This was posted 6 months 26 days ago, and might be an out-dated deal.

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Kogan Money Black Credit Card: up to $400 Kogan Credit ($3,000 Spend in 90 Days), 0% Balance Transfer for 1 Year, $0 Annual Fee

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Kogan Money Black Credit Card: up to $400 Kogan Credit ($3,000 Spend in 90 Days), 0% Balance Transfer for 1 Year, $0 Annual Fee
Go to Deal
Jay Wee on 03/10/2023 - 13:44 koganmoney.com.au (677 clicks)
Last edited 04/10/2023 - 16:55 by 1 other user

$400 Kogan.com Credit
When you spend $3,000 on eligible purchases on Kogan.com or elsewhere in 90 days from card approval†

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

$0 annual fee
A no annual fee rewards credit card

Uncapped rewards
Earn 2 rewards points per dollar on your eligible purchases at Kogan.com & 1 rewards point per dollar on your everyday purchases, almost anywhere!# Redeem your points for eligible purchases at Kogan.com using Pay with Points (1000 Points = $10 of Credit!)~
Complimentary Membership
Get free shipping on 1000’s of products, express shipping upgrades, and exclusive specials at Kogan.com & Dick Smith‡
0% p.a. for up to 24 months when you pay with instalments at Kogan.com1
Eligible Kogan.com purchases only. One-off fee of up to 4.5% applies for instalments. T&Cs apply

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

Visa payWave
Simply wave and go◊
Faster Payments with Apple Pay
Pay on the go with Apple Pay on iPhone, Apple Watch, iPad, and Mac^
Pay for whatever, whenever with Google Pay
Google Pay is the fast, simple way to pay on sites, in apps, and in stores using the Kogan Money Credit Card saved on your Google Account
FRAUDSHIELD® and Visa Zero Liability
Security and fraud protection with FRAUDSHIELD® and Visa Zero Liability

Financial Credit Card Store Credit VISA

Related Stores

Kogan Money
Kogan Money
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closed Comments

  • Feeblely on 03/10/2023 - 13:49
    +5

    This used to be $500 spend…

    • Stopback on 03/10/2023 - 16:29

      Now you get competitions

  • nightelves on 03/10/2023 - 14:00
    +3

    Waiting for $500 giftcard.

  • CyberMurning on 03/10/2023 - 14:02

    whats the minimum credit limit? hmm will i get this if less than 6 months ago suncorp rejected my application for just $1,000 limit

    • HD9990 on 03/10/2023 - 14:04
      +2

      not sure, they gave me 30k while I earn under 90k p.a.

    • wizedz on 03/10/2023 - 15:06
      +2

      6k

  • comphelp on 03/10/2023 - 14:06
    +2

    Anyone know what the significance of ?nab=0 vs ?nab=1 in the URL?

  • Javin on 03/10/2023 - 14:12

    I have previously owned this card can i get this offer 2nd time ?

    • Kuma on 03/10/2023 - 14:43
      +1

      No, only once per their T&C

      • nightelves on 03/10/2023 - 15:03

        Has anyone tested this to see if it is just that?

        • Kuma on 03/10/2023 - 16:52

          Yes, I've had the Kogan card twice. They changed the T&C's after I signed up for the card the second time and refused to give me the gift card. I had to go through ombudsman before they gave it to me as 'goodwill' offering.

          • nightelves on 03/10/2023 - 16:56

            @Kuma: Oh wow so they’re being true to their word.

          • cook99 on 03/10/2023 - 16:57

            @Kuma: I love when banks claim fixing their shady behaviour is 'goodwill' like they are doing us a favour…
            I signed up twice and got 2x$500 before they changed the terms, shame we can't keep this in our bi-annual churn

    • cook99 on 03/10/2023 - 16:58

      Terms:
      If you have previously held a Kogan Money Credit Card, you will not be eligible for this offer.

  • SoapyWooder on 03/10/2023 - 14:13

    Can the credit be used to pay Kogan internet? If yes, then do we wait until we get the 400 and then open a new internet account with them?

    • Looser on 04/10/2023 - 05:19

      No, its a kogan.com credit and can only be used on kogan.com.
      Only the rewards points can be redeemed against the kogan internet transaction

      • SoapyWooder on 07/10/2023 - 10:25
        +1

        Thank you my friend

  • ngengerous on 03/10/2023 - 14:14
    +1

    What's the easiest way to rack up this spend - do gift cards count?

    • nightelves on 03/10/2023 - 15:04

      Bills count as well from memory.

    • ATangk on 03/10/2023 - 16:15
      +1

      yes. get the 10% or 15% off deals for best value

  • Polaremail on 03/10/2023 - 14:42
    +1

    I got this for ages. The initial 400 and ongoing Kogan first membership- it's come in handy couple times a year. 😂

    • nightelves on 03/10/2023 - 15:04

      Yeah Kogan first just automatically there for me as well.

      • kehuehue on 12/10/2023 - 23:03

        Is free kogan first membership ongoing until you have the card open?

        • nightelves on 12/10/2023 - 23:38

          My card has expired and I’ve still got Kogan first. So who knows 🤷‍♂️

    • Stopback on 03/10/2023 - 16:29

      At about 1percent it's goodm

      However you need to buy Logan goods.

      • CyberMurning on 03/10/2023 - 16:34

        dont buy kogan branded items. others, sometimes you get a good deal. i remember years ago lots of xiaomi gadgets were with decent prices.

  • Tiggrrrrr on 03/10/2023 - 16:04
    +4

    Just note if you opt for the 0% Balance transfer all purchases accumulate interest from day of purchase.

  • PerthectDeal on 03/10/2023 - 19:28

    Good offer, got an Eufy 2k video doorbell free and some credit remaining

  • gungirlyuna on 04/10/2023 - 13:40

    Is the credit a gift card or simply credit?

  • comphelp on 05/10/2023 - 16:41

    How do I call these guys about a declined application? They don't seem to have phone numbers. They want you to use the app but I can't sign in as I'm not yet a customer.

    • CyberMurning on 05/10/2023 - 16:47

      afaik nothing you can do, no bank will tell us why they decline. and no point to re apply within 6 months (or some people 1 year?) and for sure we cant beg them to change their decision. its final.

      • comphelp on 05/10/2023 - 18:16

        I called on their lost card number and spoke to someone. They weren't very helpful ("Lending criteria is secret" etc). I asked if it was my existing cards and if lowering some of those would help. He wouldn't budge. It's odd because he took the application number, verified my security and looked it up.

        I'll share what I did find here for other people's benefits. He suggested that I could send any additional information to this email address: [email protected]

        I'm not hopeful but I've tried anyway.

        • CyberMurning on 05/10/2023 - 18:21

          nah, wont do anything. imagine if every one that got rejected can appeal… the application would take forever…. its just the bank standard. you apply they decide case close. see you again in 6/12 months. if we can just simply apply and know whats wrong then fix the issues and get accepted, everyone will cheat the system and do that

          • comphelp on 12/10/2023 - 15:07

            @CyberMurning: It actually worked. I got approved with a $30K limit!

            • JohnSy on 12/10/2023 - 22:44
              -1

              @comphelp: Ok, now that your ego got a boost, lower it down to the minimum $6K limit - there is no point having $30K limit on a card if you planning on churning. That amount will go against you signing up for other credit cards whilst this one is active.

              • comphelp on 13/10/2023 - 09:12
                +1

                @JohnSy: Ego boost? I think they made an error. I'm a good credit risk. I just got them to correct it.

                Whilst I need to start churning cards, this one is a one-off bonus so i might as well use it as my main card between others. $6K won't cut it but I sure as hell don't need $30K!

  • Twitchh on 06/11/2023 - 18:06

    Can you pay your rent with this card via BPAY? And does this count towards the $3000 spend requirement?

    • team teri on 11/11/2023 - 11:42

      Looking at the T&C I don't see why not:
      "†To be eligible to receive the $400 Kogan.com Credit, you must apply for a new Kogan Money Credit Card by 30 November 2023, then spend $3,000 or more on eligible purchases using your new card within 90 days from approval (spend period). Please note, purchases must be processed and charged to your account within the spend period. 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 branded accounts, 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. "

      This list of exclusions from the minimum spend is a lot shorter than the list of exclusions for Rewards Points. Crucially: for points it excludes all government related transactions, which means the car rego payments I made didn't get points, but have to count towards the $3000.

    • team teri on 11/11/2023 - 11:44

      A risk though: BPAY transactions could be treated like a cash advance. Better double check before you incur fees and interest (and not count towards the minimum spend)…

      • Twitchh on 11/11/2023 - 15:21
        +2

        well I did it, and paid it off the next day. So far doesn't look like theres been any additional fees.

  • team teri on 11/11/2023 - 15:26

    Did anyone already get their $400 Kogan credit, or are they really keeping us waiting 10 weeks after the $3000 spend, or even worse: 10 weeks after the 3 months are up?

    • Jay Wee on 12/11/2023 - 09:12
      +1

      I received gift credits after 2 weeks fulfilling the spend limit

      • cski on 04/12/2023 - 19:12

        I have not yet
        Is it maybe processed after your statement occurred?

    • rebound on 23/11/2023 - 17:16

      I applied early Oct, hit spend limit on 16/10, but am still waiting for credits

      • Twitchh on 09/12/2023 - 13:58

        end up getting it?

        • rebound on 23/12/2023 - 21:14

          Still waiting..

          • Twitchh on 24/12/2023 - 10:26

            @rebound: weird, got mine a few weeks ago.

            • rebound on 27/12/2023 - 10:55

              @Twitchh: Was it automatically added to your Kogan account, or did you receive a credit voucher by email?

              • Twitchh on 28/12/2023 - 07:48

                @rebound: automtically added to my kogan account

  • s26f84 on 17/11/2023 - 09:13

    i did balance transfer and they will charge interest on retail transactions. there is no winning :(

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