0% p.a. on Balance Transfers for 18 Months x 2% Balance Transfer fee applies. Reverts to Cash Advance rate at the end of the Balance Transfer Term x . Complimentary membership Enjoy free shipping on 1000’s of products, express shipping upgrades, and exclusive specials at Kogan.com & Dick Smith‡ Real value rewards Earn rewards points on your eligible spend at Kogan.com and everyday purchases #~ Why choose the Kogan Money Credit Card? 0% p.a. for 18 months on Balance Transfers 2% Balance Transfer fee applies. Reverts to Cash Advance rate at the end of the Balance Transfer Term. x Uncapped rewards Complimentary Membership Enjoy free shipping on 1000’s of products, express shipping upgrades, and exclusive specials at Kogan.com & Dick Smith ‡ Plus, get $100 off your first Kogan Energy bill with your FIRST membership. Compare your bill today! T&Cs apply. ⁑ Shop with Points Redeem your Rewards Points for eligible purchases via your Kogan.com account using Shop with Points at checkout. ~ Pay with Points Buy now, pay later at Kogan.com Enjoy up to 24 months to pay off eligible Kogan.com purchases with a Kogan Money Credit Card.◇ An interest rate of 6.99% p.a. applies. Learn more. Award winning credit card Fast Payments with Apple Pay Pay for whatever, whenever with Google Pay Google Pay is the fast, simple way to pay on sites, in apps, and in stores using the Kogan Money Credit Card saved on your Google Account ◊ Add up to 4 additional cardholders at no cost All eligible spend by additional cardholders contributes to your rewards!# Applying only takes minutes! Mobile Wallets – Pay anywhere, anytime! Mobile Wallets is the fast, simple and secure way to pay on sites, in apps and in stores using your Kogan Money Credit Card.

Spend & earn with uncapped points potential. Per $1 of eligible spend on everyday purchases # Per $1 of eligible spend on Kogan.com # Redeem your points for eligible purchases at Kogan.com using Shop with Points! ~ Plus, save on your bills using Pay with Points option to pay for your Kogan Essential bills. § Eligibility criteria Be 18 years or older and an Australian resident for tax purposes Have an Australian mobile number and a valid email address Minimum income of $35,000 Minimum credit limit of $6,000 Have a good credit rating Rates, Annual Fees & Limits Uncapped rewards points Earn up to 2 rewards points per dollar. # 2 Rewards Points per $1 spent on eligible purchases made at Kogan.com. 1 Rewards Point per $1 spent on eligible purchases everywhere else. You can redeem your points in one of two ways. Redeem your Rewards Points for eligible purchases at Kogan.com by linking your Kogan Money Credit Card for “Shop with Points” via your Kogan.com account. ~ Redeem your reward points to receive credits to your account for Kogan Essentials transactions (including Kogan Mobile, Kogan Internet, Kogan Energy, and more) on your Kogan Money Credit Card. Simply use “Pay with Points” by logging into your credit card account via the Kogan Money Credit Cards Mobile App and Online. § Uncapped rewards points Earn up to 2 rewards points per dollar. # 2 Rewards Points per $1 spent on eligible purchases made at Kogan.com. 1 Rewards Point per $1 spent on eligible purchases everywhere else. You can redeem your points in one of two ways. Redeem your Rewards Points for eligible purchases at Kogan.com by linking your Kogan Money Credit Card for “Shop with Points” via your Kogan.com account. ~ Redeem your reward points to receive credits to your account for Kogan Essentials transactions (including Kogan Mobile, Kogan Internet, Kogan Energy, and more) on your Kogan Money Credit Card. Simply use “Pay with Points” by logging into your credit card account via the Kogan Money Credit Cards Mobile App and Online. § Annual fee $0 Retail purchase rate 9.99% p.a. for 18 months. x Reverts to variable retail purchase rate, currently 20.99% p.a. Cash advance rate 21.74% p.a. Minimum credit limit $6,000 Additional cardholder annual fee $0 Interest free days on retail purchases (unless you have a balance transfer) Up to 55 Δ Balance transfer rate at end of offer period Reverts to cash advance rate Minimum income required $35,000 Domestic Cash Advance Fee $5 per transaction amount or 3.5% of the transaction amount, whichever is higher, for a Cash Advance inside Australia, debited to your Account on the date the Cash Advance takes place. International Cash Advance Fee $5 per transaction amount for a Cash Advance outside of Australia, debited to your Account on the date the Cash Advance takes place. International Transaction Fee We charge you an International Transaction Fee of 3.4% of the transaction amount, debited to your Account on the date the relevant Retail Purchase or Cash Advance takes place, of which a service and assessment fee of 1% is payable by us to Visa, for any Retail Purchase or Cash Advance transaction in: foreign currency once converted to Australian dollars; and/or Australian dollars (or any other currency), when either the merchant or its financial institution/payment processor is located or registered overseas, including transactions that involve dynamic currency conversion (that is where a transaction denominated in a foreign currency is converted to local currency which is a service that is offered by certain ATMs and merchants). The process of conversion and the exchange rates applied will be determined by the relevant ATM, merchant or dynamic currency conversion service provider as the case may be. We do not determine whether a Card transaction will be converted into local currency by the merchant or ATM and you may have to check with the relevant merchant or ATM provider. Note: It may also not always be clear that the merchant or its financial institution/payment processor is located or registered overseas. Late Payment Fee $30 debited to your Account after the Payment Due Date if at the time the fee is debited, your Account has an Overdue Amount and the balance of your Account is $50 or more. foreign currency once converted to Australian dollars; and/or Australian dollars (or any other currency), when either the merchant or its financial institution/payment processor is located or registered overseas, including transactions that involve dynamic currency conversion (that is where a transaction denominated in a foreign currency is converted to local currency which is a service that is offered by certain ATMs and merchants). The process of conversion and the exchange rates applied will be determined by the relevant ATM, merchant or dynamic currency conversion service provider as the case may be. We do not determine whether a Card transaction will be converted into local currency by the merchant or ATM and you may have to check with the relevant merchant or ATM provider. To obtain a copy of the Target Market Determination (TMD) related to this product click here . Fees, charges, interest rates and earn rates (if applicable) are subject to change. If we make changes, these will be communicated in accordance with our terms & conditions. All applications are subject to credit criteria. Fees, charges and Terms and Conditions apply. See the full Terms and Conditions related to this product at koganmoney.com.au/credit-cards/important-information. This offer is for new Kogan Money Credit Card customers only and cannot be used in conjunction with any other promotions or offers. If you have previously held a Kogan Money Credit Card, you will not be eligible for this offer. This offer commenced 13 March 2026. We reserve the right to withdraw or change the offer at any time without notice. This information is correct at 13 March 2026. Any interest rates shown are variable. Kogan Money Credit Cards are issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). Our/us/we/Kogan Money Credit Cards Team means NAB unless the context otherwise requires it. x Your total Balance Transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer for a period of 18 months. The balance transfer fee is 2% of the balance transferred and will be debited to your account on the day or the day after your balance transfer is processed. At the end of the Balance Transfer Term, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 22.74% p.a. on the Kogan Money Credit Card. Interest rates are variable and subject to change. The interest rates are current as at 13 March 2026. This offer commenced 13 March 2026. Rewards Points are not issued on Balance Transfers. This offer is for new Kogan Money Credit Cards Cardholders only and: we may withdraw or change the offer at any time without prior notice, at our discretion; is non-transferrable; can’t be used in conjunction with any other promotions or offers. For important information to consider before taking up a Balance Transfer, please refer to our Balance Transfer FAQs at koganmoney.com.au/credit-cards/FAQs . We can’t process balance transfers from certain issuers – see our indicative list. # You can earn 2 Rewards Points per whole Australian dollar spent on eligible purchases at Kogan.com. Only purchases made at Kogan.com will be eligible to earn 2 Rewards Points for each Australian Dollar spent. This does not include purchases for Kogan Essentials products and services (e.g. Kogan Mobile, Kogan Internet or Kogan Energy) or purchases made at other Kogan owned websites such as Matt Blatt or Dick Smith. All other eligible purchases earn 1 Rewards Point per whole Australian dollar. Rewards Points are earned for eligible purchases (“Eligible Transactions”) only. Earn rates are subject to change. See Kogan Money Credit Cards Rewards Terms and Conditions, available at www.koganmoney.com.au/credit-cards/important-information for full details and definitions. ‡ Your complimentary FIRST membership is linked to the Primary Cardholder’s Kogan.com account. As the Primary Cardholder, your Kogan.com account will be set up upon approval of your application (if you don’t already have one). You will receive an email requesting that you activate your Kogan.com account and agree to the Kogan.com Terms and Conditions and Privacy Policy. You can then register for Card Rewards (which will allow you to access your FIRST membership benefits, use your Card Rewards Points towards eligible purchases at Kogan.com. To register for Card Rewards, you will need to agree to the Shop with Card Reward Points terms and conditions. You may only enrol one credit card at any time with Shop with Points. To then register for FIRST Membership, you will need to agree to the Kogan First Terms and Conditions. You will need to register for FIRST Membership within 40 days after your Kogan Money Credit Card is approved. Additional Cardholders are not eligible for complimentary FIRST Membership. FIRST Membership is administered by Kogan Australia Pty Ltd, and the complimentary FIRST membership benefit may be withdrawn or changed at any time. Note that free shipping, express shipping upgrades and exclusive specials are not available on all products on Kogan.com or Dick Smith. For further information on FIRST membership click here . ^ Terms and conditions apply to the use of Apple Pay. Apple Pay is available on compatible Apple devices. Apple, the Apple logo, Apple Pay, Touch ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. ◊ Google, Android, Google Pay, Google Play and Google Wallet are trademarks of Google LLC. ~ You are required to be a Kogan.com Account Holder and register your Card for “Shop with Points” with your Kogan.com account to be eligible to redeem using Shop with Points at Kogan.com. Once you have registered your Card, Shop with Points will appear as a payment option for selected products at Kogan.com. If you make a partial Rewards Points redemption, the remaining balance will be charged to your chosen payment option by Kogan.com. You do not earn Rewards Points on the portion of your redemptions made with your Rewards Points at Kogan.com. You may only enrol one credit card at any time with Shop with Points. Additional Cardholders are not eligible to redeem Rewards Points for Shop with Points. 1 Rewards Point equates to $0.01 for Shop with Points. Rewards Point value is accurate as of 13 March 2026 but is subject to change. Kogan.com accounts and items purchased using Shop with Points are subject to the Kogan.com Terms and Conditions and Returns Policy Shop with Points is subject to the Terms and Conditions for Shop with Points at Kogan.com and the Kogan Money Credit Card Rewards Terms and Conditions. § You may use your Rewards Points to pay for certain selected transactions that we present to you via Online Servicing, or any other method we make available to you. Only selected transactions that you have made, and that we present to you, can be redeemed using Pay with Points. You must follow the instructions where you are provided with the option to pay for a selected transaction with your Rewards Points. We will process that credit to your Account within 5 Business Days. Additional Cardholders are not eligible to redeem Rewards Points for Pay with Points. 1 Reward Point equates to $0.01 for Pay with Points. Rewards Point value is accurate as of 13 March 2026 but is subject to change. Please refer to the Kogan Money Credit Cards Rewards Terms and Conditions for more information. 1 Instalment Plan offers are subject to eligibility criteria and only available when your Account is and remains in good standing (for example your Account is not in default, suspended, or closed). The general terms for Instalment Plans are included in your Kogan Money Credit Cards Terms and Conditions and Other Important Information under the heading “Instalment Plans, Balance Transfers and Special Promotions”. You are required to be a Kogan.com Account Holder, be the primary cardholder of a Kogan Money Credit Card (‘eligible card’), link your eligible card with Kogan.com and agree to the monthly instalment, Instalment Plan term, interest rate and any applicable Instalment Fee, before you are able to pay for eligible purchases using an Instalment Plan at Kogan.com. Minimum spend of $50 applies. Instalment Plan offers are not available on purchases of Kogan.com eGift cards or in conjunction with any other promotional Retail Purchase Annual Percentage Rate offer on an eligible card. Instalment Plan offers will display for eligible purchases at the Kogan.com checkout. Eligible purchases that are also an “Eligible Transaction” as defined in the Kogan Money Credit Cards Rewards Terms and Conditions will earn Rewards Points. You may only link one credit card to your Kogan.com account at any time. By linking your eligible card at Kogan.com, you also agree to the Terms and Conditions for Shop with Points at Kogan.com and to save your card details to your Kogan.com account. Any information submitted via Kogan.com is held in accordance with the Kogan Australia Pty Ltd (Kogan) privacy policy. You may unlink your card at anytime. Your Instalment Plan uses part of your existing Credit Limit on your eligible card. Your Instalment Plan will be shown on your monthly credit card statement in the ‘Instalment Plan Summary’ section in the ‘Your Balance and Interest Breakdown’ section of the statement. The Initial Interest Charge or Instalment Fee (whichever is applicable) will be charged on the first statement after the Instalment Plan is set up and will be included in the Minimum Payment Due. Your monthly instalment will be included in the Minimum Payment Due on each subsequent statement until your Instalment Plan is repaid. As you pay off your Instalment Plan, the amount you pay off will become available for you to use again as part of your Credit Limit and will incur interest at the standard Annual Percentage Rates applicable to your Account. If you don’t pay an instalment amount by the due date, you’ll be charged interest on the Overdue Instalment Amount at the Retail Purchase Annual Percentage Rate. The interest charged will be added to the Minimum Payment Due on your next statement. The Kogan Money Credit Cards Terms and Conditions explain the meaning of Overdue Instalment Amount and how interest is calculated and charged on this amount. We may also cancel the Instalment Plan if you are overdue, in which case, any outstanding balance of the plan will revert to the Retail Purchase Annual Percentage Rate. We will tell you if an Instalment Plan amount is overdue before we cancel the Instalment Plan. Δ The Interest Free Period applies to Retail Purchases when you pay the Interest Free Days Payment in full by the Payment Due Date. ⁑ Terms and conditions apply . Powershop Australia Pty Ltd (“Kogan Energy”) is the retailer providing energy under the name Kogan Energy. Kogan Energy is only available to residential electricity customers in South East Queensland and South Australia and to residential electricity and gas customers in New South Wales and Victoria.