Need help with your application?
Continuing a saved application
If you are unable to complete your application in one session, you can select to ‘Save’ it at any time before submitting it. Once you save your application, you will receive an email containing your Application Reference Number. This number is required to retrieve your application at a later stage so you can complete it.
To retrieve your saved application, click the link provided in the email and complete the verification.
Providing your supporting documents
There are two options for uploading your documents:
- Upload your documents directly into the application.
- Follow the instructions provided in your application confirmation email after you have submitted your application.
Acceptable documents
Applicants may need to supply ONE document from each of the address and residency categories and ONE document from the relevant income/employment category below based on their employment status.
Address category
- Current driver’s licence (copy of front and back)
- A utility bill in your name, with your current address (under 90 days old)
- A current year council rate notice in your name, with your current address
- A bank statement with your current address (under 30 days old)
- A tenancy agreement, under 3 months old (prepared by a real estate agent, and not handwritten)
- A welcome letter from an energy or water company (under 90 days old, confirming your name, address and account number)
- A proof of age card (NSW, SA, NT and TAS only)
Residency category
- Medicare card (interim or reciprocal health care agreement medicare cards aren’t accepted)
- Australian passport
- Australian permanent residency
- Current Australian Defence Force photo ID
Income/employment category
Permanent
- Most recent computerised payslip, no more than 45 days old
- Bank statement (in your name) from the last 3 months showing your regular income
- Employment contract, signed by your employer (no more than 60 days old)
- A letter from your employer confirming your current employment, length of employment and gross income details (should be signed by your employer and be less than 30 days old)
- Your most recent Individual tax return (less than 15 months old)
- Your most recent PAYE payment summary (less than 15 months old)
Casual
- All payslips from the last 2 months
- Employment contract, signed by your employer (no more than 60 days old)
- A letter from your employer confirming your current employment, length of employment and income details (should be signed by your employer and be less than 30 days old)
- Your most recent Individual tax return (less than 15 months old)
- Your most recent PAYE payment summary (less than 15 months old)
Contractor
- All payslips in the last 2 months
- Your most recent Individual tax return (less than 15 months old)
- Your most recent PAYE payment summary (less than 15 months old)
Self employed
- Two most recent years Individual or company tax returns
- Two years business/company profit and loss Statements
Retiree
A bank statement from the last 3 months showing regular Centrelink payments
- An annual superannuation statement showing your pension amount
- A letter from your superannuation fund/s confirming the amount you have invested and your likely pension amount
- A letter from Centrelink showing your permanent government pension amount
If you have documents showing other income this could also support your application. For example:
- Investment income
- Trust income
- Dividend income
- Rental property income
- Centrelink allowance/benefits
We will let you know during the application process what documents you need to upload depending on the selections you have made.
Please note that we may need to contact your employer and/or your accountant to confirm your income and employment details. Please let them know in advance so that we can finalise your application.
If you don’t hold standard forms of identification such as a driver’s licence, Australian passport or Medicare card, please call us on 1300 415 445, or +612 8288 2061 if you’re calling from outside of Australia, to discuss your application with us.
Check the status of your application
Once you’ve submitted your online application, you’ll receive a confirmation email containing your Application Reference Number, and a link which you can use to check the status of your application online.
Contact us regarding your application
Our chat agents can answer any application questions. They’re available 24 hours a day, 7 days a week. Simply download the Kogan Money Credit Card Mobile App, if you haven’t already and start a chat session with us. Be sure to have your application reference number handy. Click here to download the mobile app.