Kogan Money Black Card
Our latest offer!
Earn $300 Kogan.com credit
When you spend $3,000 on eligible purchases in 90 days from approval†
0% p.a. on Balance Transfers for 6 Monthsx
No Balance Transfer Fee applies. Reverts to Cash Advance rate at the end of the Balance Transfer Termx.
$0 Annual fee!
Enjoy no annual fee on your Kogan Money Credit Cards account.
Spend at Kogan.com & elsewhere
Use your Kogan Money Credit Card for your everyday spend. Earn Rewards Points on all Eligible Transactions.#
Why choose the Kogan Money Credit Card?
$300 Kogan.com Credit
When you spend $3,000 on eligible purchases in 90 days from Card approval†
0% p.a. for 6 months on Balance Transfers
No Balance Transfer Fee applies. Reverts to Cash Advance rate at the end of the Balance Transfer Term.x
$0 annual fee
A no annual fee rewards credit card
Uncapped rewards
Earn 2 Rewards Points per dollar spent on your eligible purchases at Kogan.com and 1 Rewards Point on your eligible everyday purchases.#
Shop with Points
Redeem your Rewards Points for eligible purchases via your Kogan.com account using Shop with Points at checkout.~
Pay with Points
Complimentary 
Membership
Enjoy free shipping on 1000’s of products, express shipping upgrades, and exclusive specials at Kogan.com & Dick Smith‡
Plus, get $100 off your first Kogan Energy bill with your FIRST membership. Compare your bill today! T&Cs apply.⁑
Buy now, pay later at Kogan.com
Enjoy up to 24 months to pay off eligible Kogan.com purchases with a Kogan Money Credit Card.◇ An interest rate of 6.99% p.a. applies. Learn more.
Award winning no annual fee credit card
The Kogan Money Credit Card has been judged the best in its field by Finder.com.au, and is the 2025 & 2026 winner of Finder’s Best No Annual Fee Credit Card and Best No Annual Fee Rewards Credit Card for 2025 & 2026. Learn more from Finder.
Add up to 4 additional cardholders at no cost
All eligible spend by additional cardholders contributes to your rewards!#
Applying only takes minutes!
Mobile Wallets – Pay anywhere, anytime!
Mobile Wallets is the fast, simple and secure way to pay on sites, in apps and in stores using your Kogan Money Credit Card.^
Spend & earn with uncapped points potential.
What are my points worth?
1000 Points = $10 Kogan.com credit!~
Earn 1 Point
Per $1 of eligible spend on everyday purchases#
Earn 2 Points
Per $1 of eligible spend on Kogan.com#
Redeem your points for eligible purchases at Kogan.com using Shop with Points!~
Plus, save on your bills using Pay with Points option to pay for your Kogan Essential bills.§
Uncapped rewards points
Earn up to 2 rewards points per dollar.#
- 2 Rewards Points per $1 spent on eligible purchases made at Kogan.com.
- 1 Rewards Point per $1 spent on eligible purchases everywhere else.
You can redeem your points in one of two ways.
- Redeem your Rewards Points for eligible purchases at Kogan.com by linking your Kogan Money Credit Card for “Shop with Points” via your Kogan.com account.~
- Redeem your reward points to receive credits to your account for Kogan Essentials transactions (including Kogan Mobile, Kogan Internet, Kogan Energy, and more) on your Kogan Money Credit Card. Simply use “Pay with Points” by logging into your credit card account via the Kogan Money Credit Cards Mobile App and Online.§
For more information about Kogan Money Credit Card Rewards, visit koganmoney.com.au/rewards.
| Annual fee | $0 |
|---|---|
| Retail purchase rate | 21.99% p.a. |
| Cash advance rate | 22.74% p.a. |
| Minimum credit limit | $6,000 |
| Maximum credit limit | $30,000 |
| Additional cardholder annual fee | $0 |
| Interest free days on Retail Purchases | Up to 44 daysΔ |
| Balance transfer rate at end of offer period | Reverts to cash advance rate |
| Minimum income required | $35,000 |
| Domestic Cash Advance Fee | $5 per transaction amount or 3.5% of the transaction amount, whichever is higher, for a Cash Advance inside Australia, debited to your Account on the date the Cash Advance takes place. | International Cash Advance Fee | $5 per transaction amount for a Cash Advance outside of Australia, debited to your Account on the date the Cash Advance takes place. |
|---|---|
| International Transaction Fee | We charge you an International Transaction Fee of 3.4% of the transaction amount, debited to your Account on
the date the relevant Retail Purchase or Cash Advance takes place, of which a service and assessment fee of
1% is payable by us to Visa, for any Retail Purchase or Cash Advance transaction in:
|
| Late Payment Fee | $30 debited to your Account after the Payment Due Date if at the time the fee is debited, your Account has an Overdue Amount and the balance of your Account is $50 or more. |
Eligibility criteria
- Be 18 years or older and a permanent Australian resident
- Have an Australian mobile number and a valid email address
- Minimum income of $35,000
- Minimum credit limit of $6,000
- Have a good credit rating
To obtain a copy of the Target Market Determination (TMD) related to this product click here.
View all important information
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 April 2026. We reserve the right to withdraw or change the offer at any time without notice. This information is correct at 1 April 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 $300 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 April 2026. We reserve the right to withdraw or change the offer at any time without notice, at our discretion; is non-transferrable; can’t be used in conjunction with any other promotions or offers.
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 April 2026. This offer commenced 1 April 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.
#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 April 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 April 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.
†To be eligible to receive the $300 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 April 2026. We reserve the right to withdraw or change the offer at any time without notice, at our discretion; is non-transferrable; can’t be used in conjunction with any other promotions or offers.
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 April 2026. This offer commenced 1 April 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.
#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 April 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 April 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.