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.
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.
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.
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.
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.
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10,000 points
10,000 points
1 point per dollar on Visa, uncapped
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.
Earn $400 Kogan.com Credit when you spend $3,000 on eligible purchases in 90 days from card approval.
Spend $10,000 (Visa)
Spend $10,000 (Visa)
Uncapped
Never
20.99% p.a. |
|
none |
|
0% p.a. for 12 months and then 21.74% p.a. |
|
yes |
|
21.74% p.a. |
|
55 |
$0.00 |
|
none |
|
none |
|
none |
|
$30.00 |
|
3.50%, min $5.00 |
|
3.40% |
|
$0.00 |
|
$7.00 |
|
$0.00 |
$30.00 |
|
2.0 |
|
4 |
|
none |
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.
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 reviewAvoid 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!!!!
Everything you need in this card, recommend to everyone who want to manage their money and get extra point to buy things.
Read full reviewEverything you need in this card, recommend to everyone who want to manage their money and get extra point to buy things.
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 reviewWhen 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.
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Platinum Edge Credit Card
23.99% p.a.
No current offer
$195 $0 in the first year
Membership Rewards
Qantas Ultimate Card
23.99% p.a.
No current offer
$450
Qantas Frequent Flyer
Explorer Credit Card
23.99% p.a.
No current offer
$395
Membership Rewards
Platinum Visa Credit Card
19.99% p.a.
No current offer
$299
Qantas Frequent Flyer
Velocity Platinum Card
23.99% p.a.
No current offer
$375
Velocity Frequent Flyer
Qantas Discovery Card
23.99% p.a.
No current offer
$0
Qantas Frequent Flyer
Qantas Ultimate Card
Qantas Frequent Flyer
$450
100,000
1.25 points up to 100,000 points/year, then
1 point uncapped
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250 $150 in the first year
70,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Qantas Premium Card
Qantas Frequent Flyer
$249
20,000
1 point uncapped
Rewards Signature Card
NAB Rewards
$295 $145 in the first year
160,000
1.25 points uncapped
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
120,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
Altitude Black
Altitude Rewards
$295 $150 in the first year
150,000
1.25 points uncapped
Low Rate Card
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
13.49% p.a.
$59 $0 in the first year
Premier Credit Card
0% p.a. for 6 months and then 22.24% p.a.
21.49% p.a.
$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year
Citi Rewards Program
Blue Visa Credit Card
0% p.a. for 9 months and then 21.74% p.a.
0% p.a. for 9 months then 20.74% p.a.
$60
Q Rewards
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 24 months and then 20.99% p.a.
20.74% p.a.
$149 $0 in the first year
Velocity Frequent Flyer
More Mastercard
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
19.99% p.a.
$100
Bankwest More Rewards
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Blue Visa Credit Card
0% p.a. for 9 months then 20.74% p.a.
0% p.a. for 9 months and then 21.74% p.a.
$60
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 24 months and then 20.99% p.a.
$149 $0 in the first year