Kogan Money Credit Cards
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 23 Apr 2026
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
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advanceCash advance rate | — | — | — | 22.74% | — | — |
| PurchaseRetail purchase rate | — | — | — | 21.99% | — | — |
§ 02 — Fees · 5
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Domestic Cash Advance Fee | Cash advance | 3.50% of transaction | — | $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 | Cash advance | $5 | — | $5 per transaction amount for a Cash Advance outside of Australia, debited to your Account on the Transaction Date. |
| Late Payment Fee | Late payment | $30 | 2 days after due | $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… |
| Annual Fee | Periodic | No fee | Every 1 yr | — |
| International Transaction Fee | Transaction | 3.40% of transaction | — | We charge you an International Transaction Fee of 3.4%, debited to your Account on the Transaction Date. |
§ 03 — Features
Digital bankingUnlimited transactionsBalance transfersInstalment plans44 interest-free days4 additional cardsApple PayGoogle PayKogan Money Credit Cards Rewards
§ 04 — Eligibility & 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
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Kogan Money Credit Cards under the Consumer Data Right, last changed by them on 23 Apr 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.