Frequently Asked Questions
Applying for a Kogan Money Credit Card
To be eligible to apply for a Kogan Money Credit Card, you must:
-
be at least 18 years old
- be in permanent full time or part time employment, or be self employed
- you receive a regular income
- be an Australian permanent resident
- have an Australian residential address and mobile phone number
- have a valid email address
- have a good credit rating
You’ll need to have the following handy:
- Driver Licence or passport
- Employment and income details
- Household expenses, such as rent and other living expenses
- Financial commitments such as home loan and credit card repayments
We’ll let you know if we need you to upload additional documents, such as pay slips and bank statements, to support your application.
It should take around 10 minutes to apply if you have all your personal information handy. If you need to, you can save your partially completed application form, and continue right where you left off at any time within 21 days.
Once you have submitted your application, you will receive a confirmation email to your primary email address that you registered, containing your application number and a link which you can use to check the status of your application online. If your application needs further assessment, we’ll also advise you when you can expect to hear from us.
To retrieve your saved application, click the link provided in the email you received when you saved your application. You will need to complete a verification step so we can ensure it’s the correct application.
We need to verify your identity and income to process your application.
In the application form, after you have entered your contact and personal details and submitted your application, you will be provided with the option to upload documents. We recommend that you provide your documents at this point, as it will help us assess your application faster.
You can also upload your documents after you have submitted your application by clicking the link in the confirmation email you received.
We’ll let you know if we need you to upload additional documents, such as pay slips and bank statements, to support your application. Applicants may need to supply ONE document from each of the address and residency categories.
Address Category
- Current Driver’s licence (copy of front and back)
- A utility bill in your name, with your current address (under 90 days old)
- A current year council rate notice in your name, with your current address
- A bank statement with your current address (under 30 days old)
- A Tenancy Agreement, under 3 months old (prepared by a real estate agent, and not handwritten)
- A Welcome letter from an Energy or Water Company (under 90 days old, confirming your name, address and account number)
- A Proof of Age card (NSW, SA, NT and TAS only)
Residency Category
- Medicare card (Interim or Reciprocal Health Care Agreement Medicare Cards aren’t accepted)
- Australian Passport
- Australian Permanent Residency
- Current Australian Defence Force photo ID
Applicants may also need to supply ONE document from the relevant income/employment category below based on employment status.
Permanent
- Most recent computerised pay slip, no more than 45 days old
- Bank statement (in your name) from the last 3 months showing your regular income
- Employment contract, signed by your employer (no more than 60 days old)
- A letter from your employer confirming your current employment, length of employment and gross income details (should be signed by your employer and be less than 30 days old)
- Your most recent Individual Tax Return (less than 15 months old)
- Your most recent PAYE Payment Summary (less than 15 months old)
Casual
- All pay slips from the last 2 months
- Employment contract, signed by your employer (no more than 60 days old)
- A letter from your employer confirming your current employment, length of employment and income details (should be signed by your employer and be less than 30 days old)
- Your most recent Individual Tax Return (less than 15 months old)
- Your most recent PAYE Payment Summary (less than 15 months old)
Contractor
- All pay slips in the last 2 months
- Your most recent Individual Tax Return (less than 15 months old)
- Your most recent PAYE Payment Summary (less than 15 months old)
Self Employed
- Two most recent years Individual or Company Tax Returns
- Two years Business/Company Profit & Loss Statements
Retiree
- A bank statement from the last 3 months showing regular Centrelink payments
- An annual superannuation statement showing your pension amount
- A letter from your superannuation fund/s confirming the amount you have invested and your likely pension amount
- A letter from Centrelink showing your Permanent Government Pension amount
If you have documents showing other income this could also support your application. For example:
- Investment income
- Trust income
- Dividend income
- Rental property income
- Centrelink Allowance/Benefits
We will let you know during the application process what documents you need to upload depending on the selections you have made. Please note that we may need to contact your employer and/or your accountant to confirm your income and employment details. Please let them know in advance so that we can finalise your application.
If you don’t hold standard forms of identification such as a driver’s licence, Australian passport or Medicare card, please call us on 1300 415 445, or +612 8288 2061 if you’re calling from outside of Australia, to discuss your application with us.
If you are using a Mac:
- Open the image in ‘Preview’
- Click on ‘Tools’ > ‘Adjust Size’
- Ensure ‘Scale proportionally’ is checked and then either select a smaller size from the ‘Fit into dropdown’ or enter a smaller Width or Height
- Check the ‘Resulting size’ area to see if the image is now below 2.5MB
- Click ‘OK’
If you are using Windows:
- Open the image in Microsoft Paint
- Select ‘Home’ > ‘Resize’
- Ensure ‘Maintain aspect ratio’ is checked and then enter a smaller horizontal % and click ‘OK’
- To save the new image, click ‘File’ > ‘Save’
- Go to Windows Explorer and check if the image is now below 2.5MB
When you submit your application, we will tell you within 60 seconds whether you are approved, conditionally approved or your application needs further review.
You can help us confirm the outcome of your application faster by uploading the requested verification documents as part of your application form, or sending them to us shortly afterwards.
Once we have all your documents, we will respond to you within 2 business days.
Your Application Reference number will display after you save or submit an application and will also be emailed to you if you do not complete your application.
Once you’ve submitted your online application, you’ll receive a confirmation email containing your Application Reference Number, and a link which you can use to check the status of your application online.
The Kogan Money Credit Cards Terms and Conditions can be found here.
Balance Transfer and Instalment Plans
A Fixed Payment Option allows you to make your repayments in monthly instalments at a fixed rate over a set term.
You can use a Fixed Payment Option in two ways:
- Receive cash from $500 up to your available credit limit. Repay in Monthly Instalments at fixed rate over a set term.
- Convert your eligible purchases at Kogan.com into monthly instalments which you can repay over a fixed term.
Click here to learn more about our Instalment Plans.
This depends on the type of Instalment Plan you are interested in:
- For Cash Instalment Plans the minimum is $500 and the maximum amount is up to 90% of your available credit limit.
- For Transaction Instalment Plans, the minimum is $50.
Yes. You can have more than one Fixed Payment Option as long as the combined total is within your available credit limit.
The Fixed Payment Option uses part of your existing credit limit. As you pay off your Fixed Payment Option amount, the amount(s) you pay off will become available for you to use again as part of your credit limit.
Yes, you may still be eligible if you pay the closing balance on your statement by the Payment Due Date each month (excluding any Instalment Plan balance which isn’t due for payment by that Payment Due Date).
During the cycle in which the Fixed Payment Option is set up, you will be charged an initial interest charge on the main Fixed Payment Option balance. Subsequent cycles will have an instalment for each month of the term. Interest will be charged on Fixed Payment Option from when the Fixed Payment Option is created until it is cancelled or repaid in full.
Your Instalment Plan repayment appears on your monthly statement and is included in your Minimum Payment Due. You pay it in the same way you make a regular payment, with the ways you can do this shown on your monthly statement.
Yes. If you’d like to make an additional repayment on your Instalment Plan, simply chat with us now by logging into the Kogan Money Credit Cards Mobile App and clicking ‘Chat with us’ located under the ‘Help’ tab and allow up to two working days for us to process your request. Once you receive a confirmation from us, you can make an additional repayment to your Kogan Money Instalment Plan.
Yes, you may be able to change it to a shorter or longer term. To enquire about a change, simply chat with us now by logging into the Kogan Money Credit Cards Mobile App and clicking ‘Chat with us’ located under the ‘Help’ tab.
Yes, you can pay off your Kogan Money Instalment Plan any time, without early repayment fees. Simply chat with us now by logging into the Kogan Money Credit Cards Mobile App and clicking ‘Chat with us’ located under the ‘Help’ tab.
Balance transfers can help you save on interest charges, by letting you move the balance(s) on your other credit cards or loans to your Kogan Money Credit Card at a promotional interest rate for a set period.
While you have a balance transfer you will not be eligible for any interest-free days, and at the end of that period, the interest rate on any outstanding transferred balance (and any related fees) will revert to the applicable Annual Percentage Rate for Cash Advances.
If you are an existing customer and are eligible for a balance transfer offer, you can chat with us now by logging into the Kogan Money Credit Cards Mobile App and clicking ‘Chat with us’ located under the ‘Help’ tab.
If you are a new customer, you can apply for a balance transfer when you complete your application
You can request a transfer for amounts between $500 and 80% of the available Credit Limit on your Kogan Money Credit Card.
Some balance transfer offers include a balance transfer fee. This fee is calculated as a percentage of the total amount being transferred and is added to the balance transfer amount.
For example, a balance transfer amount of $10,000 with a 2% balance transfer fee will be charged a balance transfer fee of $200 and results in the outstanding balance of your Kogan Money Credit Card to increase by $10,200.
Balance transfers can take up to 10 business days to process and you should allow additional time for any cheques to be received at the other financial institution.
Balance transfers will only be processed once you have received and activated your credit card.
Yes, while the transferred balance will be charged a promotional interest rate, you should also be aware that while you have a balance transfer there will be no interest-free days on your account.
When your balance transfer period ends, any remaining balance will be charged interest at the applicable Annual Purchase Rate for Cash Advances.
The payments you make on your credit card will be applied firstly to any Monthly Instalment(s) due for an Instalment Plan; and then to the portion of your balance that attracts the highest interest rate; and then to the portion of your balance attracting the next-highest interest rate and so on.
As the promotional interest rate offered for balance transfers is generally low, and often 0%, you should assume that any payments will be applied to your other balances before they begin to reduce your transferred balance.
Complaints
Please tell us about your concern so that we can assist you in resolving any concerns you may have. Ensure you provide us with as much detail as you can, including dates, times, and key events.
Phone: 1300 350 525 or +612 8288 2062 if outside Australia
Online: Log in and chat with us about your problem or make an online complaint here.
Where possible we will try to resolve your complaint on the spot, however, depending on the nature of your complaint we may need more time to work through it with you.
- If your complaint is not resolved within 21 days, we will write to you to provide you with an update and an explanation for the delay.
- Under exceptional circumstances it may take up to or more than 30 days to resolve your complaint. If this happens, we will write to you to provide a further update.
- We take into consideration any timeframes for responding to complaints or disputes as set out in relevant legislation, regulatory guidelines, or industry code of conduct.
The first thing to do is talk to one of our consultants about your concerns. Our consultant will try to resolve your complaint to your satisfaction and if not, escalate it to a case manager within our Customer Relations Unit. Our Customer Relations Unit is contactable by:
Email: customerrelations@cards.koganmoney.com.au
Phone: 1300 350 525 or +612 8288 2062 if outside Australia
Mail: Customer Relations Unit, GPO Box 204, Sydney, NSW 2001
If you feel the dispute resolution process was not fair, you remain unhappy with the outcome, or your complaint is not resolved within the appropriate timeframes you can contact the Australian Financial Complaints Authority (AFCA).
AFCA offers an independent dispute resolution process to individual customers who have been through our internal complaints process.
Online: www.afca.org.au
Phone: 1800 931 678 (free call) or Fax: 03 9613 6399
Mail: Australian Financial Complaints Authority (AFCA), GPO Box 3, Melbourne VIC 3001
Deceased Estates
When you send the documents needed to finalise the Estate, please include a cover letter with the account number and name of the deceased. There is no specific form that needs to be sent with these documents.
The Estate is responsible for the debts of the deceased customer.
Once we have received documentation to officially notify us of the death, we will reverse any interest and fees charged from the date of death.
If a balance is owed, we will send the “eligible representative” a letter confirming the balance as at the date of death, along with the most recent statement which includes payment details. If no balance is owed, we will simply close the account and send a letter confirming this. If the account is in credit, we will send a bank cheque to the executor of the Estate.
Information on what is needed to finalise the Estate are included in the letter that we will send once we are initially notified of the deceased customer’s passing.
The “eligible representative” will need to provide a copy of at least one of the documents listed below:
- Death Certificate
- Doctor’s medical certificate
- Funeral bill
- Solicitor’s or Coroner’s Letter
- Grant of Probate
- Letters of Administration
- A certificate issued by the public trustee or Trustee Company authorised to do so.
The eligible representative can request a list of all the direct debits and recurring payments on the account, over the past 13 months, by calling our Customer Support Team on 1300 415 445. We can also assist with cancelling direct debit transactions.
Only the “eligible representative” will be able to access information on the account, after we have received and verified the required documentation. The following people can act as the eligible representative:
- Executor
- Next of Kin
- Solicitors acting on behalf of the Deceased Estate
- Public Trustees acting on behalf of the Deceased Estate
Once we have been advised of a customer’s passing, we’ll place a hold on the account(s) held by the deceased customer, and no further purchases will be able to be made. If there are any Additional Cardholders on the account, their card will also stop working.
We will also send a letter outlining the additional information we need to receive, which will include information on who can act as the eligible representative, and the supporting documents that we will need to receive from them. This letter will be sent either to the legal address of the deceased or, if requested by the person who provided us with the initial notification, to another address of their choosing.
You do not need to be acting in an official capacity, on behalf of the Estate, to provide us with initial notification of the deceased customer’s passing. If you need to contact us about the loss of a loved one you can do this over the phone or through mail.
By phone:
1300 415 445 or +61 2 8288 2061 if calling from overseas
By mail:
Attn: Estate Management
GPO Box 40
Sydney NSW 2001
You do not need to be acting in an official capacity, on behalf of the Estate, to provide us with initial notification of the deceased customer’s passing.
The loss of a family member or friend is a difficult time in your life, and we are here to help.
Once we are notified that a customer has passed away, a letter will be sent outlining the additional information required, which will include information on who can act as the “eligible representative” and the supporting documents required from them. At the same time, a hold will be placed on the card(s) on the deceased customer’s account, which means that any Additional Cardholder(s) on the account will no longer be able to spend on their cards.
After we receive the required documents, we will work with the eligible representative to finalise the Estate.
Family & Domestic Violence
Domestic and family violence refers to a situation where one person in a relationship or family hurts others or makes them feel unsafe. People facing domestic violence will often need help protecting their finances and gaining financial independence. We are here to help.
Some of the forms that domestic and family violence can take include but are not limited to:
– Psychological or emotional violence
– Sexual violence
– Financial abuse
– Physical violence
– Neglect
– Stalking
– Threats to harm you or others
For more information on our policy for supporting victims or family and domestic violence click here.
If you find yourself in a vulnerable position and it is safe to do so, contact our Customer Service Team Call us on 1300 415 445.
Or if calling from outside Australia: +61 3 9192 4431 on to understand the support options available. We’re here from 8am to 6pm (AEST) Monday to Friday. The sooner you reach out, the sooner we can provide you with support and assistance.
Q Life Telephone and online counselling service for LGBTIQ individuals impacted by domestic and family violence. | Telephone : 1800 184 527 3pm to Midnight every day Website : https://qlife.org.au/ |
No to Violence Men’s referral confidential counselling service for male perpetrators of violence wanting to address and change their behaviours.
| Telephone : 1300 766 491 Monday-Friday 9:00am-5:00pm Website : https://ntv.org.au/ |
Domestic Violence resource centre A full list of support services, by state and Australia-wide.
| Support Services and Contacts broken down by State Website : https://www.dvrcv.org.au/support-services https://www.dvrcv.org.au/ |
DV Connect DV Connect is a not-for-profit organisation providing telephone crisis helplines for Queenslanders experiencing domestic and family abuse, and/or sexual assault.
| Telephone : 1800 811 811 Available 24/7 Website : https://www.dvconnect.org/ |
1800RESPECT If you or someone you know is impacted by sexual, domestic or family violence, reach out to 1800RESPECT or call 1800 737 732.
| Telephone : 1800 737 732 Available 24/7 Website : www.1800respect.org.au/ |
Technology Safety Australia Provides resources and support on technology, privacy and safety in the context of intimate partner violence, sexual assault and violence against women.
| Website : techsafety.org.au/ |
Financial hardship support
The type of financial hardship arrangement you have entered which will depend on whether the changes to the terms of your loan or obligations are permanent or temporary.
Variation Financial Hardship Arrangement (V) – indicates that a permanent variation to the terms of the consumer credit contract have been made and will be reported once in the month that the contractual variation took effect. Once the FHI has been reported with a Variation (V), the future RHI will be updated to indicate if the new monthly repayments are being paid on time or not.
Temporary relief or deferral Financial Hardship Arrangement (A) – providing temporary relief from or deferral of the individual’s obligations in relation to consumer credit, reported each month that the arrangement is in place. During the period that any temporary relief or deferral Financial Hardship Arrangement is in place, the RHI will be concurrently reported to indicate whether you are meeting the obligations of your temporary financial hardship arrangement where payments were agreed to be made.
This information will be stored on your credit file for 1 year. Only your financial hardship information from licensed credit providers who hold an Australian Credit Licence can be recorded. Telecommunication and utility companies are not licensed credit providers, so your financial hardship information will not include these providers and they will not be able to see financial hardship information details either.
These changes will also allow licensed credit providers to access and use this comprehensive information in order to make more informed lending decisions. However, this information cannot be used by licensed credit providers to calculate your credit score.
You are entitled to a free credit report every three (3) months and you can request one through any of the Credit Reporting Bodies:
Equifax
Web – www.equifax.com.au
Phone – 1300762207
Illion
Web – http://www.illion.com.au
Phone – 13 23 33
Experian
Web – http://www.experian.com.au
Phone – 1300783684
Contact Us
If you would like further information on how we may be able to assist you, are experiencing financial difficulty in meeting your commitments or would like assistance with completing an application, please call us on 1800 133 397 Monday to Friday from 9am to 9pm AEST, excluding public holidays.
Need More Help
You can get free independent counselling and advice from a Financial Counsellor.
For a comprehensive listing of Financial Counsellors please visit the FCA website: financialcounsellingaustralia.org.au/Home
To talk to a Financial Counsellor by phone (or for referral) call 1800 007 007 from anywhere in Australia.
You may also find the following websites helpful, which provide information on managing your money:
In July 2022, amendments to the Privacy Act 1988 introduce Financial Hardship Information (FHI) as a new category of information, which will be displayed on consumer credit reports alongside Repayment History Information (RHI). The Financial Hardship Information will indicate if you have entered into a temporary or permanent hardship arrangement but will not include the reasons for the arrangement you have entered into.
If you are experiencing financial hardship due to factors such as unemployment, injury, illness or natural disaster, we have a longstanding Financial Hardship program available to support you. You can request assistance by:
- Completing an Online Hardship Application form. Please have information about your income, expenses and assets on hand before you start completing the form, as you will not be able to save and return to it at a later time. We will also send an SMS to the mobile number registered to your account to authenticate your identity before you submit the form.
- Printing and sending us a Personal Financial Support form at PO Box 3453 Sydney NSW 2001, Australia. You can also scan and email this form to us at cardshardship@cards.koganmoney.com.au.
Before you apply for financial hardship assistance, you should read the important information below:
- Kogan Money Credit Cards are issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). NAB has acquired the business relating to these products from Citigroup Pty Ltd (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to assist to administer the products.
- If you hold a credit card or personal loan which was formerly issued by Citigroup Pty Ltd (and which is now issued by NAB) which is branded Citi, Card Services, Coles Financials Services, Suncorp Clear Options, Qantas Money, Kogan Money, Virgin Money or Bank of Queensland, this hardship application will also be applied to any or all of those accounts as well. If you do not require hardship assistance on all of your accounts, please do not submit an online form and contact our hardship team on 1800 133 397.
- Once we have received your completed application form, one of our representatives will contact you to discuss your situation and solutions that may be available to assist you.
- You are not required to provide supporting documents at the time you submit your application. If we do require supporting documents, we will let you know.
- If you have been or are still paying for insurance on any of your Credit Card account(s) or Personal Loan product(s), you may be eligible to make a claim with the insurer. Your account statement will indicate the name of the insurer you need to contact. However, an insurance policy wouldn’t preclude you from applying for financial hardship assistance, if you still require it.
- Your card/account may be suspended from the time we receive your application for hardship assistance, and if approved, during the entire period you are on financial hardship. Ability to transact post your financial hardship assistance will be based on your card or account status.
If you are experiencing financial hardship on any of your accounts, please call us on 1800 133 397 Monday to Friday from 9am to 9pm AEST, excluding public holidays. We are here to help when you need it most.
We can work with you to find a solution that best meets your needs. We may be able to provide you with:- Payment holiday
- Reduced payment plans
- Reduced settlements
After we receive your request, we will be in touch to discuss your situation and solutions that may be available to assist you.
Managing your account
You can update your address and contact details in the Kogan Money Credit Cards Mobile App via ‘Settings’ > ‘Personal Information’.
You can also update your address and contact details in the ‘Manage My Card’ section via Kogan Money Credit Cards Online.
You can do this by completing the Appointment of Authorised Person form and returning it to us.
You can choose whether the person can only make enquiries about your account, or also allow them to make limited changes to your account such as updating contact details, requesting replacement cards and disputing transactions. This authority will remain in place until you tell us otherwise.
The minimum credit limit for our credit card is $6,000.
The maximum credit limit for our credit card is $30,000.
You can request an increase to your credit limit by logging into the Kogan Money Credit Cards Mobile App and clicking ‘Chat with us’ located under the ‘Help’ tab.
You can also decrease your credit limit through the ‘Manage cards’ section on the home page of Kogan Money Credit Cards Online.
If you have used your card over the Statement Period or have a balance on your account, we will send you a statement that shows you how much you’ve spent, the amount you need to pay us, date the payment must be received by and how to make that payment.
A Statement Period is normally 30 days, and so if you use your Kogan Money Credit Card regularly you should expect to receive a statement every month. All Kogan Money Credit Card accounts will be sent a statement at least once every six months.
You can receive your statement by email or also download it anytime via the Kogan Money Credit Cards Mobile App or Kogan Money Credit Cards Online.
To access via Kogan Money Credit Cards Mobile App:
Go to ‘Balance’ > PDF icon
To access via Kogan Money Credit Cards Online:
Go to ‘My Statements’ > ‘Statement Preferences’ > ‘Statements’
You can tell us how you prefer to receive your statement on the ‘Statement Preference’ page within Kogan Money Credit Cards Online.
If you are enrolled in eCommunications, where possible we will send communications about your card or account to you via email and SMS. You will still need to maintain a current mailing address with us, as we can’t email and SMS all communications.
Notices sent to you electronically are also available anytime at Kogan Money Credit Cards Online via My Statements > Statement Preferences > Statements and Notices.
You can have up to four Additional Cardholders on your account, and they need to be at least 16 years old and an Australian resident.
To add an Additional Cardholder, login to Kogan Money Credit Cards Online > ‘Manage card’ > ‘Apply’
For more information, see the Kogan Money Credit Cards Terms and Conditions and Other Important Information.
You can close your account via Kogan Money Credit Cards Online or the Mobile App.
To access via Kogan Money Credit Cards Mobile App:
Go to ‘Help’ > ‘Chat with us’
To access via Kogan Money Credit Cards Online:
Go to ‘Kogan Money Black Card’ > ‘Manage cards’ > ‘Account closure request’ and follow the instructions.
Make sure to redeem your Rewards Points prior to account closure as any outstanding rewards points balance will be forfeited upon account closure.
Mobile App and Online Servicing
The Kogan Money Credit Cards Mobile App and Kogan Money Credit Cards Online share the same login.
To set up your login, simply search ‘Kogan Money Credit Cards Mobile App’ in the App Store or Google Play, download and follow the prompts to set up and manage your account on your mobile. If you prefer, you can also visit the Kogan Money Credit Cards Online, click ‘Register’ underneath the login button and follow the steps.
You will need your credit card and mobile handy to complete registration.
Simply search ‘Kogan Money Credit Cards Mobile App’ in the App Store or Google Play, download and follow the prompts to set up and manage your account on your mobile.
No, you can only log in to the app on one device at a time.
Underneath the login button at Kogan Money Credit Cards Online, you can select the ‘Forgot your Username or Password’ link. You’ll need your card and mobile with you.
Simply go to ‘Settings’ from the dashboard > Mobile Token > Setup Mobile Token > Create Unlock Code
- Check your current available balance
- Review your transactions
- See your payment due, and when it needs to be paid by
- Temporarily lock your card
- Update your PIN
- Set up direct debit payments to your card
- Make BPAY payments to existing billers
- View your statements
- View your Rewards Points balance
- Chat with us
- Enable and customise your alert preferences
- Check your current available balance
- Review your transactions
- See your payment due, and when it needs to be paid by
- Increase or decrease your credit limit
- Add an additional cardholder
- Temporarily lock your card
- Report your card as lost or stolen
- Request a replacement card (for example, if your current card is damaged)
- Update your PIN
- Set up direct debit payments to your card
- Make BPAY payments
- View your statements, notices and secure messages
- View your Rewards Points balance
- Change your address and contact details
- Decrease your credit limit
- Update your marketing preferences
- View available offers
- Close your account
- Enable and customise your alert preferences
An OTP is a unique PIN that is generated in the Kogan Money Credit Cards Mobile App or can be sent by SMS to your registered mobile phone.
OTPs allow us to authenticate your identity before you update your personal details or request other changes to your account and preferences.
After you log in, you will be able to view your account balance, transaction history and view available offers without entering an OTP.
You won’t be able to set up new payments, view messages, view statements, view or change your profile, lock your card, report your card as lost or stolen, change your PIN, request changes to your credit limit or close your account without entering an OTP.
We take the security of your account and personal information seriously, which is why we require this additional layer of authentication before you can access some features.
No, you will generally need a mobile to receive an OTP.
You could choose to generate an OTP through the Kogan Money Credit Cards Mobile App on an iPad, but to do so you would need to have previously created an account (and received an OTP through your registered mobile number) and an active network connection.
You can still receive an OTP via SMS if you choose, although we recommend using the Kogan Money Credit Cards Mobile App to generate your OTP while you are connected to Wi-Fi, to avoid potential charges from your mobile carrier.
Mobile Wallets
Yes, you will collect the same number of Reward points when you pay with your card through Apple Pay or Google Pay.
You can set your Kogan Money Credit Card as your default payment type by:
- Going to ‘Settings’ and selecting ‘Wallet & Apple Pay’.
- Scrolling down to ‘Transaction Defaults’ and tap ‘Default Card’.
- Selecting your Kogan Money Credit Card.
Yes, you can add your card to Apple Pay or Google Pay. For more information, please visit:
Paying Your Account
Your monthly statement will tell you the payment due, as well as the date the payment needs to be received by. Alternatively, you can check by selecting ‘Balance’ in the Kogan Money Credit Cards Mobile App.
You will be charged a Late Payment Fee of $30 each time we don’t receive the payment due by the payment due date.
You can choose to pay your account through:
- Direct Debit
- BPAY
A Direct Debit ensures you pay automatically, so you don’t have to worry about missing your due date. Simply provide your bank account details and tell us whether you prefer to pay your minimum payment or closing balance each month.
Simply log in to Kogan Money Credit Cards Online and click on ‘My Payments’ > ‘Pay My Account’ to setup your Direct Debit Auto Pay.
Simply use the BPAY function through your bank with the following details:
- Biller Code: 266650
- Reference Number: Your 16 Digit Account Number (please refer to your statement, as your account number may not be the same as your card number)
Rewards
You can view your Rewards Points balance on your statement, in Kogan Money Credit Cards Online and in the Kogan Money Credit Cards Mobile App located under ‘Rewards’.
If you would like to claim for missing Rewards Points, you can chat with us by logging into the Kogan Money Credit Cards Mobile App > ‘Help’ > ‘Chat with us’.
You can redeem your Rewards Points in two ways:
- You may use your Rewards Points to pay for certain selected transactions that we present to you via SMS, Kogan Money Credit Cards Online and the Kogan Money Credit Cards Mobile App.
- You can use your Rewards Points for purchase at the Kogan.com checkout. For more information refer to the Kogan Money Credit Cards Rewards Terms and Conditions.
No, you are unable to transfer Reward Points to a Frequent Flyer program. You may redeem Rewards Points for eligible purchases on Kogan.com using Pay with Points or for certain eligible transactions that we present to you via SMS, Kogan Money Credit Cards Online or the Kogan Money Credit Cards Mobile App.
If you have not received a product you have purchased from Kogan.com using your Rewards Points, please contact Kogan.com for assistance. Click here for help options available.
Rewards Points are awarded in respect of Eligible Transactions. The number of Rewards Points awarded is calculated by reference to the Australian Dollar amount of the Eligible Transaction.
You will earn the following:
- 2 Rewards Points for each whole Australian Dollar spent on Kogan.com
- 1 Rewards Point for each whole Australian Dollar, for all other Eligible Transactions.
No, rewards points cannot be transferred to other individuals.
Yes, you can make a partial Rewards Points redemption. The remaining balance will be charged to your chosen payment option.
If you have received a faulty or damaged product purchased from Kogan.com using your Rewards Points, please contact Kogan.com for assistance.
Your Rewards Points earn is uncapped.
To re-link your Kogan Money Credit Card to your Kogan.com account, login to your Kogan.com account > ‘Card Rewards’ > ‘Unlink Card’ > follow the prompts.
Special Offers
Once your Kogan Money Credit Card application is approved, we’ll automatically create a Kogan.com account if you don’t already have one. The account will be created with the email address used in your Kogan Money Credit Card application.
Once your account is created, an email will be sent to you with a prompt to set your password. Alternatively, you can follow the steps below.
To set your password:
- Visit Kogan.com and click the ‘Login’ button in the top right corner.
- Click the ‘Forgotten your Password’ link.
- Enter the email address that was used when you applied for your Kogan Money Credit Card and follow the prompts.
If you already have a Kogan.com account and the email address is the same as the one used on your Kogan Money Credit Card application, simply login to your account via the verification email sent to you and navigate to the ‘Card Rewards’ page to see your linked credit card.
Once your credit card is linked to your account, you’ll be able to enjoy these benefits:
- Kogan First Membership
- Make purchases using Fixed Payment Options
- Redeem your rewards points at checkout for purchases on Kogan.com
To activate the Kogan First Membership that comes with your Kogan Money Credit Card, you’ll need to link your Kogan Money Credit Card to your Kogan.com account.
After you’ve setup your Kogan.com password, click on ‘Card Rewards’ and follow the prompts to add your card details. At the bottom of the form, you’ll see a checkbox to activate your Kogan First Membership.
If you’re having trouble activating your Kogan First Membership or linking your Kogan.com account, get in touch with us by logging into the Kogan Money Credit Cards Mobile App > ‘Help’ > ‘Chat with us’.
Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi branded Accounts, fees and charges such as interest and ATM charges, transactions made using Rewards Points and government related transactions. Government related transactions include transactions with government or semi-government entities or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). For more information, please see the Kogan Money Credit Cards Rewards Terms and Conditions.
The promotion credit will be applied to your Kogan.com account within 10 weeks after the end of the qualifying period and will expire 12 months from the date it is applied.
Using My Card
When you log in to the Kogan Money Credit Cards Mobile App or Kogan Money Credit Cards Online you will automatically be prompted to activate your new card.
If you’re having trouble activating your card, you can chat with us by logging into the Kogan Money Credit Cards Mobile App and clicking ‘Chat with us’ located under the ‘Help’ tab.
To view your current account balance, simply log in to the Kogan Money Credit Cards Mobile App or Kogan Money Credit Cards Online.
If you don’t recognise a transaction, you can chat with us by logging into the Kogan Money Credit Cards Mobile App and clicking ‘Chat with us’ under the ‘Help’ tab. Alternatively, you may wish to contact the merchant directly to try and resolve the dispute yourself.
Yes, you can. On your transaction list in Kogan Money Credit Cards Online, click ‘Search and filter’ at the top of the list. You will be able to filter the transactions you are seeking, and export to a range of formats by clicking the ‘Download’ icon to the bottom-right of the filter settings.
You can withdraw cash from an ATM/EFTPOS machine using your Kogan Money Credit Card and your Card PIN.
You can withdraw up to your available cash limit however there is a maximum of $1000 cash per day.
You can also withdraw cash with your Kogan Money Credit Card and your Card PIN over the counter at any bank in the world that displays the VISA symbol.
Yes, standard Cash Advance fees and charges may apply. For overseas transactions, currency conversion and other fees may apply.
Cash withdrawals are also charged interest at the applicable Annual Percentage Rate for Cash Advances.
You can find information about the interest, fees and charges relevant to your card in your Financial Table. For more information, you can chat with us anytime by logging into the Kogan Money Credit Cards Mobile App and clicking ‘Chat with us’ located under the ‘Help’ tab.
Yes, if you have the BPAY Biller Code and Reference Number for the company you are making a payment to.
You can make BPAY payments through the Kogan Money Credit Cards Mobile App or Kogan Money Credit Cards Online.
In the Kogan Money Credit Cards Mobile App, select ‘Payments’ and then ‘Pay Bill’ to make a payment to any BPAY Biller you have previously set up, or an ad hoc payment to a new BPAY Biller.
In Kogan Money Credit Cards Online, you can make payments to an existing BPAY Biller and set up a new Biller. You will also be able to review scheduled payments and manage your payees through the ‘My Payments’ section.
You can add and delete payees in the ‘My Payments’ section under ‘Manage Payees’ on Kogan Money Credit Cards Online.
Yes. To schedule a payment for a later date, select ‘Future Date’ when providing payment details. For a recurring payment, select ‘Schedule a recurring payment’.
No, there is no fee to use BPAY with your Kogan Money Credit Card.
Yes, you can use BPAY to pay your account.
When you activate your card, we will automatically ask you to set your PIN.
You can change your PIN in the Kogan Money Credit Cards Mobile App via ‘Settings’ and selecting your credit card under ‘Card Settings’ > ‘Card PIN’
You can also change your PIN in the ‘Manage cards’ section on the home page of Kogan Money Credit Cards Online.
No, for security purposes your Additional Cardholder will need to set their own PIN.
No, you don’t need to tell us that you will be overseas.
We do recommend though that you ensure your contact details are up to date as we may need to send you an SMS or email to confirm that a transaction was made by you.
You may also want to add your card to Apple Pay so that you’re able to continue paying with your Kogan Money Credit Card in store anywhere you can tap and pay if your physical card is lost, stolen or damaged while you’re travelling.
If your card is lost or stolen, you should let us know immediately. Please refer to the ‘Lost or stolen cards’ section of the FAQs to find ways to contact us and how to temporarily lock your card.
We recommend that you add your card to Apple Pay before you travel, so that you’re able to continue paying with your Kogan Money Credit Card in store anywhere you can tap and pay.
To report your card as lost or stolen, simply chat with us by logging into the Kogan Money Credit Cards Mobile App and clicking ‘Chat with us’ located under the ‘Help’ tab.
Alternatively, you can call us on 1300 415 445 or +612 8288 2061 from overseas, 24 hours a day, 7 days a week.
Yes, you can easily lock your card through the Kogan Money Credit Cards Mobile App or in Kogan Money Credit Cards Online and prevent new transactions without affecting your established recurring payments or direct debits.
To access via Kogan Money Credit Cards Online:
Select your card > ‘Manage Cards’ > ‘Card Status’ > ‘Lock you card’
To access via Kogan Money Credit Cards Mobile App:
Go to ‘Settings’ > ‘Card Settings’ > Select your card > ‘Lock Card’
Yes, if you report your card as lost or stolen, we will cancel and reissue your physical card. You will continue to be able to use your digital card through Apple Pay.
You’ll receive a new card with a new card number and new expiry date within 7 business days. When activating your new card, you will be asked to set up a new PIN, and you can continue to use Apple Pay without interruption.
You’ll receive your card within 7 business days of you reporting your card as lost or stolen.
Our internal fraud management systems identify unusual activity on your card and alert our security experts. When we detect possible fraudulent transactions, we will alert you by SMS or phone, 24/7, and confirm whether the transaction is genuine.
Our physical cards use chip technology to further protect your personal information. If you prefer to use a digital card through Apple Pay, you can also choose to use biometric authentication to authorise your transactions.
If you believe someone has fraudulently used your card, call us immediately on 1300 300 346 or +612 8288 2395 if you are overseas.
If you don’t recognise a transaction, let us know by logging into the Kogan Money Credit Cards Mobile App and clicking ‘Chat with us’ located under the ‘Help’ tab.
Alternatively, you may wish to contact the merchant directly to try and resolve the dispute yourself.
Your card
The recycled plastic is certified by UL Environmental Claim Validation. More information about the certification can be found here.
The plastic used in your card is made using 80% recycled plastic. A card is approximately 97% plastic, by weight.
Other components of the card, such as the chip, antenna and magnetic strip, are not made using recycled material.
The next card we send you will be made using plastic that is 80% recycled. Other components of the card, such as the chip, antenna and magnetic strip, are not recycled.
The card will be sent as your existing card nears its expiry date, unless you request a new card before then for a different reason (for example, to replace a damaged card or a card that has been lost, stolen or compromised).
No, our cards cannot be recycled at the moment.