Kogan Money Credit Card 18-Month 0% Balance Transfer, No Annual Fee and Kogan Rewards in Australia
Kogan Money Credit Card makes clearing debt easier with an 18-month 0% balance transfer, $0 annual fee and Kogan reward points for Aussie shoppers
Why the Kogan Money Credit Card stands out in Australia
The Kogan Money Credit Card is a smart pick for Aussies wanting to tackle existing debt while still earning rewards on everyday buys. With a headline 18-month 0% balance transfer and $0 annual fee, this card is built for people who want to save on interest and keep costs low.
Local shoppers recognise Kogan.com, and pairing the card’s perks with Kogan rewards makes sense for regular online buyers. The card’s combination of a lengthy promotional rate and no annual fee gives clear value compared with many rivals in the Australian market.
Balance transfer features and upfront costs
The standout is the 18-month 0% balance transfer offer, which lets you move high-interest credit card debt or personal loan balances and avoid interest during that window. There’s a small balance transfer fee (typically a low percentage), so you should weigh the fee against the interest you’d save over 18 months.
It’s straightforward for most Australians to apply and move debt from other banks; the Kogan Money Credit Card supports transfers from various lenders. Make a repayment plan from day one so you clear the transferred balance before the promo ends and fully benefit from the 0% period.
Kogan rewards, Kogan First and everyday value
Beyond balance transfers, the Kogan Money Credit Card earns Kogan rewards on eligible purchases that you can redeem at Kogan.com. Points convert to dollars when you Pay with Points, which is handy for frequent Kogan shoppers aiming to stretch their budget on gadgets, homewares and essentials.
Cardholders may also receive complimentary Kogan First perks, such as free shipping deals and early access sales — a real plus if you shop on Kogan regularly. Using the card for planned purchases can accelerate rewards while keeping the core goal of debt reduction in focus.
Watch the rates and use the card strategically
Remember that once the 18-month 0% balance transfer period ends, the variable rate on outstanding balances will be much higher, so it’s vital to clear the transferred amount within the promo. New purchases may not enjoy interest-free days if you carry a balance, which is common on balance transfer products, so be cautious with additional spending.
Set calendar reminders, budget a repayment schedule and avoid treating the card like extra credit — the Kogan Money Credit Card is best used to consolidate and clear debt, then switch to everyday reward usage once balances are repaid. With disciplined use, the 18-month 0% balance transfer and no annual fee can save you serious dollars while you enjoy Kogan rewards.