Our latest offer! Earn $400 Kogan.com credit When you spend $3,000 on eligible purchases in 90 days from approval † 0% p.a. on Balance Transfers for 6 Months x No Balance Transfer Fee applies. Reverts to Cash Advance rate at the end of the Balance Transfer Term x . Enjoy no annual fee on your Kogan Money Credit Cards account. Spend at Kogan.com & elsewhere Use your Kogan Money Credit Card for your everyday spend. Earn Rewards Points on all Eligible Transactions. # Why choose the Kogan Money Credit Card? $400 Kogan.com Credit When you spend $3,000 on eligible purchases in 90 days from Card approval † 0% p.a. for 6 months on Balance Transfers No Balance Transfer Fee applies. Reverts to Cash Advance rate at the end of the Balance Transfer Term. x A no annual fee rewards credit card Uncapped rewards Earn 2 Rewards Points per dollar spent on your eligible purchases at Kogan.com and 1 Rewards Point on your eligible everyday purchases. # Shop with Points Redeem your Rewards Points for eligible purchases via your Kogan.com account using Shop with Points at checkout. ~ Pay with Points 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. ⁑ 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 no annual fee credit card The Kogan Money Credit Card has been judged the best in its field by Finder.com.au , and is the 2025 & 2026 winner of Finder’s Best No Annual Fee Credit Card and Best No Annual Fee Rewards Credit Card for 2025 & 2026. Learn more from Finder . Add up to 4 additional cardholders at no cost 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. What are my points worth? 1000 Points = $10 Kogan.com credit! ~ 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. § 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. § For more information about Kogan Money Credit Card Rewards, visit koganmoney.com.au/rewards . 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 21.99% p.a. Cash advance rate 22.74% p.a. Minimum credit limit $6,000 Maximum credit limit $30,000 Additional cardholder annual fee $0 Interest free days on Retail Purchases Up to 44 days 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. 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 To obtain a copy of the Target Market Determination (TMD) related to this product click here .