Fees, charges and earn rates (if applicable) are subject to change from 1 October 2026. If we make changes, these will be communicated in accordance with our terms & conditions.

All applications are subject to credit criteria. Fees, charges and Terms and Conditions apply. See the full Terms and Conditions related to this product at koganmoney.com.au/credit-cards/important-information. This offer is for new Kogan Money Credit Card customers only and cannot be used in conjunction with any other promotions or offers. This offer commenced 1 June 2026 and ends 21 July 2026. We reserve the right to withdraw or change the offer at any time without notice. This information is correct at 1 June 2026. Any interest rates shown are variable. Kogan Money Credit Cards are issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). Our/us/we/Kogan Money Credit Cards Team means NAB unless the context otherwise requires it.

^†To be eligible to receive the $400 Kogan.com Credit, you must apply for a new Kogan Money Credit Card, then spend $3,000 or more on eligible purchases using your new Card within 90 days from approval (spend period). Please note, purchases must be processed and charged to your Account within the spend period. Eligible purchases exclude Cash Advances, Balance Transfers, Special Promotions, refunds and Chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other credit card and other types of accounts, fees and charges such as interest and ATM charges, and transactions made using Rewards Points. The Kogan.com Credit will be credited to your Kogan.com account up to 10 weeks after the end of the spend period and will expire 12 months from the date it is applied. Your Kogan.com account will be set up upon approval of your application (if you don’t already have one). You will receive an email requesting that you activate your Kogan.com account and agree to the Kogan.com Terms and Conditions and Privacy Policy. Your Kogan Money Credit Card must remain open and in good standing (for example your Account is not in default, suspended, or closed), and your Kogan.com account must remain open for the Kogan.com Credit to be credited. If you have previously received a Kogan.com Credit from a Kogan Money Credit Card offer in the last 12 months, you will not be eligible for this offer. This offer commenced 1 June 2026 and ends 21 July 2026.

^xYour total Balance Transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer for a period of 6 months. The 6 months Balance Transfer Term commences when the Balance Transfer is processed. At the end of the Balance Transfer Term, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 22.74% p.a. on the Kogan Money Credit Card. Interest rates are variable and subject to change. The interest rates are current as at 1 June 2026. This offer commenced 1 June 2026 and ends 21 July 2026. Rewards Points are not issued on Balance Transfers. This offer is for new Kogan Money Credit Cards Cardholders only and: we may withdraw or change the offer at any time without prior notice, at our discretion; is non-transferrable; can’t be used in conjunction with any other promotions or offers. For important information to consider before taking up a Balance Transfer, please refer to our Balance Transfer FAQs at koganmoney.com.au/credit-cards/FAQs. We can’t process balance transfers from certain issuers – see our indicative list.

^#You can earn 2 Rewards Points per whole Australian dollar spent on eligible purchases at Kogan.com. Only purchases made at Kogan.com will be eligible to earn 2 Rewards Points for each Australian Dollar spent. This does not include purchases for Kogan Essentials products and services (e.g. Kogan Mobile, Kogan Internet or Kogan Energy) or purchases made at other Kogan owned websites such as Matt Blatt or Dick Smith. All other eligible purchases earn 1 Rewards Point per whole Australian dollar. Rewards Points are earned for eligible purchases (“Eligible Transactions”) only. Earn rates are subject to change. See Kogan Money Credit Cards Rewards Terms and Conditions, available at www.koganmoney.com.au/credit-cards/important-information for full details and definitions.

^‡Your complimentary FIRST membership is linked to the Primary Cardholder’s Kogan.com account. As the Primary Cardholder, your Kogan.com account will be set up upon approval of your application (if you don’t already have one). You will receive an email requesting that you activate your Kogan.com account and agree to the Kogan.com Terms and Conditions and Privacy Policy. You can then register for Card Rewards (which will allow you to access your FIRST membership benefits, use your Card Rewards Points towards eligible purchases at Kogan.com). To register for Card Rewards, you will need to agree to the Shop with Card Reward Points terms and conditions. You may only enrol one credit card at any time with Shop with Points. To then register for FIRST Membership, you will need to agree to the Kogan First Terms and Conditions. You will need to register for FIRST Membership within 40 days after your Kogan Money Credit Card is approved. Additional Cardholders are not eligible for complimentary FIRST Membership. FIRST Membership is administered by Kogan Australia Pty Ltd, and the complimentary FIRST membership benefit may be withdrawn or changed at any time. Note that free shipping, express shipping upgrades and exclusive specials are not available on all products on Kogan.com or Dick Smith. For further information on FIRST membership click here.

^{^}Apple Pay is a trademark of Apple Inc., registered in U.S. and other countries. Google, Android, Google Pay, Google Play and Google Wallet are trademarks of Google LLC.

^~You are required to be a Kogan.com Account Holder and register your Card for “Shop with Points” with your Kogan.com account to be eligible to redeem using Shop with Points at Kogan.com. Once you have registered your Card, Shop with Points will appear as a payment option for selected products at Kogan.com. If you make a partial Rewards Points redemption, the remaining balance will be charged to your chosen payment option by Kogan.com. You do not earn Rewards Points on the portion of your redemptions made with your Rewards Points at Kogan.com. You may only enrol one credit card at any time with Shop with Points. Additional Cardholders are not eligible to redeem Rewards Points for Shop with Points. 1 Rewards Point equates to $0.01 for Shop with Points. Rewards Point value is accurate as of 1 June 2026 but is subject to change. Kogan.com accounts and items purchased using Shop with Points are subject to the Kogan.com Terms and Conditions and Returns Policy. Shop with Points is subject to the Terms and Conditions for Shop with Points at Kogan.com and the Kogan Money Credit Card Rewards Terms and Conditions.

^§You may use your Rewards Points to pay for certain selected transactions that we present to you via Online Servicing, or any other method we make available to you. Only selected transactions that you have made, and that we present to you, can be redeemed using Pay with Points. You must follow the instructions where you are provided with the option to pay for a selected transaction with your Rewards Points. We will process that credit to your Account within 5 Business Days. Additional Cardholders are not eligible to redeem Rewards Points for Pay with Points. 1 Reward Point equates to $0.01 for Pay with Points. Rewards Point value is accurate as of 1 June 2026 but is subject to change. Please refer to the Kogan Money Credit Cards Rewards Terms and Conditions for more information.

^◇Instalment Plan offers are subject to eligibility criteria and only available when your Account is and remains in good standing (for example your Account is not in default, suspended, or closed). The general terms for Instalment Plans are included in your Kogan Money Credit Cards Terms and Conditions and Other Important Information under the heading “Instalment Plans, Balance Transfers and Special Promotions”. You are required to be a Kogan.com Account Holder, be the primary cardholder of a Kogan Money Credit Card (‘eligible card’), link your eligible card with Kogan.com and agree to the monthly instalment, Instalment Plan term, interest rate and any applicable Instalment Fee, before you are able to pay for eligible purchases using an Instalment Plan at Kogan.com. Minimum spend of $50 applies. Instalment Plan offers are not available on purchases of Kogan.com eGift cards or in conjunction with any other promotional Retail Purchase Annual Percentage Rate offer on an eligible card. Instalment Plan offers will display for eligible purchases at the Kogan.com checkout. Eligible purchases that are also an “Eligible Transaction” as defined in the Kogan Money Credit Cards Rewards Terms and Conditions will earn Rewards Points. You may only link one credit card to your Kogan.com account at any time. By linking your eligible card at Kogan.com, you also agree to the Terms and Conditions for Shop with Points at Kogan.com and to save your card details to your Kogan.com account. Any information submitted via Kogan.com is held in accordance with the Kogan Australia Pty Ltd (Kogan) privacy policy. You may unlink your card at anytime. Your Instalment Plan uses part of your existing Credit Limit on your eligible card. Your Instalment Plan will be shown on your monthly credit card statement in the ‘Instalment Plan Summary’ section in the ‘Your Balance and Interest Breakdown’ section of the statement. The Initial Interest Charge or Instalment Fee (whichever is applicable) will be charged on the first statement after the Instalment Plan is set up and will be included in the Minimum Payment Due. Your monthly instalment will be included in the Minimum Payment Due on each subsequent statement until your Instalment Plan is repaid. As you pay off your Instalment Plan, the amount you pay off will become available for you to use again as part of your Credit Limit and will incur interest at the standard Annual Percentage Rates applicable to your Account. If you don’t pay an instalment amount by the due date, you’ll be charged interest on the Overdue Instalment Amount at the Retail Purchase Annual Percentage Rate. The interest charged will be added to the Minimum Payment Due on your next statement. The Kogan Money Credit Cards Terms and Conditions explain the meaning of Overdue Instalment Amount and how interest is calculated and charged on this amount. We may also cancel the Instalment Plan if you are overdue, in which case, any outstanding balance of the plan will revert to the Retail Purchase Annual Percentage Rate. We will tell you if an Instalment Plan amount is overdue before we cancel the Instalment Plan.

^ΔThe Interest Free Period applies to Retail Purchases when you pay the Interest Free Days Payment in full by the Payment Due Date.

^⁑Terms and conditions apply. Powershop Australia Pty Ltd (“Kogan Energy”) is the retailer providing energy under the name Kogan Energy. Kogan Energy is only available to residential electricity customers in South East Queensland and South Australia and to residential electricity and gas customers in New South Wales and Victoria.