Credit Card Compare

Kogan Money Credit Card

Data last updated 20 July 2026
21.99%
Purchase rate
$0
Annual fee
44 days
Interest-free

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Kogan Money Credit Card card
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CardIQ

52Fair

Fair

Overall score, out of 100 · How this works

  • Balance transfer59
  • No annual fee57
  • Rewards41

Customer reviews

No reviews yet. Be the first to review the Kogan Money Credit Card.

Pros & cons

What's good

  • 6 months at 0% p.a. on balance transfers, shorter than the 12-month median (no transfer fee, reverts to 22.74% p.a.).
  • No annual fee.
  • No fee to add an additional cardholder.

Worth noting

  • The 21.99% p.a. purchase rate sits in the most expensive quarter of cards (the median is 18.99% p.a.) if you carry a balance.
  • Earns 1 point per $1 on everyday spend, around the dataset average.
  • 3.4% foreign transaction fee on overseas spending, at the high end of the market.
  • Up to 44 interest-free days on purchases (below the 55-day median).

Card details

The basics

Additional cardholder fee
$0 p.a.
Card tier
Standard
Card type
Visa
Card use
Personal
Credit limit
$6,000 – $30,000
Credit rating
Good
Rewards program
Kogan Rewards Program

Eligibility

Instant approval
No
Joint application
No
Minimum age
18 years old
Minimum income
$35,000 p.a.
Residency
Australian citizen or permanent resident
Temporary residents
Not eligible

Rates & fees

Ongoing interest rates

Cash advances
22.74% p.a.
Purchases
21.99% p.a.

Fees

Additional cardholder fee
$0
Annual fee
No annual fee
Cash advance fee
3.5% of the amount
Foreign transaction fee
3.4%
Late payment fee
$30

Repayments

Interest-free period
Up to 44 days on purchases
Minimum repayment
2% of the closing balance or $25, whichever is greater

Balance transfers

Can't transfer from
Coles, Kogan Money, MyCard, NAB, Qantas Money
Limit
Up to your available credit limit
Period
6 months
Promotional rate
0% p.a.
Revert rate
22.74% p.a.
Transfer fee
0%

While you carry a transferred balance you may not receive interest-free days on new purchases.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
1 pt per $1
Bonus categories
None
Other purchases
None
Overseas spend
None
ATO/government
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
Points don't expire while your account is open and in order.

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual fee$0Tied for best (1st of 200 cards)
Rewards value$180 a yearNot as good as most cards (67th of 95 cards)
Balance transfer0% for 6 monthsNot as good as most cards (31st of 44 cards)
Interest-free days44 daysNot as good as most cards (141st of 192 cards)
Overseas fee3.40%Not as good as most cards (149th of 200 cards)
Purchase rate21.99%Among the weakest we track (169th of 196 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Government
Product reference data (Consumer Data Right)
Issuer
Kogan Money