Kogan Money Black Credit Card Score $300 Kogan Credit No Annual Fee and Up to 2 Points per $1 Spent
Kogan Money Black Credit Card delivers $300 Kogan.com credit, no annual fee and up to 2 points per $1 spent for savvy Aussie online shoppers
Overview of the Kogan Money Black Credit Card
The Kogan Money Black Credit Card is built for savvy Aussie online shoppers who want solid rewards without a yearly fee. New cardholders get a $300 Kogan.com credit and unlimited points on everyday spends, making it attractive for frequent Kogan.com buyers.
With up to 2 points per $1 spent and each point worth $0.01 when redeemed at Kogan.com, the card turns routine purchases into real value. The package also includes a complimentary Kogan First membership for faster freight and early access to sales.
Rewards, Redemption and Perks
You earn up to 2 points per $1 spent across eligible purchases, stacking value on groceries, petrol and online buys. Points are straightforward: 1,000 points convert to $10 at Kogan.com, so the math is easy for planning redemptions.
Other perks include zero annual fee and promotional 0% p.a. on balance transfers for six months, which can help manage debt between cards. The free Kogan First adds value through free shipping on thousands of items—useful for frequent Kogan shoppers across Australia.
Fees, Rates and Important Conditions
Although there’s no annual fee, the Kogan Money Black Credit Card carries a higher ongoing purchase rate after any introductory period, so paying your monthly statement on time is key. Overseas transactions incur a 3.4% fee, so plan ahead for travel or international online purchases.
Balance transfer offers provide breathing space with 0% p.a. for six months, but watch for any transfer fees and the revert rate once the promo ends. Missing repayments can negate rewards and attract penalty interest, so treat the card like any other credit facility.
Who Should Apply and How to Maximise Value
The card suits Aussies who shop regularly at Kogan.com or value a no-annual-fee rewards card with straightforward redemptions. If you buy tech, homewares or seasonal goods online, the $300 Kogan credit and points earning can cover a meaningful chunk of purchases.
To maximise value, use the card for planned online buys, clear the balance monthly to avoid interest, and redeem points during sales for extra savings. Apply online via Kogan Money and check eligibility criteria like residency and income to speed approval.
Overall, the Kogan Money Black Credit Card balances generous Kogan.com credit, practical points earning and a no-annual-fee structure tailored to Australian online shoppers. Compare rates, read the product disclosure statement and apply only if the card fits your spending habits and repayment discipline.