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Kogan Credit Card: $300 Kogan Credit ($3k Eligible Spend 90 Days), 6 Months 0% BT, $0 Annual Fee, FIRST Membership @ Kogan Money

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Kogan Credit Card: $300 Kogan Credit ($3k Eligible Spend 90 Days), 6 Months 0% BT, $0 Annual Fee, FIRST Membership @ Kogan Money
Go to Deal
Marrk on 14/05/2025 - 17:42 koganmoney.com.au (242 clicks)
Last edited 14/05/2025 - 17:48

I know this credit amount has been higher previously, posting as there haven’t been as many great points deals recently and this card has no annual fee.

Something to note: “This offer is for new Kogan Money Credit Card customers only and cannot be used in conjunction with any other promotions or offers. If you have previously held a Kogan Money Credit Card, you will not be eligible for this offer.”

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Why choose the Kogan Money Credit Card?

$300 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 6 months on Balance Transfers
No Balance Transfer Fee applies. Reverts to Cash Advance rate at the end of the Balance Transfer Term.

$0 annual fee
A no annual fee rewards credit card

Uncapped rewards
Earn 2 Rewards Points per dollar spent on your eligible purchases at Kogan.com and 1 Rewards Point on your eligible everyday purchases.

Shop with Points
Redeem your Rewards Points for eligible purchases via your Kogan.com account using Shop with Points at checkout.

Pay with Points
Save on your bills using Pay with Points option to pay for your Kogan Essential bills.

Complimentary Membership
Enjoy free shipping on 1000’s of products, express shipping upgrades, and exclusive specials at Kogan.com & Dick Smith

Financial Credit Card Kogan Membership Store Credit VISA

Related Stores

Kogan Money
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closed Comments

  • rewstar on 14/05/2025 - 17:45
    +5

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

    • Marrk on 14/05/2025 - 17:48

      I have added this to the description

    • Drakesy on 14/05/2025 - 17:57
      +4

      Fcuking Kogan hating on churners.

      • mcnugget on 14/05/2025 - 17:59
        +1

        And ANZ apparently :( Almost no decent churns left

        • Drakesy on 14/05/2025 - 18:21
          +1

          Weird, my ANZ is still going great guns, although i've banked with them my whole life. It's one of the few that auto accept me everytime.

          AMEX, Westpac and St George on the other hand hate me.

          • mcnugget on 14/05/2025 - 18:25
            +1

            @Drakesy: ANZ are now 24 months wait and can only go for one card (not both reward types). The game is up.

            • Drakesy on 14/05/2025 - 18:26
              +2

              @mcnugget: Oh yeah, read that on the forums.
              fcukers

  • RichardF89 on 14/05/2025 - 18:04
    +3

    it is good for a Complimentary first Membership. But I don't use Kogan much

  • scalebearer on 14/05/2025 - 18:13
    +4

    I've said this before as well, but it's worth reminding any new people considering the Kogan Black credit card:

    You need something reliable to spend the Kogan credit card points on, otherwise the 1% earn back rate is meaningless. Ideally, something that you would have bought in the first place without the credit card influencing you.

    Spending the points on random crap from Kogan.com that you otherwise would not have bought and which may end up in landfill shortly after the novelty wears off, will nullify the 1% earn back rate as well.

    Example 1: You already look for Kogan Mobile voucher deals every year and are happy with Vodafone coverage in the areas you frequent. Cutting a few tens of dollars off your yearly mobile bill can make the already discounted Kogan Mobile vouchers an even better deal.
    If Vodafone coverage is terrible/nonexistent where you are, then this is obviously not a good idea, since cheap big data is of no use if you cannot use any of it.
    Vodafone and Optus have been sharing towers in country areas since early 2025 to better compete with Telstra.

    Example 2: You are already with other Kogan branded utilities, there is an option to pay with points and you are happy to stick with them longer term rather than constantly churning energy providers for sign up credits and the like.
    Obviously this soft locks you into Kogan utilities since leaving them will also cut off one of the ways to redeem points.

    • TheRealInosuke on 14/05/2025 - 20:15
      +1

      Interesting you brought this up. I have an open dispute with them for using points to pay off my Kogan internet but didn't get credited for that amount. Wrote to them and they refunded the points saying their system currently have trouble using points to pay for Kogan services with no ETA when they will resolve this. So effectively Example 2 is N/A for now.

  • bargainatoraah on 14/05/2025 - 18:22
    +1

    I've always wondered how cc companies make money

    • Drakesy on 14/05/2025 - 18:27
      +3

      Off the lowest 1% that use it as an actual line of credit, unlike us who just use and abuse.

      • Make it so on 14/05/2025 - 18:34
        +1

        And the merchant fees…..
        But yeah, definitely not off me.

      • wibgyor on 14/05/2025 - 18:34
        +1

        In addition they also charge for every transaction. sometimes that cost is passed on to you directly. sometimes its "free" which means it's passed on to everyone transacting with that business equally irrespective of what payment method anyone uses

  • Sun One on 14/05/2025 - 18:46
    +2

    Used to be $400, then $350, now $300

    • starbearer on 14/05/2025 - 19:46
      +1

      shrinkflation!

    • adrianhughes1998 on 15/05/2025 - 07:43
      +3

      Think it was $500 at some point a few years ago too. Credit card deals are just getting worse and worse :(

  • PissLUR on 14/05/2025 - 19:15

    Just got stung the late fee today. Contacted and got them waived.

    So there is no email/text notification for statement since the migration.

    Electronic statements
    We'll no longer send you electronic statements as an email attachment. Instead, you'll be able to access statements securely via the new Mobile App and Online. We'll send you an email or SMS when your statement is available to be viewed.

    • evocable on 14/05/2025 - 20:23
      +2

      I noticed the app no longer sends notifications for payments due etc. If you go into the notification settings in app it just says "contact us online" which leads to a webpage that opens a chat. On my phone I wasn't able to type anything into the chat box… Was there any indication they would be fixing the in app notifications?

  • yoyo on 14/05/2025 - 21:11
    +1

    Anyone on how long to get the Kogan credit ?

    • payless69 on 15/05/2025 - 05:38

      As a non-Gerry shopper I was wondering myself. What else to buy with?

  • Bdawg on 15/05/2025 - 08:56

    Beware this credit card - clunky interfaces and patchy reminders leading to late fees. Also if anything goes wrong, their support is woeful. For example good luck initiating a chargeback. Their support staff don't speak very good English.

  • SwampyBits on 15/05/2025 - 16:42

    Can i get this, put it away, and just keep it for the kogan first subscription… then use other payment options to buy stuff? Is there any hidden fees if you never use it?

    • PissLUR on 15/05/2025 - 20:23

      no hidden fee.

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