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.
Please note, applications are unavailable until 31 March 2025 while we complete a system change
Category: Credit and Charge Cards Last Updated March 17, 2025 Effective March 21, 2025
General Lending Rates
Rates listed below are for a product. Additional Information
Interest Rate NA PA
Comparison Rate NAPA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
, CASH_ADVANCE, 22.74%
Lending Rate Type: Cash Advance
Interest Rate: 22.74%, Comparison Rate 0.00%
Repayment Type:
Loan Purpose:
Product Features
Balance Transfers
Bill Payment
Bill Payment
Complementary Product Discounts
Digital Banking
Digital Banking
Digital Wallet
Digital Wallet
Interest Free
Loyalty Program
Unlimited Txns
Product Eligibility
Min Age - 18.
Residency Status - Must Be An Australian Resident.
Natural Person
Min Income - 35000.00.
Bank Fees and Charges
Annual Fee (Periodic), Amount: 0.00.
Domestic Cash Advance Fee (Withdrawal), Amount: 5.00. Additional Information: $5 per transaction amount or 3.5% of the transaction value, whichever is higher, for a Cash Advance inside Australia, debited to your Account on the Transaction Date.
International Cash Advance Fee (Withdrawal), Amount: 5.00. Additional Information: $5 per transaction amount for a Cash Advance outside of Australia, debited to your Account on the Transaction Date.
International Transaction Fee (Transaction), Amount: 0.00. Additional Information: We charge you an International Transaction Fee of 3.4%, debited to your Account on the Transaction Date.
Late Payment Fee (Event), Amount: 30.00. Additional Information: $30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account