Balance Transfer - Kogan Money

Balance Transfer

0% p.a.

for 6 months on balance transfers

Unpaid balance transfers revert to cash advance rate.x

0% p.a. on balance transfers for 6 months

No Balance Transfer Fee applies. Reverts to Cash Advance rate at the end of the Balance Transfer Termx.

No annual fee!

That’s right, enjoy $0 annual fee on this card.

Real value rewards

Earn 2 rewards points per dollar on your eligible spend at Kogan.com# (1000 Points = $10 of Credit!)~

Why choose the Kogan Money Credit Card?

0% p.a. for 6 months on balance transfers

No balance transfer fee applies. Reverts to Cash Advance rate at the end of the Balance Transfer Term.x

$0 annual fee

A no annual fee rewards credit card

Uncapped rewards

Earn 2 rewards points per dollar on your eligible purchases at Kogan.com & 1 rewards point per dollar on your everyday purchases, almost anywhere!#

Shop & pay with points

Redeem your reward points for eligible purchases at Kogan.com using Shop with Points (1000 Points = $10 of Credit!).~ Plus, save on your bills using Pay with Points option to pay for your Kogan Essential bills.

Complimentary Membership

Get free shipping on 1000’s of products, express shipping upgrades, and exclusive specials at Kogan.com & Dick Smith

Add up to 4 additional cardholders at no cost

All eligible spend by additional cardholders contributes to your rewards!#

Visa payWave

Simply wave and go

Faster Payments with Apple Pay

Pay on the go with Apple Pay on iPhone, Apple Watch, iPad, and Mac^

Pay for whatever, whenever with Google Pay

Google Pay is the fast, simple way to pay on sites, in apps, and in stores using the Kogan Money Credit Card saved on your Google Account

Applying only takes minutes!

Mobile Wallets – Pay anywhere, anytime!

Mobile Wallets is the fast, simple and secure way to pay on sites, in apps and in stores using your Kogan Money Credit Card.

Eligibility criteria

  • Be 18 years or older and a permanent Australian resident
  • Have an Australian mobile number and a valid email address
  • Minimum income of $35,000
  • Minimum credit limit of $6,000
  • Have a good credit rating

Uncapped rewards points

Earn up to 2 rewards points per dollar.#

  • 2 Rewards Points per $1 spent on eligible purchases made at Kogan.com.
  • 1 Rewards Point per $1 spent on eligible purchases everywhere else.

You can redeem your points in one of two ways.

  1. Redeem your Rewards Points for eligible purchases at Kogan.com by linking your Kogan Money Credit Card for “Shop with Points” via your Kogan.com account.~
  2. Redeem your reward points for Kogan Essentials (including Kogan Mobile, Kogan Internet, Kogan Energy and more) transactions made on your Kogan Money Credit Card using “Pay with Points” once logged into your credit card account online or via the Kogan Money Credit Cards Mobile App and Online.§
For more information about Kogan Money Credit Card Rewards, visit koganmoney.com.au/rewards.

Annual fee $0
Retail purchase rate 21.99% p.a.
Cash advance rate 22.74% p.a.
Minimum credit limit $6,000
Maximum credit limit $30,000
Additional cardholder annual fee $0
Interest free days on retail purchases
(unless you have a balance transfer)
Up to 44Δ
Balance transfer rate at end of offer period Reverts to cash advance rate
Minimum income required $35,000

Domestic Cash Advance Fee $5 per transaction amount or 3.5% of the transaction amount, whichever is higher, for a Cash Advance inside Australia, debited to your Account on the date the Cash Advance takes place.
International Cash Advance Fee $5 per transaction amount for a Cash Advance outside of Australia, debited to your Account on the date the Cash Advance takes place.
International Transaction Fee We charge you an International Transaction Fee of 3.4% of the transaction amount, debited to your Account on the date the relevant Retail Purchase or Cash Advance takes place, of which a service and assessment fee of 1% is payable by us to Visa, for any Retail Purchase or Cash Advance transaction in:
  • foreign currency once converted to Australian dollars; and/or
  • Australian dollars (or any other currency), when either the merchant or its financial institution/payment processor is located or registered overseas, including transactions that involve dynamic currency conversion (that is where a transaction denominated in a foreign currency is converted to local currency which is a service that is offered by certain ATMs and merchants). The process of conversion and the exchange rates applied will be determined by the relevant ATM, merchant or dynamic currency conversion service provider as the case may be. We do not determine whether a Card transaction will be converted into local currency by the merchant or ATM and you may have to check with the relevant merchant or ATM provider.
Note: It may also not always be clear that the merchant or its financial institution/payment processor is located or registered overseas.
Late Payment Fee $30 debited to your Account after the Payment Due Date if at the time the fee is debited, your Account has an Overdue Amount and the balance of your Account is $50 or more.

To obtain a copy of the Target Market Determination (TMD) related to this product click here.

View all important information

All applications are subject to credit criteria. Fees, charges and Terms and Conditions apply. See the full Terms and Conditions related to this product at koganmoney.com.au/credit-cards/important-information. This offer is for new Kogan Money Credit Card customers only and cannot be used in conjunction with any other promotions or offers. If you have previously held a Kogan Money Credit Card, you will not be eligible for this offer. This offer commenced 17 March 2025. We reserve the right to withdraw or change the offer at any time without notice. This information is correct at 17 March 2025. Any interest rates shown are variable. Kogan Money Credit Cards are issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). Our/us/we/Kogan Money Credit Cards Team means NAB unless the context otherwise requires it.

xYour total Balance Transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer for a period of 6 months. The 6 months Balance Transfer Term commences when the Balance Transfer is processed. At the end of the Balance Transfer Term, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 22.74% p.a. on the Kogan Money Credit Card. Interest rates are variable and subject to change. The interest rates are current as at 17 March 2025. This offer commenced 17 March 2025. Rewards Points are not issued on balance transfers. This offer is for new Kogan Money Credit Cards Cardholders only and: we may withdraw or change the offer at any time without prior notice, at our discretion; is non-transferrable; can’t be used in conjunction with any other promotions or offers. For important information to consider before taking up a balance transfer, please refer to our Balance Transfer FAQs at koganmoney.com.au/credit-cards/FAQs.

#You can earn 2 Rewards Points per whole Australian dollar of eligible spend at 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 earns 1 Rewards 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. Note that to redeem points online at Kogan.com you are required to be the primary cardholder, have linked your Kogan Money Credit Card to your Kogan.com account and registered for “Shop with Points” at Kogan.com. 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, 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 connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation 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 Transaction will be 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 characterised as spend with a government related entity and therefore not an 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 www.koganmoney.com.au/credit-cards/important-information for full details and definitions.

Your complimentary FIRST membership is linked to the Primary Cardholder’s Kogan.com account. As the Primary Cardholder, your Kogan.com account will be set up upon approval of your application (if you don’t already have one). You will receive an email requesting that you activate your Kogan.com account and agree to the Kogan.com Terms and Conditions and Privacy Policy. You can then register for Card Rewards (which will allow you to access your FIRST membership benefits, use your Card Rewards Points towards eligible purchases at Kogan.com. To register for Card Rewards, you will need to agree to the Shop with Card Reward Points terms and conditions. You may only enrol one credit card at any time with Shop with Points. To then register for FIRST Membership, you will need to agree to the Kogan First Terms and Conditions. You will need to register for FIRST Membership within 40 days after your Kogan Money Credit Card is approved. Additional Cardholders are not eligible for complimentary FIRST Membership. FIRST Membership is administered by Kogan Australia Pty Ltd, and the complimentary FIRST membership benefit may be withdrawn or changed at any time. Note that free shipping, express shipping upgrades and exclusive specials are not available on all products on Kogan.com or Dick Smith. For further information on FIRST membership click here.

For purchases of up to $100, simply wave and go anywhere that has a Visa payWave sensor. Withdrawal limits, fees and charges may apply.

^For a list of compatible Apple Pay devices, see support.apple.com/en-au/HT208531.

~You 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 9 December 2024 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.

§You 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 9 December 2024 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.

ΔThe Interest Free Period applies when you pay the full Closing Balance from your last statement of Account by the Payment Due Date (excluding any Fixed Payment Option balance which isn’t due for payment by that Payment Due Date). No interest free period is available on Cash Advances or Balance Transfers. Whilst you have a Balance Transfer you will be charged interest on your daily unpaid balance.