{
  "brand": "Kogan Money Credit Cards",
  "brand_label": "Kogan Money Credit Cards",
  "brand_slug": "kogan-money-credit-cards",
  "legal_entity_abn": "12004044937",
  "public_base_uri": "https://api.openbanking.cards.koganmoney.com.au",
  "logo_uri": "https://usl.nab.com.au/static/assets/kogan/img/kogan-money_logo_lg.svg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-02T00:12:00Z",
  "at_a_glance": {
    "note": "This bank's entry per customer segment (personal, business) and ranking kind (low_rate, no_annual_fee, balance_transfer, rewards), one line each: its card in the best/{segment}/{kind}.json slice (student cards, companion cards and occupation-limited lenders left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. conditions is a key into condition_sets. unranked counts the cards no slice ranks, by reason. Every card follows in products and rows.",
    "rates": [
      {"segment":"personal","kind":"low_rate","rank":52,"of":52,"product_label":"Money Black Credit Card","card_type":"credit","purchase_rate_pct":21.99,"annual_fee":0.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":44,"min_credit_limit":6000.0,"max_credit_limit":30000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":6,"bt_fee_pct":0.0,"bt_revert_rate_pct":22.74,"rewards_program":"Kogan Money Credit Cards Rewards","conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"no_annual_fee","rank":10,"of":10,"product_label":"Money Black Credit Card","card_type":"credit","purchase_rate_pct":21.99,"annual_fee":0.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":44,"min_credit_limit":6000.0,"max_credit_limit":30000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":6,"bt_fee_pct":0.0,"bt_revert_rate_pct":22.74,"rewards_program":"Kogan Money Credit Cards Rewards","conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"balance_transfer","rank":17,"of":22,"product_label":"Money Black Credit Card","card_type":"credit","purchase_rate_pct":21.99,"annual_fee":0.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":44,"min_credit_limit":6000.0,"max_credit_limit":30000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":6,"bt_fee_pct":0.0,"bt_revert_rate_pct":22.74,"rewards_program":"Kogan Money Credit Cards Rewards","conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"rewards","rank":2,"of":24,"product_label":"Money Black Credit Card","card_type":"credit","purchase_rate_pct":21.99,"annual_fee":0.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":44,"min_credit_limit":6000.0,"max_credit_limit":30000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":6,"bt_fee_pct":0.0,"bt_revert_rate_pct":22.74,"rewards_program":"Kogan Money Credit Cards Rewards","conditions":"k1","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "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",
        "Have an Australian mobile number",
        "Have a valid email address",
        "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"
      ]
    },
    "unranked": {
      "products": 0
    }
  },
  "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), credit and charge cards category",
  "licence_note": "Rates and fees are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates, fees and offers change without notice; promotional balance transfer and purchase rates end after their months; check the bank's page before acting. This is not financial advice.",
  "products": [
    {
      "product_id": "229ba4a9-71f0-4339-b447-e00a6b524b90",
      "product_name": "Kogan Money Black Credit Card",
      "product_label": "Money Black Credit Card",
      "product_slug": "money-black-credit-card",
      "page": "/au/finance/credit-cards/cards/kogan-money-credit-cards/money-black-credit-card/",
      "product_url": "https://www.koganmoney.com.au/credit-cards/kogan-money-black-card/",
      "terms_url": "https://www.koganmoney.com.au/credit-cards/important-information/",
      "fees_url": "https://www.koganmoney.com.au/credit-cards/kogan-money-black-card/",
      "eligibility_url": "https://www.koganmoney.com.au/credit-cards/kogan-money-black-card/",
      "card_type": "credit",
      "scheme": "visa",
      "tier": "black",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "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.",
      "purchase_rate_pct": 21.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Retail purchase rate",
      "cash_advance_rate_pct": 22.74,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 44,
      "annual_fee": 0.0,
      "fee_period": "annual",
      "fee_as_stated": 0.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual Fee",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.4,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 3.5,
      "cash_advance_fee": null,
      "late_payment_fee": 30.0,
      "additional_cardholder_fee": null,
      "balance_transfer": {
        "offers": [],
        "for_new_cards": null,
        "for_existing_customers": null,
        "ongoing_rate_pct": null,
        "fee_pct": 0.0,
        "revert_rate_pct": 22.74,
        "revert_to": "cash_advance",
        "promo_rate_pct": 0.0,
        "promo_months": 6
      },
      "rewards_program": "Kogan Money Credit Cards Rewards",
      "rewards_programs": [
        "Kogan Money Credit Cards Rewards"
      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay"
      ],
      "instalment_plan": true,
      "additional_cards": 4,
      "additional_cards_offered": true,
      "min_credit_limit": 6000.0,
      "max_credit_limit": 30000.0,
      "min_income": 35000.0,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "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",
        "Have an Australian mobile number",
        "Have a valid email address",
        "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"
      ],
      "eligibility": [
        "Have an Australian mobile number",
        "Have a valid email address"
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 52,
          "of": 52,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "no_annual_fee",
          "rank": 10,
          "of": 10,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "balance_transfer",
          "rank": 17,
          "of": 22,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "rewards",
          "rank": 2,
          "of": 24,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api.openbanking.cards.koganmoney.com.au/cds-au/v1/banking/products/229ba4a9-71f0-4339-b447-e00a6b524b90",
      "source_snapshot": "/au/finance/credit-cards/v1/source/kogan-money-credit-cards/229ba4a9-71f0-4339-b447-e00a6b524b90.json",
      "snapshot_at": "2026-11-07T23:42:51Z",
      "bank_last_updated": "2026-11-02T00:12:00Z",
      "key_facts_sheet_url": "https://koganmoney.com.au/wp-content/uploads/2025/03/KGN16938_0325-Kogan-Key-Facts-Sheet-v3-proof-2.pdf",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "correction": {
        "checked": "2026-11-07",
        "note": "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",
        "fields": [
          "balance_transfer"
        ],
        "quotes": {
          "balance_transfer": {
            "text": "0% p.a. on Balance Transfers for 6 Months",
            "url": "https://www.koganmoney.com.au/credit-cards/kogan-money-black-card/",
            "citation": {
              "quote": "0% p.a. on Balance Transfers for 6 Months",
              "url": "https://www.koganmoney.com.au/credit-cards/kogan-money-black-card/#:~:text=0%25%20p.a.%20on%20Balance%20Transfers%20for%206%20Months",
              "document_sha256": "8e327ee354f689442919be72b1c5a26366e17f69fa64a47132a6de75918c7691",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "balance_transfer": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "bt_promo_rate_pct",
            "bt_promo_months",
            "bt_fee_pct",
            "bt_revert_rate_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.koganmoney.com.au/credit-cards/kogan-money-black-card/#:~:text=0%25%20p.a.%20on%20Balance%20Transfers%20for%206%20Months",
          "quote": "0% p.a. on Balance Transfers for 6 Months"
        }
      ]
    }
  ],
  "rows": [
    {
      "brand": "Kogan Money Credit Cards",
      "brand_label": "Kogan Money Credit Cards",
      "brand_slug": "kogan-money-credit-cards",
      "legal_entity_abn": "12004044937",
      "product_id": "229ba4a9-71f0-4339-b447-e00a6b524b90",
      "product_name": "Kogan Money Black Credit Card",
      "product_label": "Money Black Credit Card",
      "product_slug": "money-black-credit-card",
      "page": "/au/finance/credit-cards/cards/kogan-money-credit-cards/money-black-credit-card/",
      "product_url": "https://www.koganmoney.com.au/credit-cards/kogan-money-black-card/",
      "terms_url": "https://www.koganmoney.com.au/credit-cards/important-information/",
      "fees_url": "https://www.koganmoney.com.au/credit-cards/kogan-money-black-card/",
      "eligibility_url": "https://www.koganmoney.com.au/credit-cards/kogan-money-black-card/",
      "card_type": "credit",
      "scheme": "visa",
      "tier": "black",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 21.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 22.74,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 44,
      "annual_fee": 0.0,
      "fee_period": "annual",
      "fee_as_stated": 0.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual Fee",
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.4,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 3.5,
      "cash_advance_fee": null,
      "late_payment_fee": 30.0,
      "additional_cardholder_fee": null,
      "bt_promo_rate_pct": 0.0,
      "bt_promo_months": 6,
      "bt_fee_pct": 0.0,
      "bt_revert_rate_pct": 22.74,
      "bt_revert_to": "cash_advance",
      "rewards_program": "Kogan Money Credit Cards Rewards",
      "rewards_programs": [
        "Kogan Money Credit Cards Rewards"
      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [
        "Apple Pay",
        "Google Pay"
      ],
      "instalment_plan": true,
      "additional_cards": 4,
      "additional_cards_offered": true,
      "min_credit_limit": 6000.0,
      "max_credit_limit": 30000.0,
      "min_income": 35000.0,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "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",
        "Have an Australian mobile number",
        "Have a valid email address",
        "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"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api.openbanking.cards.koganmoney.com.au/cds-au/v1/banking/products/229ba4a9-71f0-4339-b447-e00a6b524b90",
      "source_snapshot": "/au/finance/credit-cards/v1/source/kogan-money-credit-cards/229ba4a9-71f0-4339-b447-e00a6b524b90.json",
      "snapshot_at": "2026-11-12T02:35:56Z",
      "bank_last_updated": "2026-11-02T00:12:00Z",
      "key_facts_sheet_url": "https://koganmoney.com.au/wp-content/uploads/2025/03/KGN16938_0325-Kogan-Key-Facts-Sheet-v3-proof-2.pdf",
      "document_links_source": {
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "correction": {
        "checked": "2026-11-07",
        "note": "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",
        "fields": [
          "balance_transfer"
        ],
        "quotes": {
          "balance_transfer": {
            "text": "0% p.a. on Balance Transfers for 6 Months",
            "url": "https://www.koganmoney.com.au/credit-cards/kogan-money-black-card/",
            "citation": {
              "quote": "0% p.a. on Balance Transfers for 6 Months",
              "url": "https://www.koganmoney.com.au/credit-cards/kogan-money-black-card/#:~:text=0%25%20p.a.%20on%20Balance%20Transfers%20for%206%20Months",
              "document_sha256": "8e327ee354f689442919be72b1c5a26366e17f69fa64a47132a6de75918c7691",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "balance_transfer": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "bt_promo_rate_pct",
            "bt_promo_months",
            "bt_fee_pct",
            "bt_revert_rate_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.koganmoney.com.au/credit-cards/kogan-money-black-card/#:~:text=0%25%20p.a.%20on%20Balance%20Transfers%20for%206%20Months",
          "quote": "0% p.a. on Balance Transfers for 6 Months"
        }
      ],
      "rate_pct": 21.99,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 52,
          "of": 52,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "no_annual_fee",
          "rank": 10,
          "of": 10,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "balance_transfer",
          "rank": 17,
          "of": 22,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "rewards",
          "rank": 2,
          "of": 24,
          "hidden_by_default": null
        }
      ]
    }
  ],
  "licence_shared_with": [
    "Coles Credit Cards",
    "MyCard",
    "NAB",
    "Qantas Money Credit Cards",
    "UBank"
  ]
}