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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.
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.
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.
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.
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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