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Kogan Money Black Credit Card: $400 Kogan Credit ($1,500 Spend in 90 Days*), 0% Balance Transfer for 1 Year, $0 Annual Fee


Kogan has increased the Kogan Credit received back on spending $1500 within the first 90 days from $300 to $400 on their Kogan Money Black Card. You need to apply by 26 April 2021.


Bonus $400 Kogan.com Credit
Spend $1,500 on eligible purchases in the first 90 days from card approval and you’ll receive $400 in Kogan.com Credit which you can use within the next 12 months of the credit being applied*

No annual fees
That’s right, $0 annual fees on this card.

A rewards program that delivers real value
Earn up to 2 rewards points per dollar on your eligible purchases at Kogan.com and 1 rewards point per dollar on your eligible everyday spend, uncapped#. Redeem your points for eligible purchases at Kogan.com using Pay with Points (100 Points = $1 of Credit!)~

Complimentary Kogan First Membership
Get free shipping on 1000’s of products, express shipping upgrades, and exclusive specials at Kogan.com with your complimentary Kogan First Membership, currently valued at $99 per year.‡

0% p.a. for 12 months on balance transfers (no balance transfer fee applies)
Reverts to cash advance rate. No interest free days on retail purchases apply while you have a balance transferx

Up to 4 additional cardholders at no cost
All eligible spend by additional cardholders contributes to your rewards!#

Visa payWave
Simply wave and go.◊

FRAUDSHIELD® and Visa Zero Liability
Security and fraud protection with FRAUDSHIELD® and Visa Zero Liability.

Eligibility Criteria
Earn more than $35,000 a year.
Be in permanent full time or part time employment, or be self employed, and have a good credit rating.
Be 18 years or older and a permanent Australian resident.
Have a valid email address and mobile number.

* To be eligible to receive the $400 Kogan.com Credit, you must apply for a Kogan Money Black Card by 26 April 2021, then spend $1,500 or more on eligible purchases using your new card within 90 days from approval. Eligible purchases excludes Cash Advances, Balance Transfers, Special Promotions (for example, transfers to other accounts with a Fixed Payment Option), refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi Accounts, bank fees and charges such as interest and ATM charges, and transactions made using Rewards Points. The Kogan.com Credit will be credited to your Kogan.com account up to 10 weeks after the end of the qualifying period, and will expire 12 months from the date it is applied. Your Kogan.com account will be set up upon approval of your application (if you don’t already have one). You will receive an email requesting that you activate your Kogan.com account and agree to the Kogan.com Terms and Conditions and Privacy Policy. Your Kogan Money credit card must remain open and in good standing, and your Kogan.com account must remain open for the Kogan.com Credit to be credited. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. This offer is valid until 26 April 2021. Post this advertised date; Citigroup reserves the right to continue, withdraw or change the offer at any time without notice.

Related Stores

Kogan Money
Kogan Money


  • Nothing about previous customers ?

  • From one of the world's grottiest companies comes… Credit cards.

  • +3 votes

    I'm still on this from the Black Friday sale where it was spend $x, get $x in Kogan Credit..it is decent value whereby it's a free card and for every dollar you spend on the card, you get one cent of credit and a Kogan First membership.

  • Added benefit it's accepted by Indian YouTube premium and Argentinian Netflix.

  • Beware they have no phone customer service, and KoganMoney app can be a lot of pain to use.
    Also when it comes time to cancel your card make sure they've cancelled it as in my case and I'm sure many others they tell you it's cancelled and it's really not.

  • Is this a good credit card?
    Is it worth having?

  • Are there exceptions to what you can use the $400 for? E.g. Certain brands

  • That credit card is very designed for you to overspend on Kogan, much better cards out there!

  • Looks like I'll forgo the $400 to save $1500.

  • I've done the $500 card twice, easy shopping money.
    Silly of them not to put a 12 month wait period for old customers, tempted to jump in again.
    No restrictions on what you can spend it on for experience,

  • Does this card support google pay?

  • I got this card during the $500 credit offer and 1 year BT offer. Was easy money and if you can find something of value on Kogan it effectively gives a 1% return on everything. Points are instant upon purchase as well. Has become my main points earning card now.

  • Thanks OP. I've applied and conditionally approved. Can anyone please tell me how long it took for the card to come in the mail after approval?

  • About a week

  • first rejection after 4-5years of credit card churning.
    possibly because i already have a citibank issued credit card.

  • I tried to apply yesterday. When I clicked "apply", an error came up. This happened many times. I just tried again today (26 April), the $400 credit is showing only at $300. Any clue?

    • I have just chatted with them and the operator said: "You should still get the $400 credit. We will have that requested once the application has been approved.". So I guess you should submit your application today in order to get the $400 credit.

  • That's what they told me too but what evidence do I have if I have to chase that up? So far, I am onlyl relying on what is being said in this forum. Any clue? I gave them my email address asking them for a confirmation of what they said but they would not do that.

  • Does Kogan charge a forex or international transaction fee for Paypal payments?

    • After my application is approved, I received an email with the following as regard to international transaction fees, though not sure about Paypal:

      International Transaction Fee

      We charge you an International Transaction Fee of 3.4%, debited to your Account on the Transaction Date, of which a service and assessment fee of 1% is payable by us to Visa, for any Retail Purchase or Cash Advance transaction in:
      foreign currency once converted to Australian dollars; and/or
      Australian dollars (or any other currency), when either the merchant or its financial institution/payment processor is located or registered overseas, including transactions that involve dynamic currency conversion (that is where a transaction denominated in a foreign currency is converted to local currency which is a service that is offered by certain ATMs and merchants). The process of conversion and the exchange rates applied will be determined by the relevant ATM, merchant or dynamic currency conversion service provider as the case may be. We do not determine whether a Card transaction will be converted into local currency by the merchant or ATM and you may have to check with the relevant merchant or ATM provider.

      Note: It may also not always be clear that the merchant or its financial institution/payment processor is located or registered outside Australia.