¹You can earn 2 Rewards Points per whole Australian dollar of eligible spend at Kogan.com. Please note that whether or not a transaction at Kogan.com compromises as eligible spend for the purpose of earning this Rewards Point earn rate is determined by information provided by Kogan.com. Only purchases made at Kogan.com will be eligible to earn 2 Rewards Points for each Australian Dollar spent. This does not include purchases for Kogan Essentials products and services (e.g. Kogan Mobile, Kogan Internet or Kogan Energy) or purchases made at other Kogan owned websites such as Matt Blatt or Dick Smith. All other eligible spend elsewhere, earns 1 Reward Point per whole Australian dollar. Earning and redeeming Rewards Points is subject to the full details and definitions outlined in the Kogan Money Credit Cards Rewards Terms and Conditions, as amended from time to time. Earn rates are subject to change. An eligible spend is an Eligible Transaction as defined in the Kogan Money Credit Cards Rewards Terms and Conditions, and Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi branded Accounts, bank fees and charges such as interest and ATM charges, transactions made using Rewards Points and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connections with government (for example but not limited to transactions made at Australia Post, payments to the Australian Tax Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). Please note that whether or not a transaction is an Eligible Transactions will determined based on information provided either by the merchant or the relevant financial institution (including information about the type of business conducted by the merchant). This means that, for example, spend with certain merchants may be haracterized as spend with a government related entity and therefore not and Eligible Transaction, even if that merchant is not in fact a government related entity. Rewards Points are earned on Eligible Transactions only. See Kogan Money Credit Cards Rewards Terms and Conditions , available at Kogan Money Credit Cards Rewards Terms and Conditions for full details and definitions.

²You are required to be a Kogan.com Account Holder, and register Your Card for “Shop with Points” with Your Kogan.com account to be eligible to redeem using Pay with Points at Kogan.com. Kogan.com accounts are subject to the Kogan.com Terms and Conditions, and Shop with Points is subject to Kogan’s Terms and Conditions for Using Shop with Card Reward Points at Kogan. Once You have registered Your Card, Pay with Points will appear as a payment option on selected products on Kogan.com. If You make a partial Rewards Points redemption, the remaining balance will be charged to Your chosen payment option by Kogan.com. Items purchased using Pay with Points are also subject to the Kogan.com Terms and Conditions and return policy, which can be found at www.kogan.com/au/tcs-landing/. You do not earn Rewards Points on the portion of Your redemptions made with Your Rewards Points at Kogan.com. You may only enrol one credit card at any time with Shop with Points. Additional Cardholders are not eligible for Pay with Points. 1 Rewards Point equates to $0.01. Rewards Point value is accurate as at 6 March 2023 but subject to change. Please refer to the full Kogan Money Credit Cards Rewards Terms and Conditions, available at koganmoney.com.au/credit-cards/important-information.

³You may use Your Rewards Points to pay for certain selected transactions that We present to You via SMS, Kogan Money Credit Cards Online and the Kogan Money Credit Cards Mobile App. Only selected transactions that You have made and that We present to You can be redeemed using Pay with Points. You must follow the instructions where You are provided with the option to pay for a selected transaction with Your Rewards Points. We will process that credit to Your Account within 2 Business Days. Only the Primary Cardholder is eligible for Pay with Points. 1 Rewards Point equates to $0.01. Rewards Point value is accurate as at 6 March 2023 but subject to change. Please refer to the full Kogan Money Credit Cards Rewards Terms and Conditions, available at koganmoney.com.au/credit-cards/important-information.

⁴Terms and conditions apply to the use of Apple Pay. Apple Pay is available on compatible Apple devices. Apple, the Apple logo, Apple Pay, Touch ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.

⁵For Google Pay, the contactless terminal must have an NFC reader. For certain merchant terminals, a transaction limit may apply. Terms and conditions apply to the use of Google Pay. Google Pay is available on compatible Android mobile devices. Google, Android, Google Pay and Google Wallet are trademarks of Google LLC.