Credit Cards

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. If you have previously held a Kogan Money Credit Card, you will not be eligible for this offer. This offer is valid until 16 January 2025. Post this advertised date we reserve the right to continue, withdraw or change the offer at any time without notice. This information is correct at 19 December 2024. 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”). NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to assist to administer the products. Our/us/we 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 3 months from approval (spend period). Please note, purchases must be processed and charged to your account within the spend period. Eligible purchases excludes Cash Advances, Balance Transfers, Special Promotions (for example, transfers to other accounts with a Fixed Payment Option), 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, 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 qualifying 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. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. This offer is for new Kogan Money Credit Card customers only and cannot be used in conjunction with any other promotions or offers. If you have previously held a Kogan Money Credit Card, you will not be eligible for this offer. This offer is valid until 16 January 2025. Post this advertised date we reserve the right to continue, withdraw or change the offer at any time without notice.

^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 promotional period commences when the Balance Transfer is processed, and you must make the Balance Transfer request within 30 days from approval to receive this offer. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the variable annual percentage rate for cash advances, currently 21.74% p.a. on the Kogan Money Credit Card. Interest rates are variable and subject to change. The interest rates are current as at 19 December 2024. This offer is valid until 16 January 2025. Post this advertised date we reserve the right to continue, withdraw or change the offer at any time without notice. Please note that you are not entitled to any interest free days whilst you have a balance transfer. This means that all spend will be charged interest at the variable annual percentage rate for retail purchases. Rewards Points are not issued on balance transfers. This offer is for new Kogan Money Credit Cardholders only and is subject to be extended, without notice at our discretion, is non-transferrable and 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.

¹Fixed Payment Options 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 a Fixed Payment Option are included in your Credit Card Terms and Conditions and Other Important Information. You must have a Kogan.com account, be the primary cardholder of a Kogan Money Credit Card, enrol your Kogan Money Credit Card with Kogan.com and agree to the Pay using Fixed Payment Options at Kogan.com terms and conditions, before you are able to pay for eligible purchases using a Fixed Payment Option (also known as an Instalment Plan) at Kogan.com. Minimum spend of $50 applies. You may only enrol one eligible credit card at any time. The general terms for a Fixed Payment Option are included in your Credit Card Terms and Conditions and Other Important Information booklet under the heading Fixed Payment Option. Additional terms are set out in the Pay using Fixed Payment Options at Kogan.com terms and conditions. By enrolling your card at Kogan.com, you also agree to the Shop with Card Reward Points terms and conditions (if you have an eligible reward card) 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 registered card at anytime. Fixed Payment Option offers are subject to eligibility criteria and only available if your account is and remains in good standing (for example your account is not in default, suspended, or closed). Your Fixed Payment Option uses part of your existing credit limit. As you pay off your Fixed Payment Option, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate for Retail Purchases applicable to your account. Your Fixed Payment Options will be shown on your monthly credit card statement in the ‘Fixed Payment Option Summary’ section, and the monthly instalment amount will be included as part of your Minimum Payment Due on your statement. The Fixed Payment Option fee (FPO fee) will be applied to your account when your FPO is processed. It will form part of the Minimum Payment Due and will be shown on your statement for the cycle in which you set up your FPO. If you fail to pay the initial interest charge or monthly instalment by the Payment Due Date: i. that initial interest charge or monthly instalment will be charged interest at the Retail Purchase Rate from the day after the Payment Due Date. ii. We may cancel any instalment plans, in which case, any outstanding balance of the plan will revert to the applicable Annual Retail Purchase Rate for Retail Purchases.

^#You can earn 2 Rewards Points per whole Australian dollar of eligible spend 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 spend earns 1 Rewards Point per whole Australian dollar. Earning and redeeming Rewards Points is subject to the full details and definitions outlined in the Kogan Money Credit Cards Rewards Terms and Conditions, as amended from time to time. Note that to redeem points online at Kogan.com you are required to be the primary cardholder, have linked your Kogan Money Credit Card to your Kogan.com account and registered for “Shop with Points” at Kogan.com. Earn rates are subject to change. An eligible spend is an Eligible Transaction as defined in the Kogan Money Credit Cards Rewards Terms and Conditions, and 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). Please note that whether or not a transaction is an Eligible Transaction will be determined based on information provided either by the merchant or the relevant financial institution (including information about the type of business conducted by the merchant). This means that, for example, spend with certain merchants may be characterised as spend with a government related entity and therefore not an Eligible Transaction, even if that merchant is not in fact a government related entity. Rewards Points are earned on Eligible Transactions only. 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, and pay for eligible purchases using a Fixed Payment Option when paying with your Kogan Money Credit Card). To register for Card Rewards, you will need to agree to the Shop with Card Reward Points terms and conditions and Pay using Fixed Payment Options at Kogan.com 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/HT208531.

^~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 Pay with Points at Kogan.com. Kogan.com accounts are subject to the Kogan.com Terms and Conditions, and Shop with Points is subject to Kogan’s Terms and Conditions for Using Shop with Card Reward Points at Kogan. Once You have registered Your Card, Pay with Points will appear as a payment option on selected products on Kogan.com. If You make a partial Rewards Points redemption, the remaining balance will be charged to Your chosen payment option by Kogan.com. Items purchased using Pay with Points are also subject to the Kogan.com Terms and Conditions and return policy, which can be found at www.kogan.com/au/tcs-landing/. 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 for Pay with Points. 1 Rewards Point equates to $0.01. Rewards Point value is accurate as at 19 December 2024 but subject to change. Please refer to the full Kogan Money Credit Cards Rewards Terms and Conditions, available at koganmoney.com.au/credit-cards/important-information.

^§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. 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 2 Business Days. Only the Primary Cardholder is eligible for Pay with Points. 1 Rewards Point equates to $0.01. Rewards Point value is accurate as at 19 December 2024 but subject to change. Please refer to the full Kogan Money Credit Cards Rewards Terms and Conditions, available at koganmoney.com.au/credit-cards/important-information.

^ΔThe Interest Free Period applies when you pay the full Closing Balance from your last statement of Account by the Payment Due Date (excluding any Fixed Payment Option balance which isn’t due for payment by that Payment Due Date). No interest free period is available on Cash Advances or Balance Transfers. Whilst you have a Balance Transfer you will be charged interest on your daily unpaid balance.

⁺Visa’s Zero Liability covers fraudulent charges or unauthorised purchases made with your Kogan Money Credit Card account information or card, and excludes ATM transactions and transactions not processed by Visa. T&C’s and exclusions apply. For more information see https://www.visa.com.au/pay-with-visa/security/zero-liability.html.