Kogan Money Credit Cards Money Black Credit Card
credit card
Money Black Credit Card is a credit card from Kogan Money Credit Cards, as the bank publishes it in its product data. Its purchase rate is 21.99% and its card fee $0 a year. It ranks 52nd of 52 issuers for a personal card by lowest purchase rate; 10th of 10 issuers for a personal card with no annual fee, by purchase rate; 17th of 22 issuers for a personal card by the length of its balance transfer offer; and 2nd of 24 issuers for a personal card with a rewards programme, by annual fee. The feed calls it "Kogan Money Black Credit Card".
What the feed states
- Purchase rate
- 21.99%
- Cash advance rate
- 22.74%
- Interest-free days
- up to 44
- Card fee
- $0 a year (Annual Fee)
- Foreign transaction fee
- 3.4% of the transaction
- Cash advance fee
- 3.5%
- Late payment fee
- $30
- Balance transfer offer
- 0.00% for 6 months (0% fee, then 22.74%)
- Rewards programme
- Kogan Money Credit Cards Rewards
- Digital wallets
- Apple Pay, Google Pay
- Instalment plans
- offered
- Additional cardholders
- up to 4
- Credit limit
- $6,000 to $30,000
- Minimum income
- $35,000 a year
- Minimum age
- 18
- Scheme
- Visa
Conditions and offers
- corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 6 months with no transfer fee, reverting to the cash advance rate; its feed carries no offer
- credit limit $6,000 to $30,000
- minimum income $35,000 a year
- balance transfer offer for new cardholders only
- $400 Kogan.com credit (spend $3,000 on eligible purchases in 90 days from approval) and the balance transfer offer, for new cardholders applying 9 November 2026 to 6 December 2026
- no annual fee, and no additional cardholder fee
- $5 minimum domestic cash advance fee; $5 per cash advance outside Australia
- 2 points per $1 at Kogan.com, 1 point per $1 elsewhere, uncapped
- balance transfers may not exceed 80% of the credit limit and must be requested with the application
- 18 or older and an Australian resident for tax purposes
Who can apply, in the bank's words
- Have an Australian mobile number
- Have a valid email address
About this card
The Product is a rewards credit card that provides individuals with a line of credit facility, the ability to earn Kogan Money Credit Card Rewards Points (Reward Points) and access to ancillary Kogan.com benefits, with up to 44 days interest free on retail purchases and no annual fee.
Data
- Kogan Money Credit Cards's own page for this card.
- The issuer's documents its feed links to: terms and conditions, fees, eligibility.
- Our verbatim snapshot of the bank's product record (source), as fetched on 2026-11-07.
- The issuer's Key Facts Sheet.
/au/finance/credit-cards/v1/brands/kogan-money-credit-cards.json: this issuer's cards as JSON; Kogan Money Credit Cards's page lists them.- The bank last updated this record on 2026-11-02; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.
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