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.
- Purchase rate
- 21.99%
- Annual fee
- $0.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase Retail purchase rate | 21.99% | — | — |
| Cash advance Cash advance rate | 22.74% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Annual Fee Charged yearly | Ongoing | $0.00 |
| Domestic Cash Advance Fee $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. | Cash advance | 3.5% of transaction |
| International Cash Advance Fee $5 per transaction amount for a Cash Advance outside of Australia, debited to your Account on the Transaction Date. | Cash advance | $5.00 |
| International Transaction Fee We charge you an International Transaction Fee of 3.4%, debited to your Account on the Transaction Date. | Transaction | 3.4% of transaction |
| Late Payment Fee $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 | Late payment | $30.00 |
Features
- Balance transfers — Eligibility criteria and terms and conditions apply
- Bill payment (BPAY) — Direct Debit/ AutoPay
- Bill payment (BPAY) — BPAY
- Discounts on other products — Kogan First Membership
- Digital banking
- Kogan Money Credit Cards Online
- Digital banking
- Kogan Money Credit Cards Mobile App
- Digital wallet — Apple Pay
Eligibility
- Minimum age — 18 years
- Residency status — Must be an Australian resident
- Individuals only
- Minimum income — $35,000.00 p.a.
- Have an Australian mobile number
- Have a valid email address
Constraints
- Maximum limit — $30,000.00
- Minimum limit — $6,000.00
More Information
Published by Kogan Money Credit Cards under the Consumer Data Right · Last updated 23 April 2026 · Product ID 229ba4a9-71f0-4339-b447-e00a6b524b90 · View on CDR.gov.au