The Kogan Money Credit Card offers no annual fee and perks when you’re shopping at Kogan.com. As a new cardholder, you can save with 0% p.a. interest on balance transfers for the first 18 months (with a one-time 2% balance transfer fee).
Kogan Money Credit Card – Balance Transfer Exclusive Offer
Terms and conditions apply
- Balance transfer rate for 18 months with 2% balance transfer fee
- 0% p.a.
- Purchase rate
- 21.99% p.a.
- Reward point per $ spent
- 1
- Annual fee
- $0 p.a.
Our verdict
Save on card costs with 0% interest on balance transfers for the first 18 months and earn uncapped rewards points.
Pros
-
No annual fee
-
0% p.a. on balance transfers for 18 months
-
Uncapped reward points
-
Finder Score of 9.9 in the no annual fee category
Cons
-
Charges a one-time 2% balance transfer fee
-
High 22.74% p.a. interest rate for balance transfers after the introductory period
-
Outside of introductory offers, no interest-free days if you have a balance transfer
-
3.4% foreign currency fee
Details
Product details
| Product Name | Kogan Money Credit Card - Balance Transfer Exclusive Offer |
| Balance transfer rate p.a. | 0% for 18 months with 2% balance transfer fee, then 22.74% |
| Balance transfer limit | 80% of available limit |
| Purchase rate p.a. | Purchase rate p.a.21.99% |
| Interest-free days | Up to 44 days on purchases |
| Cash advance rate p.a. | 22.74% |
| Min credit limit | $6,000 |
| Card type | Visa |
Eligibility
| Available to temporary residents | No |
| Minimum income | $35,000 |
Rewards
| Rewards program | Kogan Rewards Program |
| Bonus points | N/A |
| Rewards points per $ spent | 1 |
| Rewards points cap | Uncapped |
Fees
| Annual fee | $0 |
| Minimum monthly repayment | 2% of the closing balance or $25, whichever is greater |
| Late payment fee | $30 |
| Foreign currency conversion fee | 3.4% |
| Cash advance fee | 3.5% or $5, whichever is greater |
| Overseas cash advance fee | $5 |
| Additional cardholder fee | $0 |
| Number of additional cardholders | 4 |
Congratulations, Kogan Money!
The Kogan Money Credit Card won Best No Annual Fee Credit Card and Best No Annual Fee Rewards Credit Card in the 2025 Finder Awards.
Full list of 2025 winners
Amy Finder
Journalist
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Angus Kidman Finder
February 27, 2025
Hi Jon, Kogan has paused all new credit card applications until mid-March 2025 to undergo a major upgrade of its software systems.
Tony
December 03, 2024
2 Questions.
What do you mean by: Balance Transfer Limit – 80% ? I have a credit card with $15000 limit and its nearly empty. How much I can transfer from there?
2ndly, am I able to transfer from a credit card which is in joint account with my partner?
Sarah Megginson Finder
December 09, 2024
Hi Tony,
The limit of 80% means you can transfer up to 80% of your new credit card limit. For instance, if that limit is $10,000, then you could transfer up to $8,000 across.
If you have a credit card with a $15,000 and the balance is very low, then you probably won’t get any benefit from a balance transfer card.
If you apply for a new account as joint applicants, then you can transfer the debt across from an existing joint account, but banks may not accept a debt from a joint account to a single person’s account, as you’re effectively taking on the full burden of that debt for the other person and you’re not legally responsible for it. This may vary between different lenders, so you can contact the bank directly for personal advice.
Hope this helps!
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KP
November 03, 2024
can you please elaborate on Interest-free days. Card description says “When you pay your previous balance in full by the statement due date, you can take advantage of up to 44 interest-free days on purchases. You won’t be eligible for interest-free days if you’re paying off a balance transfer.”
How will repayment work with BT?
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Angus Kidman Finder
November 04, 2024
If you’ve transferred a balance, no interest applies to that transferred balance during the offer period. But that means any new purchases won’t be eligible for a no-interest period. If you’re using the card for a balance transfer, it makes sense not to use it for new purchases and to focus on paying down that balance. But if you’re using it for everyday purchases, the interest-free days can be useful. Hope that helps.
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Luke
October 30, 2024
I’m self employed but haven’t yet done last years tax return. Can I use BAS statements and bank records as proof of income?
Angus Kidman Finder
October 31, 2024
Hi Luke, Kogan’s criteria for self-employed applicants are two years of tax returns or two years of company P&L statements – so it looks like you’d need to have done your tax return before applying. Hope this helps.
CC
September 29, 2024
2 questions: What is the fee for missed monthly repayments?
Do they accept a balance transfer from Westpac Ignite?
Sarah Megginson Finder
September 30, 2024
Hi CC,
A missed monthly payment is considered to be late, so you would be charged the listed late payment fee of $30.
There are no brands mentioned as being excluded for the balance transfer in the FAQs or the terms and conditions, so it’s likely that a Westpac card is eligible. But if you want to be certain before you apply, you can call their customer service team on 1300 415 445.
Hope this helps!
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Jon
February 26, 2025
Why is the 9.99% offer no longer available?