Credit Cards
Please note, Kogan Money Credit Cards applications are temporarily unavailable until 31 March 2025 while we complete a system change.
Getting the most out of your Kogan Money Credit Card?
Uncapped rewards
Earn 2 rewards points per dollar on your eligible purchases at Kogan.com & 1 rewards point per dollar on your everyday purchases, almost anywhere!# Redeem your points for eligible purchases at Kogan.com using Pay with Points (1000 Points = $10 of Credit!)~
Complimentary 
Membership
Get free shipping on 1000’s of products, express shipping upgrades, and exclusive specials at Kogan.com & Dick Smith‡
Plus, $100 off your Kogan Energy bill with your FIRST membership. Compare your bill today!
Visa payWave
Simply wave and go◊
Faster Payments with Apple Pay
Pay on the go with Apple Pay on iPhone, Apple Watch, iPad, and Mac^
Pay for whatever, whenever with Google Pay
Google Pay is the fast, simple way to pay on sites, in apps, and in stores using the Kogan Money Credit Card saved on your Google Account
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.
Manage your account in our Kogan Money Credit Cards App
- 24/7 chat.
- Log in with just your password, fingerprint or Face ID.
- View your account balance and recent transactions.
- Instantly activate your card or reset your card PIN.
- Temporarily lock or unlock your card.
- View and download your eStatement.
Stay on top of your transactions and payments by downloading the app today.
Spend & earn with uncapped points potential.
What are my points worth?
1000 Points = $10 Kogan.com credit!~
Earn 1 Point
Per $1 on eligible spend almost anywhere!#
Earn 2 Points
Per $1 eligible spend on Kogan.com with no cap on earning
Redeem your points for eligible purchases at Kogan.com using Shop with Points!~
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.§
| 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. |
To obtain a copy of the Target Market Determination (TMD) related to this product click here.
View all important information
#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 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.
◊For purchases of up to $100, simply wave and go anywhere that has a Visa payWave sensor. Withdrawal limits, fees and charges may apply.
^For a list of compatible Apple Pay devices, see support.apple.com/en-au/102896.
~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 17 March 2025 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 17 March 2025 but is subject to change. Please refer to the Kogan Money Credit Cards Rewards Terms and Conditions for more information.
ΔThe Interest Free Period applies to Retail Purchases when you pay the Interest Free Days Payment in full by the Payment Due Date.
‡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.
◊For purchases of up to $100, simply wave and go anywhere that has a Visa payWave sensor. Withdrawal limits, fees and charges may apply.
^For a list of compatible Apple Pay devices, see support.apple.com/en-au/102896.
~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 17 March 2025 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 17 March 2025 but is subject to change. Please refer to the Kogan Money Credit Cards Rewards Terms and Conditions for more information.
ΔThe Interest Free Period applies to Retail Purchases when you pay the Interest Free Days Payment in full by the Payment Due Date.