---
title: "Kogan Money Black Credit Card — Kogan Money Credit Cards"
description: "Credit & Charge Cards from Kogan Money Credit Cards. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/kogan-money-credit-cards/products/229ba4a9-71f0-4339-b447-e00a6b524b90
source: "CDR Compare"
language: en-AU
last_updated: 2026-04-23T00:12:00Z
---

# Kogan Money Black Credit Card — Kogan Money Credit Cards

> Credit & Charge Cards from Kogan Money Credit Cards. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards**

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.

## At a glance

- **Purchase rate:** 21.99%
- **Annual fee:** $0.00

## Apply

Applications are handled by the provider: [Apply at Kogan Money Credit Cards](https://www.koganmoney.com.au/credit-cards/kogan-money-black-card/)

## 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 — 2 · $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
- **Digital wallet** — Google Pay
- **Interest-free period** — 44 days
- **Loyalty program** — Kogan Money Credit Cards Rewards
- **Unlimited transactions**
- **Discounts on other products** — Kogan.com acquisition voucher
- **Instalment plan** — Eligibility criteria and terms and conditions apply
- **Additional cards** — up to 4

## 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 from Kogan Money Credit Cards

- [Overview](https://www.koganmoney.com.au/credit-cards/kogan-money-black-card/)
- [Terms & conditions](https://www.koganmoney.com.au/credit-cards/important-information/)
- [Eligibility](https://www.koganmoney.com.au/credit-cards/kogan-money-black-card/)
- [Fees & pricing](https://www.koganmoney.com.au/credit-cards/kogan-money-black-card/)

## Data provenance

- Published by Kogan Money Credit Cards under the Consumer Data Right
- Product ID: `229ba4a9-71f0-4339-b447-e00a6b524b90`
- Last updated by the provider: 23 April 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/kogan-money-credit-cards/229ba4a9-71f0-4339-b447-e00a6b524b90
- Provider page: https://www.cdrcompare.au/brands/kogan-money-credit-cards
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000166

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/kogan-money-credit-cards/products/229ba4a9-71f0-4339-b447-e00a6b524b90) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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