Product Library

Kogan Money Black Credit Card

The Product is a rewards credit card that provides individuals with a line of credit facility, the ability to earn Kogan Money Credit Card Rewards Points (Reward Points) and access to ancillary Kogan.com benefits, with up to 44 days interest free on retail purchases and no annual fee.

Category: Credit and Charge Cards Last Updated March 4, 2026 Effective April 29, 2026

General Lending Rates

Rates listed below are for a product. Additional Information

Interest Rate
NA PA

Comparison Rate
NAPA*

Product rates will vary depending upon your financial position, LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations

Product rates and conditions will vary based on the LVR and other conditions.

Product Features

Balance Transfers

Bill Payment

Bill Payment

Complementary Product Discounts

Digital Banking Additional Information: Kogan Money Credit Cards Online

Digital Banking Additional Information: Kogan Money Credit Cards Mobile App

Digital Wallet

Digital Wallet

Interest Free

Loyalty Program

Unlimited Txns

Complementary Product Discounts

Instalment Plan

Additional Cards

Product Eligibility

Min Age - 18.

Residency Status - Must Be An Australian Resident.

Natural Person

Min Income - 35000.00.

Other Additional Information: Have an Australian mobile number

Other Additional Information: Have a valid email address

Bank Fees and Charges

Annual Fee (Periodic), Amount: 0.00.

Domestic Cash Advance Fee (Withdrawal), Amount: 5.00. Additional Information: $5 per transaction amount or 3.5% of the transaction value, whichever is higher, for a Cash Advance inside Australia, debited to your Account on the Transaction Date.

International Cash Advance Fee (Withdrawal), Amount: 5.00. Additional Information: $5 per transaction amount for a Cash Advance outside of Australia, debited to your Account on the Transaction Date.

International Transaction Fee (Transaction), Amount: Not Listed.. Additional Information: We charge you an International Transaction Fee of 3.4%, debited to your Account on the Transaction Date.

Late Payment Fee (Event), Amount: 30.00. Additional Information: $30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account

Limitations & Restrictions (Constraints)

Max Limit of 30000.00

Min Limit of 6000.00

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