Kogan Money Credit Cards
Kogan Money Black Credit Card
Kogan Money Credit Cards · cred and chrg cards
Provider last updated this product 2026-04-23.
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.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| PURCHASE | 21.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Retail purchase rate | |||||||
| CASH ADVANCE | 22.74% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Cash advance rate | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Annual Fee | PERIODIC | $0 | - |
| Domestic Cash Advance Fee | CASH_ADVANCE | 3.50% | $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. |
| International Transaction Fee | TRANSACTION | 3.40% | We charge you an International Transaction Fee of 3.4%, debited to your Account on the Transaction Date. |
| Late Payment Fee | LATE_PAYMENT | $30 | $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 |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 21.99% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- min age - 18
- residency status - Must be an Australian resident
- natural person
- min income - 35000.00
- otherHave an Australian mobile number
- otherHave a valid email address
Limits
- max limit - 30000.00
- min limit - 6000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-04-23T00:12:00Z · Product ID: 229ba4a9-71f0-4339-b447-e00a6b524b90