Kogan Money Credit Card 18-Month 0% Balance Transfer and $0 Annual Fee for Aussies

Why Australians are talking about the Kogan Money Credit Card

The Kogan Money Credit Card is catching attention across Australia for its strong balance transfer offer and $0 annual fee. Many Aussies who want to tackle credit card debt are switching to this Kogan Money Credit Card to take advantage of the 18-month 0% balance transfer period and the ability to consolidate multiple debts into one manageable repayment.

Because the Kogan Money Credit Card pairs a long interest-free window with everyday reward points on Kogan.com, it’s a practical choice for shoppers who want to clear debt and keep earning value from their regular spending. The card is straightforward to apply for online and suits those who plan to prioritise paying off transferred balances within the promo term.

Balance transfer terms, fees and what to expect

The headline offer for the Kogan Money Credit Card is 0% p.a. on balance transfers for 18 months, with a typical balance transfer fee of 1% of the amount transferred. This makes it one of the most competitive balance transfer deals in Australia for anyone serious about reducing interest costs and paying off existing credit card or personal loan balances.

It’s important to remember that once the 18-month period ends, the Kogan Money Credit Card reverts to a high ongoing rate (around 21.74% p.a. on transferred balances and about 20.99% p.a. on purchases). Plan repayments carefully so you don’t incur those rates later, and set up reminders to clear the balance before the introductory term finishes.

Rewards, Kogan First membership and everyday value

The Kogan Money Credit Card offers uncapped points on eligible spending, typically up to 2 points per $1, which you can redeem for savings on Kogan.com. For regular Kogan shoppers, 1,000 points usually equals $10 off, and complimentary Kogan First membership adds free shipping and early access deals—helpful perks that increase the card’s everyday value.

Use the Kogan Money Credit Card for planned purchases where you can pay off the balance quickly to maximise rewards without paying interest. The card combines balance transfer savings with real shopping benefits, making it a sensible fit for Australians who already buy from Kogan and want to stack savings.

Risks, best use cases and smart tips for Aussies

The main downside with the Kogan Money Credit Card is the high post-promo interest rate, so it’s only a good deal if you pay down the transferred balance during the 18-month offer. Also, there are no interest-free days on new purchases if you carry a balance from a transfer, so avoid adding new debt while you’re repaying the transfer.

Smart tactics are to transfer only what you can realistically clear within the 18 months, set up a repayment plan, and use the Kogan Money Credit Card mainly for controlled purchases that you can clear each month. If you manage it well, the card is a strong tool for paying off debt, earning Kogan rewards and saving on everyday buys.