Credit Cards
Our latest offer!
Earn $300 Kogan.com credit
When you spend $3,000 on eligible purchases in 90 days from Card 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 on Kogan.com, or elsewhere, 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.⁑
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 winner of Finder’s Best No Annual Fee Credit Card and Best No Annual Fee Rewards Credit Card for 2025. Learn more from Finder.
Visa payWave
Simply wave and go◊
Fast 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 a fast, simple way to pay on sites, in apps, and in stores using the Kogan Money Credit Card saved on your Google Account
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. If you have previously held a Kogan Money Credit Card, you will not be eligible for this offer. This offer commenced 2 April 2025. We reserve the right to withdraw or change the offer at any time without notice. This information is correct at 2 April 2025. 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. 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. If you have previously held a Kogan Money Credit Card, you will not be eligible for this offer. This offer commenced 2 April 2025. We reserve the right to 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 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 2 April 2025. This offer commenced 2 April 2025. Rewards Points are not issued on Balance Transfers. 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.
◊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 2 April 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 2 April 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.
⁑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. 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. If you have previously held a Kogan Money Credit Card, you will not be eligible for this offer. This offer commenced 2 April 2025. We reserve the right to 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 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 2 April 2025. This offer commenced 2 April 2025. Rewards Points are not issued on Balance Transfers. 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.
◊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 2 April 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 2 April 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.
⁑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.