We’ve moved to our new Mobile App and Online Servicing channel
Earlier this year, we announced that we’re bringing you a new Kogan Money Credit Cards Mobile App and Online experience. It’s now time to retrieve your new login details and switch over to the new experience.
Here’s how to get started in just a few steps.
How to access your account
Follow these 3 simple steps
In the new Kogan Money Credit Cards Mobile App:
- Download our new Kogan Money Credit Cards Mobile App from the App Store or Google Play store, it will be the app with
the red icon. - Retrieve your new Kogan Money Credit Cards User ID directly from the app and set a new password. You’ll be guided
through this once you get there. - Complete set up of your app settings, including biometric login if you prefer to use it when logging in.
Once you’re all set up, you can uninstall the old Kogan Money Credit Cards Mobile App (with the black icon) as it’s no longer available.
At Kogan Money Credit Cards Online:
- Retrieve your new Kogan Money Credit Cards User ID directly from our Online Servicing channel at cards.koganmoney.com.au. *or by clicking the ‘Login’ tab at the top of this website) You’ll be guided through this once
you get there. - Set a new password.
If you don’t have access to your registered mobile phone number, or can’t retrieve your new Kogan Money Credit Cards User
ID, you can call us on 1300 415 445 or +612 8908 6196 (from overseas), for assistance.
Helpful tip: When you’re logging into the new experience for the first time, we’ll send you a few security codes along the way
to make sure that it’s you, so you’ll need the mobile phone number registered to your account handy.
Temporary changes to some product features
We want to keep you informed about some product features that won’t be available until late 2025.
- New cash and statement Instalment Plans: From 13 February 2025 new cash Instalment Plans and statement Instalment Plans will be unavailable.
- Instalment Plans at Kogan.com (also known as Fixed Payment Options) which allow you to convert eligible purchases into instalments: Will be unavailable from 7 March 2025 for Kogan Money Credit Card holders.
Any existing Instalment Plans that you have will continue, however you won’t be able to change the term of your existing Instalment Plans after 10 March 2025. We know these are important features of your Kogan Money Credit Card and we’re working to bring them back as soon as possible. We’ll let you know when they’re available again.
Kogan Money Credit Card Rewards
You can access your rewards points balance, Pay with Points and track the rewards you earn on every eligible purchase through your
rewards summary in the new rewards portal. Your rewards points balance will no longer appear on your monthly statement, but it will be available in your mobile app and online experience.
We’ve extended the period you can select new eligible transactions to Pay with Points from 90 days to 150 days. You can now access Pay with Points via the rewards portal rather than the transaction history in your mobile app and online.
We’ve changed the system we use to manage your credit card and rewards. As part of this change, we transitioned to a new app
and online experience on 17 March 2025.
The previous Kogan Money Credit Cards Mobile App and Online Servicing channels were retired on 14 March 2025. You’ll need to
switch over to the new channels and log in using your new Kogan Money Credit Cards User ID to continue managing your account
and rewards by following the steps listed above.
No, your previous login details won’t work. You can retrieve your new Kogan Money Credit Cards User ID directly from the new
Kogan Money Credit Cards Mobile App or Online Servicing channel at cards.koganmoney.com.au. You’ll be guided through how to
retrieve your new User ID and set a new password once you get there. If you’re not able to retrieve your new User ID, please call us
for assistance.
Yes. If your device supports biometric login, you can enable it via the ‘Settings’ section in the new Kogan Money Credit Cards
Mobile App.
Yes. Previously your balance was displayed as a positive (+), but now it will appear with a minus sign (-) preceding the amount. The
minus sign indicates the amount you owe, providing a clearer representation of your balance. Your current balance includes pending
transactions.
No, this change only impacts how your balance is displayed in the app and online. There is no impact to your actual balance or your
repayments.
We’ll send you an email to let you know when your statement for the month is available to view in the Kogan Money Credit Cards
Mobile App or Kogan Money Credit Cards Online under the welcome screen > the tile for your account > View statements.
You can view 2 years worth of previous statements.
You can manage your credit card account through the Kogan Money Credit Cards Mobile App on your mobile device as well as our
Online Servicing channel at cards.koganmoney.com.au. Both of these platforms allow you to perform functions such as:
- Card activation
- Review transaction history
- Review and download statement
- Make BPAY payments
Yes. You can still use the same physical credit card, or the card stored in your digital wallet to make purchases or payments.
Your card details visible within the app or online servicing channels will have the same card number and expiry, however the CVV
(Card Verification Value) will be different to the CVV on your physical card and will change every 18 hours as an additional security
feature.
We’ve introduced what is known as a ‘dynamic CVV’ when you view your card details in the Mobile App and Online Servicing as an
additional security feature.
Dynamic CVV generates a new, temporary CVV in the Kogan Money Credit Cards Mobile App and Online Servicing every 18 hours
and is different to the three-digit CVV printed on the back of your physical card. It changes regularly, making it more difficult for
your card information to be misused.
It can be used for payments where you need to provide your card details to a merchant to pay for your subscription services or
regular bills. You can also use the dynamic CVV when making online or over the phone purchases where you’re asked to enter or
provide your card details to a merchant.
No. If you don’t want to use the dynamic CVV every time you make an online or over the phone purchase, that’s okay – you can still
use the three-digit CVV printed on your physical card.
Yes. We moved your scheduled BPAY payments to our new system during the transition.
If you have given your card details to a merchant to make regular payments, such as subscription services or regular bills, these
payments will continue.
We moved your existing scheduled AutoPay Payments to our new system during the transition.
Total Minimum Payment Due : As shown on your monthly statement. This may include Overdue and Overlimit amounts.
Full Payment (Closing Balance or Interest Free Days Payment) : This will debit the Closing Balance or the Interest Free Days Payment
if you have an Instalment Plan or Balance Transfer. The Interest Free Days Payment excludes Instalment balances not yet due and
Balance Transfer amounts (including any amount owing after the Balance Transfer promotional period expires). If you want to
reduce Balance Transfer amounts, you’ll need to make extra payments.
Things to be aware of:
Additional payments received between the statement date and the day before the Payment Due Date may not reduce the direct
debit payment amount. However, we won’t debit more than the Closing Balance on your statement or an amount that would bring
your account into credit.
To set up a new AutoPay after 17 March 2025, you’ll need to complete a Direct Debit Request form until this feature returns to our
self-service channels.
To set up a new AutoPay, you’ll need to complete a Direct Debit Request form until this feature returns to our online self-service
channels.
Your chosen account must be in your name, and there must be enough funds available on the Payment Due Date (listed on your
statement) to avoid missed payments and subsequent fees or charges. Here’s how to set up a new AutoPay:
- Go to koganmoney.com.au/important-information
- Download and print the Direct Debit Request (AutoPay) form
- Complete and sign the form
- Return your completed form to us via the email or mailing address provided. We’ll process the request within 3-5 business days
of receiving your completed form.
Once the payment has been set up, please note it can take up to 2 business days from the date of the payment for your Direct
Debit AutoPay payment to be cleared from the bank account being debited. Until the payment is cleared, these funds will not be
available for use.
We’ve updated our Terms and Conditions effective 17 March 2025. You can find a summary of all of the changes including links to the new Terms and Conditions in the notice we sent you, or here.