Kogan Money credit cards

1.4
Based on 5 Kogan Money credit card product reviews.
Fact Checked
Last updated

About Kogan Money credit cards

Kogan originally started out as an online tech retailer, but its portfolio has grown significantly to include insurance, internet, mobile plans and financial products. The Kogan Money credit card is issued by NAB and gives you the opportunity to earn Kogan Rewards Points to redeem on Kogan’s online store.

Mozo may receive payment if you click products on our site. We don’t compare the entire market.

Mozo review: Kogan Money Black Card

Black Card

  • Introductory Rate Offer
Purchase rate
0.00 % p.a.
For 9 months and then 21.99%
Balance transfer rate
0.00 % p.a.
For 9 months and then 22.74% p.a. 1.00% balance transfer fee)
Annual fee
$0
Rewards program
Kogan Rewards Points
Go to site
  • No annual fee

  • Up to 44 interest free days on purchases

  • Complimentary Kogan First membership

  • Rewards points only redeemable on Kogan

  • Interest rate is higher than average

Our verdict

If you frequently shop online on Kogan, the Kogan Money Black Card could be a good fit for you. There’s no annual fee, plus you can benefit from a complimentary Kogan First membership which gives you free shipping on eligible products, access to member-only discounts and other perks.

You’ll also earn two rewards points for every dollar spent on eligible purchases on Kogan, and one point per dollar spent on eligible everyday purchases.

However, a disadvantage of Kogan’s rewards program is that points can only be redeemed on Kogan’s website. This is quite limiting when you consider that other providers allow you to convert points to other rewards programs that are arguably more valuable, such as Flybuys, Qantas Frequent Flyer or Velocity Frequent Flyer.

We like that Kogan Money offers up to 44 interest free days on new purchases, and Mozo readers are eligible to receive 0% p.a. interest for nine months.

Once you’re past this period, however, the purchase rate jumps up to 21.99% p.a., which puts it into the higher end of the credit card market.

Where do I get it? Learn more about Kogan Money’s Black Card.
Mozo may receive payment if you click products on our site. We don’t compare the entire market, but you can compare more credit cards here.
Last updated 10 December 2024 Important disclosures

Kogan Money credit cards

  • Black Card

    Purchase rate
    21.99 % p.a.
    Balance transfer rate
    0.00 % p.a.
    For 6 months and then 22.74% p.a.
    Annual fee
    $0
    Rewards program
    Kogan Rewards Points
    Link not supplied

  • Black Card

    • Introductory Rate Offer
    Purchase rate
    0.00 % p.a.
    For 9 months and then 21.99%
    Balance transfer rate
    0.00 % p.a.
    For 9 months and then 22.74% p.a. 1.00% balance transfer fee)
    Annual fee
    $0
    Rewards program
    Kogan Rewards Points
    Go to site

    Get 0% p.a. on purchases and balance transfers for 9 months with a 1% balance transfer fee. Reverts to cash advance rate. $0 annual fee to pay. Earn 2 rewards points per dollar on your eligible purchases at Kogan.com & 1 rewards point per dollar on your everyday purchases, almost anywhere (T&Cs apply). FREE Kogan First membership valued at $129/year. Add up to 4 additional cardholders at no cost.

Get the latest news and product updates.

Kogan Money credit card ratings

Overall customer rating for Kogan Money credit cards

1.4
Based on 5 product reviews.

Customer reviews

Important disclosures

Kogan Money credit cards: FAQs

Which bank issues Kogan Money credit cards?

Kogan Money credit cards are issued by NAB.

How do I pay a Kogan Money credit card?

There are two ways to pay your Kogan Money credit card:

  • Direct debit
  • BPAY
What is the minimum limit on a Kogan Money credit card?

Kogan Money credit cards come with a minimum limit of $6,000.

What is Kogan First?

Kogan First is a membership that gives you free shipping on eligible products and access to member-only discounts. Other perks of Kogan First include:

  • Automatically in the draw to win Kogan First member giveaways
  • Earn 1-2% Kogan Rewards credit back when you make eligible purchases
  • Earn one Qantas Point for every dollar spent on eligible products on Kogan
  • Receive a 5% discount on eligible pantry and beverage products on Kogan
  • Receive priority customer service
How much are Kogan Rewards Points worth?

Each Kogan Rewards Point is equal to $0.01, therefore 1,000 points are equal to a $10 credit to spend on Kogan.

How do I close a Kogan Money credit card?

There are a few ways to close a Kogan Money credit card, including:

  • Logging into Kogan Money internet banking
  • Using the Kogan Money app
  • Calling 1300 415 445

When logging into internet banking:

Select ‘Kogan Money Black Card’ > ‘Manage cards’ > ‘Account closure request’ and follow the instructions.

When using the app:

Select ‘Help’ > ‘Chat with us’

Before closing a Kogan Money credit card, check your Kogan Rewards Points balance and consider if you want to use them. Once the credit card is closed, your rewards points will be forfeited.

Credit card quick links


^See information about the Mozo Experts Choice Credit Card Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.