Kogan Money Credit Cards

Updated 3 December 2019

If you’re a fan of online retailer Kogan.com, you’ll be happy to know Kogan Money has now added a credit card to its growing list of financial products. As you’d expect from a company that sells itself on low prices, this is a credit card that works to keep costs down, with no annual fee to pay. But that’s not all, the card also offers cardholders the opportunity to earn points within Kogan’s own rewards program, with a few nice extras on the side. So, what do you need to know about Kogan and its credit card before you apply?

Kogan Money Black Credit Card

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Kogan Money

Who is Kogan?

Founded in 2006 and listed on the Australian Stock Exchange in 2016, Kogan Australia Pty Ltd. is the Australian retail and services company better known as Kogan.com – or more correctly as Kogan.com.au.

While it may be known as an online retailer, Kogan.com offers a number of other services. These include Kogan Internet, Kogan Mobile, Kogan Travel, Kogan Cars, Kogan Energy, and Kogan Insurance, which offers a wide range of insurance products, such as car insurance, home insurance, travel insurance and health insurance.

What is Kogan Money?

Kogan Money is Kogan’s financial services division. Kogan Money offers a number of products, including superannuation, home loans, and of course, the company’s credit card.

What credit cards does Kogan Money offer?

Kogan Money launched its first credit card – the Kogan Money Black Card – in October 2019. At the moment, this is the only credit card Kogan Money offers, but in the future, the company may choose to add to its ranks.

The Kogan Money Black Card is a rewards card with no annual fee. It allows cardholders to earn points on Kogan’s own rewards program, which can then be redeemed on purchases made at Kogan.com, or against eligible bills with Kogan Internet or Kogan Mobile.

While it may be a no annual fee card, the Kogan Money Black Card offers a few nice extras, most important of which is complimentary membership to Kogan First.

Working in a similar way to Amazon Prime, Kogan First is a loyalty scheme, providing members privileges when they shop at Kogan.com. These privileges include free shipping and upgraded shipping on eligible purchases, plus priority customer service and exclusive member-only special offers.

Which bank issues Kogan credit cards?

Using a setup commonly utilised by non-bank card providers, Kogan markets the Kogan Money Black Card, while Citi issues it. That means, while it may have Kogan’s name on the card, Citi provides the system infrastructure, servicing, back-office processing, regulatory and compliance oversight, as well as the branded digital platforms.

It’s also worth mentioning that this is a Visa card, so it comes with all the basic Visa features as standard. Cardholders can benefit from features such as Visa payWave on purchases under $100, and security basics, Fraudshield and Visa Zero Liability.

How does the Kogan Rewards program work?

While credit card rewards programs can be somewhat baffling, Kogan keeps its rewards pretty simple. Using the card, you earn a certain number of points on each purchase, which are shaped according to the type of purchase being made.

The points you earn accumulate in your Kogan account, which you can then redeem on purchases made at Kogan.com, or against your bill with Kogan Mobile or Kogan Internet.

Why choose a Kogan Money credit card?

  • You want to earn rewards: Whether you are a regular Kogan.com shopper or not, you can earn points day-to-day using your card, to then redeem them against something you want to buy – or to cover your Kogan Internet or Kogan Mobile bill.
  • You want to make use of its features: If you like shopping at Kogan.com, you could enjoy great value from the card’s complimentary Kogan First membership. Saving you $99 per year, this membership offers free and upgraded shipping, plus deals and priority customer service.
  • You want to take advantage of its intro offers: While its intro offers may change over time, they could give you a nice boost, whether that’s with a balance transfer offer or credit to spend at Kogan.com.
  • You want to save money: It’s unusual to see a rewards card with no annual fee, however, the Kogan Money Black Card has no annual fee for the life of the card. That means you can essentially earn rewards for free (as long as you avoid other fees and always clear your balance).
  • You always pay your balance in full: Like most rewards cards, the Kogan Money Black Card has a relatively high purchase rate, meaning it really only suits cardholders who clear their balance every month.
  • You meet the eligibility requirements: You are an Australian resident, aged 18 or over, with an annual income of at least $35,000.

Want to find out more about the Kogan Money Black Card? Check out the Kogan Money Black Card page now to find all the essential info you need before you apply.

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