Black Card card image

Kogan Money Black Card

Advertiser disclosure
Purchase rate
20.99% p.a.
Balance transfer rate
0% p.a. for 12 months and then 21.74% p.a.
Annual fees
$0
Interest free days on purchases
55

Mozo editorial review Kogan Money Black Card - last updated: 2 February 2024

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What's hot
  • $0 annual fee
  • 0% balance transfer and purchase rate for 6 months (no BT fee)
  • No cap on rewards points
  • 2023 Mozo Experts Choice Award winner
What's not
  • 21.74% p.a. cash advance rate
  • 3.40% foreign exchange margin
Mozo snapshot

If you love being rewarded for shopping up a storm and want to dodge fees, then the Kogan Money Black Card is a worthy contender. This rewards credit card has no annual fee and no cap or expiry date on points - so it’s great for points hoarders waiting for the right moment to cash in their chips!

And if you’re trying to escape high interest while paying off credit card debt, you’ll be pleased to know that the Kogan Money Black Card also comes with a 0% balance transfer rate and purchase rate for the first 6 months. 

You can also earn $300 Kogan.com credit when you spend $3,000 on eligible purchases in the first 90 days from card approval. 

This card also won two 2023 Mozo Experts Choice Award for best Rewards Credit Card and best Cashback Credit Card. 
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Key features

Looking at credit card basics, the Kogan Money Black Card has a 20.99% purchase rate, 55 interest free days on purchases, and a 0% balance transfer rate for the first 6 months, although bear in mind this reverts to a high 21.74% cash advance rate after the balance transfer period.

With the Kogan Money Black Card, you can earn 1 rewards point per dollar spent on eligible purchases, and up to 2 points for every dollar spent on Kogan.com, as long as you’re buying Kogan Exclusive Brands.

What’s more, these rewards points are uncapped and never expire, so you can save up your points and redeem them any time for eligible purchases made on Kogan.com or for Kogan Money credit card payments.

The Kogan Money Black Card also comes with a complimentary Kogan First Membership (valued at $99 p.a.), which gives customers free shipping without a minimum purchase amount, or a free upgrade to express shipping for products that already have free shipping.

Plus, you could catch its special offer - $300 in Kogan.com Credit when you spend $3,000 on eligible purchases in 90 days from card approval.

As for those looking to share their card with family, you’ll be happy to hear that the Kogan Money Black Card lets you have four additional cardholders, free of charge.


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Who is it good for

The Kogan Money Black Card is a good choice for rewards lovers who want the perks of a rewards card without having to worry about any annual fees. With a generous balance transfer introductory offer, it also suits those looking to rid themselves of credit card debt.


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Any catches

If you’re looking to take advantage of the card’s initial 0% balance transfer rate to pay down your credit card balance, be sure to do so within 6 months, as after that, it jumps to a high 21.74% p.a..

And if you’re using the card to shop overseas, there is a 3.40% foreign exchange margin on all international purchases.


Rewards program details

Rates and fees information correct as at 19 March 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.

What your points get you
Fly Sydney to London return

-

Fly Sydney to Melbourne one-way

-

$100 Giftcard

10,000 points

$100 Cash

10,000 points

Points earning

1 point per dollar on Visa, uncapped

Rewards scheme

Points can be redeemed for eligible purchases made on Kogan.com or for Kogan Money credit card payments.

Earn up to 2 points per $1 of eligible spend on Kogan exclusive brand purchases.

Special offers

Earn $400 Kogan.com Credit when you spend $3,000 on eligible purchases in 90 days from card approval.

Value of rewards points

Spend $10,000 (Visa)

Spend $10,000 (Visa)

Uncapped

Never

How do we calculate these points?

Rate and fee details

Rates

20.99% p.a.

none

0% p.a. for 12 months and then 21.74% p.a.

yes

21.74% p.a.

55

Fees

$0.00

none

none

none

$30.00

3.50%, min $5.00

3.40%

$0.00

$7.00

$0.00

Features

$30.00

2.0

4

none

Other benefits

Complimentary Kogan First Membership currently valued at $99 per year. Get 0% p.a. for up to 24 months when you pay with instalments at Kogan.com, eligible Kogan.com purchases only, one-off fee of up to 4.5% applies for instalments.

Customer Reviews

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Overall
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