Kogan Money Black Credit Card

On website

Kogan Money Black Credit Card

Balance transfer

18 months at 0% p.a.

Purchase rate

18 months at 9.99% p.a.

Annual fee

$0.00 p.a. ongoing

Highlights

  • Receive $400 Kogan.com Credit upon spending $3,000 on qualifying purchases within 90 days from card approval.
  • Enjoy no annual fees.
  • Benefit from 0% p.a. for 18 months on balance transfers with a 2% balance transfer fee. Reverts to cash advance rate of 21.74% p.a.
  • Additionally, enjoy an introductory low purchase interest rate of 9.99% p.a. for the first 18 months.

Pros and cons

Pros

  • Get a $400 sign up bonus in Kogan.com Credit when you meet the criteria.
  • Take advantage of the introductory BT and purchase rates.
  • $0 annual fee.
  • Earn 2 reward points per $1 on eligible purchases at Kogan.com and 1 reward point per $1 on other eligible purchases.
  • Add up to 4 additional cardholders at $0 fee.
  • Uncapped rewards.

Cons

  • There is a 2% Balance Transfer fee.
  • There is a 3.4% foreign currency fee.
  • The ongoing cash advance rate is 21.74% p.a.

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
No

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good, Very Good, Excellent
Minimum Income
$35,000.00
Temporary Residents Accepted
No

Additional cardholders

Additional Cardholders
4
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$6,000.00
Maximum Credit Limit
N/A

Repayments

Interest Charged From
Purchase Date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2%

Balance transfers

Balance transfer offer

Balance Transfer Rate
0%
Balance Transfer Period
18 months
Balance Transfer Fee Percentage
2%

Balance transfer conditions

Balance Transfer From Personal Loan
Yes
Balance Transfer Limit Percentage
80%
Balance Transfer Revert Rate
21.74%

Rates, fees, charges

Cash advances

Cash Advance Rate
21.74% p.a.
Cash Advance Fee
$5.00
Cash Advance Fee Percentage
3.5%
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
9.99%
Purchase Rate Introductory Period
18 months
Purchase Rate Ongoing
20.99% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$0.00
Dishonour Fee
$15.00
Duplicate Statement Fee
N/A
Foreign Exchange Fee Percentage
3.4%
Late Payment Fee
$30.00

Rewards

Rewards program basics

Rewards Program
Kogan Rewards
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
12 months

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
1
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
1

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A

Our review

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Reviewed by Credit Card Compare Staff

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