2.8/10

Based on 5 Kogan Money product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.

Kogan Money credit cards

What credit cards do Kogan Money offer?

Rates and fees verified as correct at 15 October 2024. Other information correct at the time of writing. Advertiser disclosure.

Low fee credit cards

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

21.99% p.a.

0% p.a. for 6 months and then 22.74% p.a.

$0

55

Rewards credit cards

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Visa, uncapped

21.99% p.a.

0% p.a. for 6 months and then 22.74% p.a.

$0

How are Kogan Money credit cards rated?

Mozo users have rated Kogan Money credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of credit-cards
Kogan Money credit cards customer reviews
Overall
2.8/10
Price
4.8/10
Features
5.0/10
Customer service
3.2/10
Convenience
4.0/10
Trust
2.8/10
Based on 5 Kogan Money product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Recent Kogan Money credit card reviews

Kogan Money Black Card
Overall 1/10
Kogans one of the worst banking institutions ever

The way they operate is not good. You don't get up-to-date balance enquiries. I will be looking to close my account with them soon. And their rates are too high

Read full review

The way they operate is not good. You don't get up-to-date balance enquiries. I will be looking to close my account with them soon. And their rates are too high

Price
1/10
Features
1/10
Customer service
3/10
Convenience
4/10
Trust
1/10
Less
Wassim, Victoria, reviewed about 2 months ago
Kogan Money Black Card
Overall 1/10
TLDR: Avoid Kogan , they leak your identity

Avoid Kogan Money! They leaked my personal data and made 2 unauthorised transactions under this card, valued at 500 USD!!!! The client services representative that I first contacted didn't even lodge a dispute on my behalf and nothing was actioned until I called a week later for a follow-up, before they lodged a dispute on the transactions. Weeks later I called and they said 6 to 8 weeks, then said 6 to 8 weeks again when I called weeks later. It's ridiculous that it takes them forever all the while I was unable to log onto my account. This should be reported to the consumer authority!!!!

Read full review

Avoid Kogan Money! They leaked my personal data and made 2 unauthorised transactions under this card, valued at 500 USD!!!! The client services representative that I first contacted didn't even lodge a dispute on my behalf and nothing was actioned until I called a week later for a follow-up, before they lodged a dispute on the transactions. Weeks later I called and they said 6 to 8 weeks, then said 6 to 8 weeks again when I called weeks later. It's ridiculous that it takes them forever all the while I was unable to log onto my account. This should be reported to the consumer authority!!!!

Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Anon, New South Wales, reviewed about 1 year ago
Kogan Money Black Card
Overall 10/10
Excellent

Everything you need in this card, recommend to everyone who want to manage their money and get extra point to buy things.

Read full review

Everything you need in this card, recommend to everyone who want to manage their money and get extra point to buy things.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Kas, Australian Capital Territory, reviewed almost 3 years ago
Kogan Money Black Card
Overall 1/10
Avoid these cowboys like the plague

When I received my April statement I noticed a foreign transaction for $662.81 with a fee of $22.53. Since I had not made any foreign transactions I thought this was a fraud and informed Kogan Money at once by phone. The person said they would need to replace my credit card and also they would dispute the transaction. On further investigation I found that the transaction was legit, for a car hire in Broome I arranged through Booking.com . So I phoned Kogan again and spoke to the same person letting him know this and questioning why an Australian transaction had incurred a $22.53 fee. On April 22 I received an email from Booking.com saying my car hire had been cancelled. When I received my May statement I was surprised to see that although $662.81 and $22.53 fee were credited back to my account in early April, on April 25 the $662.81 was again debited from my account. So I am now $662.81 out of pocket with no car booking. After two lengthy phone calls to Kogan Money I was asked to contact their "chargeback" group about this. It turns out that Kogan Money is part of Citibank, and the chargeback group is actually for the Coles credit card, which Citibank also manage. Firstly I was fobbed off by the person, but asked to speak to the manager. He said he would try and get the money refunded. Four months later after many calls and emails asking what is going on, I received an email from Kogan Money saying they were unable to get my refund, and I should contact the merchant myself. This is the worst service I've ever experienced from an Australian bank. They try to pass the buck to somebody else, and then blame me for disputing the transaction in the first place. I'm now referring this matter to the Australian Financial Complaints Authority (AFCA) - which of course will take ages to resolve. Take my advice... don't get involved with this incompetent and barely literate operation.

Read full review

When I received my April statement I noticed a foreign transaction for $662.81 with a fee of $22.53. Since I had not made any foreign transactions I thought this was a fraud and informed Kogan Money at once by phone. The person said they would need to replace my credit card and also they would dispute the transaction. On further investigation I found that the transaction was legit, for a car hire in Broome I arranged through Booking.com . So I phoned Kogan again and spoke to the same person letting him know this and questioning why an Australian transaction had incurred a $22.53 fee. On April 22 I received an email from Booking.com saying my car hire had been cancelled. When I received my May statement I was surprised to see that although $662.81 and $22.53 fee were credited back to my account in early April, on April 25 the $662.81 was again debited from my account. So I am now $662.81 out of pocket with no car booking. After two lengthy phone calls to Kogan Money I was asked to contact their "chargeback" group about this. It turns out that Kogan Money is part of Citibank, and the chargeback group is actually for the Coles credit card, which Citibank also manage. Firstly I was fobbed off by the person, but asked to speak to the manager. He said he would try and get the money refunded. Four months later after many calls and emails asking what is going on, I received an email from Kogan Money saying they were unable to get my refund, and I should contact the merchant myself. This is the worst service I've ever experienced from an Australian bank. They try to pass the buck to somebody else, and then blame me for disputing the transaction in the first place. I'm now referring this matter to the Australian Financial Complaints Authority (AFCA) - which of course will take ages to resolve. Take my advice... don't get involved with this incompetent and barely literate operation.

Price
5/10
Features
5/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Keith, Victoria, reviewed about 3 years ago
Kogan Money Credit Card
Overall 1/10
Waste of time - Avoid!

Very poor customer service and complaint resolution process for applying customers, have no transparency and very shady practices that I would avoid. Not worth the hassle.

Read full review

Very poor customer service and complaint resolution process for applying customers, have no transparency and very shady practices that I would avoid. Not worth the hassle.

Price
3/10
Features
4/10
Customer service
1/10
Trust
1/10
Less
Jamie, Victoria, reviewed over 3 years ago

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