Who owns Kogan Money?

Kogan Money is a Kogan.com brand but its credit cards are issued by NAB. The card credit card branding, day-to-day account management and support services are typically be handled by Kogan Money. The other current Kogan Money product, Kogan Super, is issued by Mercer Superannuation (Australia) Limited.

How can I make payments to my Kogan Money credit card?

Your repayment details are included on each credit card statement, including: BPAY payments: The Kogan Money Biller Code is 266650 and the reference number is your 16-digit account number. Direct Debit Auto Pay: You can set up a direct debit to pay the total closing balance or the minimum repayment amount on each statement by logging in to your Kogan Money account. You'll need to provide details of an Australian bank account to set it up, then payments will automatically come out by the due date on each statement.

How do I get complimentary Kogan First membership with a Kogan Money Credit Card?

You need to register for Kogan First membership within 40 days of getting approved for a Kogan Money Credit Card. You can do this by logging in to your Kogan.com account, registering for Card Rewards and agreeing to all the terms and conditions. Keep in mind that complimentary Kogan First membership is only available to the primary cardholder and your Kogan.com account should be linked to the same email address you used to apply for the credit card.

Kogan Money Credit Cards Comparison & Reviews

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Kogan Money is part of the Kogan.com network – an Australian online retailer that's been around for over 15 years.
It offers one credit card, The Kogan Money Credit Card, which offers rewards as well as shopping perks at Kogan.com. It also includes different introductory offers, ranging from introductory purchase rate to cashback on your account.
It is underwritten by NAB, and was first launched by Kogan Money in October 2019.

Compare Kogan Money Credit Cards

Finder Score	Cashback	Rewards program	Purchase rate p.a.	Annual fee
Finder score Kogan Money Credit Card - Balance Transfer Exclusive Offer ExclusiveKogan Rewards Program	Finder score	Cashback N/A	Rewards Program Kogan Rewards Program	Purchase rate p.a. 21.99%	Annual fee $0	Finder exclusive: Save with 0% p.a. for the first 18 months on balance transfers (with a one-time 2% balance transfer fee). T&Cs apply.	Go to site View details Compare product selection Compare	loading
Finder score 8.9 Great Kogan Money Credit Card Finder AwardKogan Rewards Program	Finder score 8.9 Great	Cashback $300	Rewards Program Kogan Rewards Program	Purchase rate p.a. 21.99%	Annual fee $0	View details Compare product selectionCompare	loading

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Congratulations, Kogan Money!

Kogan Money was a big winner in the 2026 Finder Awards.

Winner, Best No Annual Fee Credit Card: Kogan Money Credit Card
Winner, Best No Annual Fee Rewards Credit Card: Kogan Money Credit Card

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Benefits of getting a credit card with Kogan Money

No annual fee

The Kogan Money Credit Card charges $0 annual fee for the life of the card. Most rewards credit cards charge an annual fee, so this is a perk for cardholders who want to reward their spending while cutting back on card costs.

Rewards program

This card offers 2 rewards points per $1 on eligible spending at Kogan.com and 1 point per $1 spent on all other eligible transactions. Each point is worth 1 cent in value and you can redeem points to pay for purchases at Kogan.com or for payments to your Kogan Money Credit Card account.

Balance transfers

The Kogan Money Credit Card gives you a way to transfer an existing credit card or loan balance over to your new account. Like other balance transfer credit cards, you may be able to get a low or 0% introductory interest rate on your balance transfer – you can check for introductory offers before you apply. Just remember that balance transfers won't earn points.

Complimentary Kogan First membership

With this card, you'll save on the usual cost of Kogan First Membership – usually $99 for an annual membership. The membership benefits include exclusive member offers, free delivery on eligible purchases, express shipping upgrades and priority customer service.

Mobile wallets

You can add the Kogan Money Credit Card to Apple Pay and Google Pay to make payments straight from your mobile phone or other devices.

How to apply for a Kogan Money credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

Credit card brands similar to Kogan Money

If you want to compare the Kogan Money Credit Card to cards from other banks and brands, these 3 also offer shopping-related perks:

Frequently asked questions

Your repayment details are included on each credit card statement, including:
- BPAY payments: The Kogan Money Biller Code is 266650 and the reference number is your 16-digit account number.
  Direct Debit Auto Pay: You can set up a direct debit to pay the total closing balance or the minimum repayment amount on each statement by logging in to your Kogan Money account. You'll need to provide details of an Australian bank account to set it up, then payments will automatically come out by the due date on each statement.
You need to register for Kogan First membership within 40 days of getting approved for a Kogan Money Credit Card. You can do this by logging in to your Kogan.com account, registering for Card Rewards and agreeing to all the terms and conditions.
Keep in mind that complimentary Kogan First membership is only available to the primary cardholder and your Kogan.com account should be linked to the same email address you used to apply for the credit card.

Sources

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Written by

Amy Bradney-George

Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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Kogan Money Credit Cards

Kogan Money has a credit card that offers rewards, ongoing $0 annual fee and a 0% purchase rate promotion. Here’s what you need to know.