Kogan Money Black Card
163 reviews
The worse experience. They where very hard to get a hold off, they sent me conflicting information via text and email, asked me questions that had no relevance to the application and misunderstood the application for transfer of balance and trying to upsell a credit card with interest rate. Do not waste your time or provide your details to this… Read more
organisation I had to spend an hour on the phone getting them to confirm and acknowledge the deletion of my personal information which they tried to avoid.
Would not recommend. Firstly, I question their standards or service. I had to contact them on multiple instances to check on the progress of my application. After a few rounds of supplying more informationand documentation again more waiting. The least professional "credit card" application and the most convoluted process I have dealt with. Was a complete waste of time and effort. Show details
Absolute Rubbish! I applied for a Partner card for my wife through the App maybe six times because it kept coming up with an error message. I rang… Read more
help desk and was informed yes a known technical problem since January and no you can't order any other way (no manual system in place). I was told I'd have a call back in 5 minutes (hah, still waiting). I escalated through complaints and yes still waiting. Don't waste your time and credit score rating applying, even Mickey Mouse would be able to do better than these clowns.
Follow-up · Hello Update 21/3/26. No timeframe was given to resolve, in fact it's still not sorted. My wife was away for three weeks so we left it. The Error message was this. We sent screenshots showing email address and code entered exactly (they claim be careful with lower and uppercase). Anyway we tried again then got further but a further error saying… Read more
Follow-up · Hello Update 2/4/26. We finally went through the process again and no errors and my wife's card arrived in the post.
Reviews with attachments
Very very very Bad 0 star – I applied kogan credit card, and on the Web it says pending review but I got text that it is approved.I called customer support dated 20/12/2024, 10.45am Qld time.What a crap customer service from them.I have to ask 10 times that I can't hear you properly,so much distortion.To save money these companies outsource work to third world countries… Read more
and don't care about their customers.These countries have no customer service ethics. Terrible experience.My call was dropped 2 times because I could not hear single word,and they didn't tried calling back even. Thank you Kogan.Never going buy anything from you.
Beware...Fraudulent transaction a lot – yes! you will see fraudulent transaction in your account. I complaint for it. They said OTP was provided for transaction. My phone was switched off as I was overseas. When I mentioned it, they said my number was compromised get a letter from your mobile provider that my number was compromised! Are they kidding me! please don't use this third party… Read more
credit card service. Do yourself a favor. Couple of other fraudulent transaction reviews are here beside my one. I am closing my account.
Dishonest customer service centre – I had to forfeit 28000 points because of awful customer service. Kogan online never works only way of contact is through chatting with customer care They closed my account without even redeeming points
Latest follow-ups
Totally incompetent in so many ways. While other banks resolve fraudulent credit card transaction disputes in a day or 2, Kogan takes no less than 6 weeks. In the meantime they send 2 copies of a cancelled card in the mail and keep sending email… Read more
messages indicating that they are still "investigating". Don't touch this company unless you enjoy being be treated poorly !
Follow-up · All of the stolen money was eventually reimbursed, and I received a confirmation email. A couple of weeks later, they sent another message indicating that the investigation was still in progress. I think they need to have a good hard look at their process with a view to cleaning it up.
Positive reviews
Super smooth, hassle free experience! – Approved right away through fully online process, the card was delivered in just two days. The 18 month interest free balance transfer that I applied during application, was processed automatically the next day. I also got free Kogan First membership till the time I keep the card active, which means I will hardly pay for shipping and will get all… Read more
membership benefits free of cost just by having the card.
The customer support is fully responsive through the mobile app. I didn't have to waste a single minute waiting for anyone.
Kogan is a very underrated name because there is a tendency of general public going by what others say, without trying the product themselves. I have an excellent experience with Kogan prepaid mobile also that has saved me a great deal of money on phone bills.
The underwriting bank is NAB so you know a big system is behind Kogan money and there is safety and security behind the service.
Good credit card – I have contacted customer service regarding my credit card query and I received marvellous response from Katy. That was quick and absolutely satisfactory response. Thanks Katy for your help. Show details
Wonderful Balance Transfer option – I used this card for 0% interest on a balance transfer, and to access Kogan First benefits. This has worked perfectly for me. Show details
Negative reviews
Hopeless - takes your face and licence details - then declines without even asking further details. Cannot trust them , no customer service or unable to contact them. I thought it was good card and company but should have read the reviews. . So stuff you - Commbank approved my card next day. So how does that work?? Show details
Worst customer service, totally unprofessional and mis leaded information provided. One day application was approved and next day it was declined, called several times and put through different staff/department and in the end no result......... totally nightmare Show details
Find out how Kogan Money Black Card compares to other Balance Transfer Credit Cards
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nightmare application process, had to call contact centre multiple times and was transferred numerous times. Still working through the applicatoin process but ready to give up. I would avoid this. Show details
Recent reviews
Absolutely awful experience. Applied for one of their promoted 18month (@ 0% pa) balance transfer offers as I had some sudden medical bills and though I could use my good credit score to help with some cash flow. After 7 days of opening the account (10k limit), I'd noticed transfer hadn't processed so called up (overseas call centre) only to be… Read more
told they couldn't process my transfer because it was AMEX. Nowhere in the application process was this flagged - AMEX was an available selection in the drop-down list when entering card details and transfer amount. No communication from Kogan before approving my 10k application, and no communication after either - I had to call and follow up! Tried escalating the call and got a "next-level manager" who said nothing could be done and they were deeply sorry for the inconvenience, and as a "token of goodwill" would give me a $50 credit on the account(!!). no clear reason given as to why this was not possible.
I closed my account due to a home loan. I tried redeeming my $300 credit before closure, but both the credit and points disappeared. When I called, I was told nothing could be done. Very disappointing.
This review is just about the application. I have tried to apply 3-4 times and the application process is so hard and site often crashes. It just doesn’t work. I called Kogan few weeks ago and advised that their application process has so many bugs but looks like they haven’t done anything. This is so frustrating, going through the steps of applying over and over again. Show details
Hope, I can give them zero, very poor customer services, 1) their app. is cr^p and keep failing, I couldn't open my app. and not even online banking, and after few weeks, when I was able to access the account, they charge me $30, it is not my fault that your app. crashes. 2) a fraud transaction took place from Saudi, I called and cancelled my… Read more
card, a new card arrived, but now my application is not working again, and my account is locked, I have called them 4 times, call picked up in Philippine, they put me on hold for hours and disconnect. I am writing a formal complaint to AFCA with all the proof, and I don't recommend these fraudsters at all.
I've had this credit card since 2019, so I know what I'm talking about. Unfortunately I'm at my limit and have been let down one too many times. The main issue is failures with the auto pay, which have happened three times now, each incurring interest and a $10 fee when it was a fault of the app, not me. In addition the customer support is so… Read more
unbelievably abysmal, Indian call centre with a 3 second phone delay and terrible interference, so its impossible to have a conversation. The only benefit was the kogan store points, but you end up spending them on useless crap that you never needed to begin with.
I apply and they send the card to me for twice but i never received the card . Then i call to cancel and then the cancellation letter was received in a few days. I suspect they get my personal info for illegal used Show details
Since system 'upgrade' absolutely nothing has worked. My card kept getting declined online with no explanation; as it was about to expire, a new one was supposed to be on the way. While waiting (and getting regularly declined, including at coles online) someone obtained my details and went on a spending spree. They were able to successfully order… Read more
over $400 from coles online, even though they should have needed an OTP sent to my phone number. The new system also removed text notifications for purchases over $100, so the fraud took longer to detect. Card was then cancelled and a new one posted. Mysteriously, the new card arrived on the same day as the original replacement card sent weeks earlier. New card then doesn't appear in my account so cannot be activated. No timeline for this to be fixed. Fraud investigation still ongoing. Additional cardholder still having online payments randomly declined. Absolutely useless, avoid at all costs.
I have been using this credit card since original supplier was Citi. Didn't have any technical issues until realised can pay to some suppliers via Bpay. Raised it bit never resolved eventhough I followed up alot. NAB acquired citi credit card business and I didn't have any issue since recently which my card expired and needed replacement card.… Read more
Didn't receive my replacement cards, Raised that to customer service. They blocked cards which was already sent and sent me pair of new cards. Upon arrival wasn't able to activate new cards snd still can't. I have case number and follow it up every day. Still no outcome. Customer service says technical issue but no estimated date for resolution. Some of my direct debits already declined and have to pay rejection fee. Requested to close my account but they told me I will loos my credit card points by closure. Will close this account after resolution and redeeming my point. Stay away from them.
Find out how Kogan Money Black Card compares to other Balance Transfer Credit Cards
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DODGY AT BEST!! – Lured in by the balance transfer option, got approved for a $20k credit limit but no mention of 0% balance transfer. After trying to activate I never received the One Time Pin despite trying several times...emailed them about confirmation of the balance transfer.amount but no response. After stumbling upon all your helpful and mostly negative… Read more
reviews I won't be activating the card at all, just cutting it up. The fact all aspects of this card seem extremely difficult and no response from Kogan to anyone makes it very suspicious!! Footnote - I did eventually receive a response from Kogan urging me to activate the card "and then I can reapply for a balance transfer". My return email stating I wouldn't be activating the card came back to me stating their email system "is refusing connections and from my email server"...Avoid dealings at all costs.
WORTHLESS CARD – Truly useless app and customer service - that makes any other benefits the actual card might have worthless. The app will confuse and puzzle you, product endless 'try again' messages if you lose the black magic connection between app and credit card, and the website is even worse. Get this card and join the list of complainers below - all thinking "I told you so." Don't be a clown in their circus!
Save your money and mental health - go somewhere else – Firstly, just don't get a credit card with Kogan. I ended up paying back alot more than I should have on a no interest free card (apparently). They hide alot of information on their app. Its clear misrepresentaton and misinformation on your balances and you constantly need to monitor what they are charging. I found a bunch of dishonor fees on mine… Read more
time and time again even though I made regular and intime payments so watch for that. A SCAM!! And when I made my final payment to a zero balance suddenly I had a hidden amount i needed to pay that was not available on the app - why - yeah I asked the same thing. While on review of this I found that I did infact owe it, they could not tell me why they hid this information and why. So when I paid it off according to their app I was in CREDIT of money. When I went to close my account with them though they said I still owed them?! How is this even legal. I eventually got my account closed ( i think) but I don't trust them enough so waiting for the closure letter to confirm this. Sometimes going with these lesser known lines of credit just is not worth it. Also all their customer services in online and via a chatbot. Gross, I will never ever use this company again. Even turned off their products. Totally scamming company.
Exasperating and disappointing – Exasperating. The card is fine but the app on the phone is impossible to use after you check the balance etc...on anther device. On the phone you are then asked to re-pair your username and create a new password. All much easier said than done. Once you have managed to do this the app works until you check on your other device then it all starts… Read more
again. And it takes a lot of effort and time to get the new password registered. Takes too long to explain but please be aware that the app on the phone may not be of much use to you for checking balances etc...Otherwise the actual card seems to be Okay for making payments.
Truly poor integration with credit card and website – Have had a very poor experience with linking card to the Kogan website. Spent hours being shunted between the mobile credit card app and the website customer team. Cannot link the card to access rewards. they are absolutely no help. I wanted to make a fairly large purchase. They were no help so I bought from Bunnings instead. Do not recommend. Show details
Bad experience – I was denied a Kogan Credit Card with zero explanation. In terms of credit risk I would be almost zero as any real appraisal of my finances would reveal I always pay my debts in a timely manner. I can only presume I did not satisfy some rule made up by someone sitting at a desk somewhere! Show details
Bad Customer Service – **Review of Kogan Credit Card Experience** I recently applied for a Kogan credit card, lured in by the promise of attractive rewards points and the benefits of shopping with Kogan products. Initially, I was optimistic about my decision, particularly after making my first purchase—a Kogan Mobile Prepaid subscription for 12 months at a reasonable… Read more
$120. I also signed up for The First Member Program, hoping to maximize my experience.
However, my enthusiasm quickly turned to frustration. I encountered significant issues trying to contact Kogan's customer support. The phone support was particularly disappointing; after waiting 20 minutes to connect, I spoke to an overseas representative who struggled to assist me. Communication was challenging, and I felt lost in the process.
While waiting on hold, I began reading reviews about Kogan and realized I wasn’t alone in my struggles. Unfortunately, I had already committed to spending approximately $130 on the First Membership, which now felt like a regrettable investment. The negative feedback I encountered made me doubt the reliability of Kogan’s services.
Ultimately, after all the hassle and disappointing customer service experience, I decided against activating my credit card or making any further purchases from Kogan. It’s unfortunate that my experience turned out this way, as I had high hopes for the card and the rewards program. In hindsight, I wish I had done more research before diving in. For anyone considering the Kogan credit card, I recommend exercising caution and weighing the potential pitfalls before making a commitment.
The worst service – This card is great accept for the lack of contact for help with any issues no one answers your questions they have no contact number when the app doesn’t work it’s the worst company for service i would highly not recommend kogan to anyone Show details
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1month later and issue not resolved yet. Complaint department got involved but no progress.