Kogan Money Black Card

Kogan Money Black Card

Kogan Money Black Card

133 reviews

32% · 4388 · 66%

Customer Service
Rates and Fees
Online Experience
Application Process
Earn $400 Kogan.com Credit when you spend $1,500 on eligible purchases in the first 90 days from card approval
No Annual Fee
0% p.a. for 12 months on Balance Transfers
Complimentary Kogan First Membership
3.4% International Transaction Fee
Reward points can only be redeemed for eligible purchases on Kogan.com, Kogan Mobile or Kogan Internet
Brand Manager for Kogan Money? Claim your listing.


CategoryNo Annual Fee Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards
Card TypeVisa
Minimum Credit Limit $6,000
Minimum Income $35,000
Additional Cardholders 4
Additional Cardholder Fee $0 p.a.
Minimum Repayments2%
Rewards ProgramKogan
Points Earn Rate 2 points per $1
Points Conditions
  • 2 rewards points per $1 of eligible spend on Kogan exclusive brand purchases.
  • 1 rewards point per $1 of eligible spend on Kogan.com non-exclusive brands.
  • 1 rewards point per $1 of eligible spend outside Kogan.com.

There is no cap on points earn rate.

Rates & Fees
Purchase Rate20.99% p.a.
Cash Advance Fee3.5%
Late Payment Fee$30
Annual Fee$0 p.a.
Foreign Transaction Fee 3.4%
Overseas ATM Withdrawal Fee$5
Interest Free Period 55 days
Cash Advance Rate21.74% p.a.
Introductory Offers
Sign-Up Bonus

Earn $300 Kogan.com Credit when you spend $1,500 on eligible purchases in the first 90 days.

Introductory Offers

0% p.a. for 12 months on balance transfers

Balance Transfer Rates
Balance Transfer Period 12 months
Balance Transfer Rate 0% p.a.
Balance Transfer Fee 0%
Release date
Visit official website

Contact info for Kogan Money Black Card


133 reviews
WestyGardener3 posts

reward points are a scam

Kogan points are useless. I have been back and forth with Kogan support for a few days. it wont let me purchase a single item on kogan.com with my reward points. They told me I can only purchase items with a tile for reward points purchase. the only problem is there isn't a single item I have seen on the site with this tile. What a scam. Show details
Raelene B.
Raelene B.Greater Melbourne (Outer), VIC3 posts

Does this card even exist!!!

Started my application on the 12th of March. Have submitted back to the them when requested, the same day, additional documents (twice). Still absolutely nothing 2 April. do not recommend them at all Show details
ChrisMetropolitan Adelaide, SA4 posts

Blocked account due to $1 owing & $30 fees!

I have been a customer for 4 years and have never once been late with my repayments, however my last month's repayment was $1 short (which was an oversight). I was hounded by phone calls from Kogan that never left a message. I spoke to 2 different people today (both very hard to understand and had no empathy or compassion). I explained hat it was an oversight buy they have charged me $30 overdue charge! I tried to login to pay this and after contacting them was advised my account is now blocked because of the $1 overdue! I still have over $5000 credit on the card. I will never use this company again. Disgusting customer service. Show details
Application Process
MattGreater Melbourne (Metropolitan), VIC6 posts

Avoid, Avoid and Avoid

Avoid Avoid and Avoid - On paper it looks great, but in reality dealing with Kogan has been an absolute nightmare. You will face issues that in no where you can experience them. As an example. I paid online. Then on my statement I found a charge for cash in advance. I checked with the supplier and they mentioned there should be no charge and they are going to absorb all the costs. But Kogan says no matter what they are saying, we are still charging you for cash in advance!!!!
If there is Zero star or minus infinity I would gave them the rate. Show details
N. Aghaie
N. AghaieSydney, NSW8 posts

Thief and Untrustworthy

i was promisssed $400 Kogan credit when i first applied Nov 2023, and after spending over $4000 in only 1 month and being eligible to receive that credit, then they keep asking to wait 4-6 weeks, 6-8weeks, 8-10weeks and here i am after 4 months, and now they totally denying and rejecting and saying there was no such offer at the time! SO MAKE SURE TO TAKE SCREENSHOT OF WHAT EVER CRAP THEY PROMISSING YOU! cuz they won't pay single penny back! Show details
Mark Davey
Mark DaveyGreater Melbourne (Metropolitan), VIC5 posts

Very poor service

I applied for additional cardholders on card. We forwarded requested info and were then sent out a form from to take to post office that had wrong details on and post office said they can’t amend as no access to Kogan database. We contacted Kogan again sent them all of the info again then they sent out the same post office form with wrong info on. Called them again and they had no answers. It was too hard. Thanks for nothing Kogan Show details
H D.
H D.Greater Melbourne (Outer), VIC4 posts
Rates and Fees
Nishant M.
Nishant M.Sydney, NSW2 posts
Rates and Fees
Online Experience
DalejVictoria3 posts

Absolute garbage

Cannot log in ever. No way to log into statements
I am living overseas for work for a while with no access to Aussie phone number. Cant use the app on my UK phone.
Can't speak to anyone at Kogan.
Have no idea what I owe. No Idea how many points I have.
How can all major aussie and overseas banks send you statements or have apps that work on any google account but Kogan think they're superior. Worst customer service known to man. Avoid at all costs. I'm dying to close my account. Show details
Rates and Fees
Benjamin B.
Benjamin B.Sydney, NSW

Absolutely a joke

Absolute scam and harassment. Reported to the ACCC in Australia. Show details
Application Process
Gurpreet Kaur
Gurpreet KaurGreater Melbourne (Metropolitan), VIC

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
Liz Beth
Liz BethSouth East Queensland, QLD5 posts

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

Great versatile 0 fee card

I rely on the customer service chat to sort out most queries. Thanks Kogan Show details
Rah Chow
Rah Chow

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 credit card service. Do yourself a favor. Couple of other fraudulent transaction reviews are here beside my one. I am closing my account. Show details
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BenGreat Southern, WA

Super fast and knowledgeable

The only chat help service that answers immediately and within a minute can usually sort the issue.
They are also the only ones to read the previous thread incase there is something relevant. Well done kogan money Show details
Application Process

Questions & Answers


How do I set up my 4 digit pin number?

Wayne W.
Wayne W.

Can increase my limit on my card

Wayne W.
Wayne W.

I’m waiting on new card hasn’t showed up can I still you my phone to psy

See all Kogan Money Black Card questions

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