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.

Credit cardsBank updated 2 Nov 2026

Apply at Kogan Money Credit Cards ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Purchase rate: 21.99%
Cash advance: 22.74%
Interest-free days: 44
Annual fee: $0
Foreign transaction fee: 3.40%
Rewards: Kogan Money Credit Cards Rewards

How it compares

This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

Typical 12.49%

8%10%12%14%16%18%20%to 27.3%

This credit card: 21.99%Every other institution's lowest, 50 in all

Ongoing purchase rate, not introductory offers. One dot per institution, at its lowest credit card purchase rate anyone can apply for; hover or tap a dot for its name.

Rate	This credit card	Best anywhere	Typical institution	Where it sits
Any credit cardOngoing purchase rate, not introductory offers	21.99%	7.49%Unity Bank's Low Rate Visa Credit Card	12.49%of 51 institutions	50th lowest of 51
No annual feeOngoing purchase rate	21.99%	10.99%American Express' Low Rate Credit Card from American Express®	14.84%of 10 institutions	9th lowest of 10, level with one other
Rewards cardOngoing purchase rate on a card that earns points	21.99%	12.99%Virgin Money Australia's Virgin Money Low Rate Credit Card	20.99%of 25 institutions	17th lowest of 25
Interest-free daysDays without interest on purchases when the balance is paid in full	44 days	62 daysBeyond Bank Australia's Low Rate Credit Card	55 daysof 42 institutions	38th longest of 42, level with 3 others

Rates

Every rate Kogan Money Credit Cards publishes for this credit card, 2 in all.

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Cash advanceCash advance rate	-	-	-	22.74%	-	-
PurchaseRetail purchase rate	-	-	-	21.99%	-	-

Fees

5 fees published, grouped by when they're charged.

While you hold it1

Annual Fee
No fee

When you make a transaction3

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.
3.50% 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.
$5
International Transaction Fee
We charge you an International Transaction Fee of 3.4%, debited to your Account on the Transaction Date.
3.40% of transaction

If a payment is late or fails1

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…
$30 2 days after it's due

Features

Digital bankingUnlimited transactionsBalance transfersInstalment plans44 interest-free days4 additional cardsApple PayGoogle PayKogan Money Credit Cards Rewards

Eligibility and limits

Minimum age 18
Residency: Must be an Australian resident
Minimum income $35,000
Available to individuals
Amount $6,000 to $30,000
Have an Australian mobile number
Have a valid email address

Compare it with others

All credit cards Other Kogan Money Credit Cards credit cards Everything Kogan Money Credit Cards publishes

Put this product through a calculator

Published by Kogan Money Credit Cards under the Consumer Data Right, last changed by them on 2 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.