Kogan Money Black Credit Card Australia – No Annual Fee, $300 Kogan.com Credit and Earn up to 2 Points per $1 Spent
Kogan Money Black Credit Card delivers $300 Kogan.com credit, no annual fee, unlimited rewards up to 2 points per $1 and six months 0% p.a. on balance transfers
What the Kogan Money Black Credit Card offers
The Kogan Money Black Credit Card is a straightforward rewards card geared to Aussies who shop at Kogan.com and want value without an annual fee. It lands with a $300 Kogan.com credit on top, plus unlimited points on everyday spends.
This card lets you earn up to 2 points per $1 spent and includes six months at 0% p.a. on balance transfers, so it’s useful for consolidating higher-interest debt while still earning rewards.
Rewards, Kogan.com credit and extras
Every dollar you put on the Kogan Money Black Credit Card can earn points that convert to Kogan.com dollars at a rate of $0.01 per point, so 1,000 points equals $10. New cardholders also receive a one-off $300 Kogan.com credit, which makes the offer compelling straight away.
Members get perks like a complimentary Kogan First trial, free delivery deals and early access to sales on Kogan.com, helping you squeeze more value from the card without paying an annual fee.
Fees, rates and the fine print
While there’s no annual fee, be aware of the standard variable interest rate that applies after any introductory period—this can be comparatively high in the Australian market. The card charges a 3.4% foreign transaction fee on overseas purchases and online purchases in foreign currencies.
The 0% p.a. balance transfer offer lasts six months but check for any balance transfer fees and the date the promotional rate expires. Also note transfers may stop earning rewards, and late payments can void offers and attract fees.
Who the card suits and how to apply
The Kogan Money Black Credit Card is best for regular Kogan.com shoppers, people looking for an interest-free window to move debt, and anyone wanting rewards with no yearly charge. If you want cashback-like value without paying up front, this card is a solid pick for many Australians.
Application is done online via the Kogan Money website; you’ll need to meet standard eligibility checks like proof of Australian residency and income. To get the most from this card, use the $300 credit early, focus spending on earning up to 2 points per $1, and plan balance transfers so the 0% p.a. window works in your favour.