cost-effective option for cardholders who want to avoid additional expenses.

Low foreign transaction fees

Kogan Money Credit Cards have relatively low foreign transaction fees, making them a convenient choice for travelers or those who frequently make purchases from international merchants.

Digital wallet compatibility

Kogan Money Credit Cards are compatible with popular digital wallets like Apple Pay and Google Pay, offering cardholders a convenient and secure way to make payments using their smartphones.

Introductory interest rate offers

Kogan Money Credit Cards often come with introductory interest rate offers, such as a low or 0% APR for a certain period, providing cardholders with potential savings on interest charges.


Limited acceptance

Kogan Money Credit Cards may not be as widely accepted as those from larger financial institutions, potentially limiting cardholders' ability to use their cards in certain locations or for certain purchases.

High APR after introductory period

After the introductory period ends, the APR (annual percentage rate) on Kogan Money Credit Cards can increase significantly, leading to higher interest charges for cardholders who carry balances on their cards.

Minimal additional perks

Compared to some other credit cards, Kogan Money Credit Cards may offer fewer additional perks or benefits, such as travel insurance, purchase protection, or extended warranties.

Eligibility requirements

Some applicants may find it challenging to qualify for a Kogan Money Credit Card, as eligibility requirements, such as credit score criteria, income thresholds, or residency status, may be stringent.

Limited customer service options

Kogan Money Credit Cards may offer limited customer service options compared to larger financial institutions, potentially leading to longer wait times or fewer avenues for resolving issues or inquiries.