Frequently asked questions
Applying for a Kogan Money Credit Card
To be eligible, you must:
- Be 18 years old, or older;
- Have an Australian mobile number and valid email address;
- Be an Australian resident for tax purposes; and
- Be an Australian or New Zealand Citizen, an Australian Permanent Resident or a non-resident holding an acceptable Temporary Residency Visa.
The following Visa categories are not acceptable:
- Visitor Visa (exception, a Special Category Visa – NZ Citizen is acceptable), Working Holiday, Student, Exchange/gap year, Transit/short stay/seasonal and Bridging
You’ll need to provide at least one form of ID in the application form:
- Australian driver’s licence.
- Australian passport.
- International passport.
Please have your smart phone handy as part of the application process to complete an identity check electronically.
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 contact us via the Chat function in the Kogan Mobile App) to discuss your application with us.
Information you need to give us
- Driver’s licence number (if you have one).
- Your current employment status.
- Your income, before and after tax.
- What assets you own, including cars and houses.
- What debts you owe, including personal loans, home loans, other credit cards or buy now, pay later accounts.
- Your general living expenses, including food and groceries, recreation, education and dependents, rent, medical and health, insurance, vehicle and transport.
If you are using a Mac:
- Open the image in ‘Preview’
- Click on ‘Tools’ > ‘Adjust Size’
- Ensure ‘Scale proportionally’ is checked and then either select a smaller size from the ‘Fit into dropdown’ or enter a smaller Width or Height
- Check the ‘Resulting size’ area to see if the image is now below 2.5MB
- Click ‘OK’
If you are using Windows:
- Open the image in Microsoft Paint
- Select ‘Home’ > ‘Resize’
- Ensure ‘Maintain aspect ratio’ is checked and then enter a smaller horizontal % and click ‘OK’
- To save the new image, click ‘File’ > ‘Save’
- Go to Windows Explorer and check if the image is now below 2.5MB
After submitting your application, it takes us around 60 seconds to let you know whether you’re conditionally approved, if your application needs further review or if we’ve been unable to approve your application on this occasion.
To receive the quickest decision, please ensure that you reply as soon as possible to the email we will be sending you and attach all the requested verification documents.
You can track the status of your application by contacting us and referencing the Application Reference Number that we provide you after you have submitted your application.
Your Application Reference Number will be displayed onscreen after you have submitted your application. It will also be mentioned in the email you will receive after the submission of your application.
The Kogan Money Credit Cards Terms and Conditions can be found here.
Balance Transfer and Instalment Plans
Balance transfers can help you save on interest charges by letting you move the balance(s) on your other eligible credit cards or loans to your Kogan Money Credit Card at a promotional interest rate, for a set period.
All purchases you make on your Kogan Credit Card during the set period will be eligible for an interest free period if you pay the Interest Free Days Payment amount show on your statement by the Due Date, while you have a Balance Transfer.
At the end of that period, the interest rate on any outstanding transferred balance (and any related fees or interest) will revert to the applicable Annual Percentage Rate for Cash Advances.
New customers can apply for a balance transfer in the application form, as part of the credit card application process.
You can request a transfer for amounts between $500 and 80% of the available Credit Limit on your Kogan Money Credit Card.
Some balance transfer offers include a balance transfer fee. This fee is calculated as a percentage of the total amount being transferred and is added to the balance transfer amount.
For example, a balance transfer amount of $10,000 with a 2% balance transfer fee will be charged a balance transfer fee of $200 and results in the outstanding balance of your Kogan Money Credit Card increasing to $10,200.
Balance transfers are processed between 5 to 7 business days from approval of your application.
If you haven’t used your account you agree that the processing of your Balance Transfer will be acceptance of the credit card offer.
No, having a Balance Transfer does not mean you will lose interest-free days on new purchases.
An interest free period is available on your account, if you pay the Interest Free Days Payment advised on your monthly statement.
When your balance transfer period ends, any remaining balance will be charged interest at the applicable Annual Purchase Rate for Cash Advances.
As the promotional interest rate offered on balance transfers is generally low, and may be 0% p.a. during the promotional period, payments will be applied to amounts that have a higher interest rate such as purchases or cash advances before being applied to your balance transfer.
An Instalment Plan allows you to make your repayments in monthly instalments at a fixed rate over a set term.
You can use an Instalment Plan to receive cash from $500, up to your available credit limit. You can then repay in Monthly Instalments at fixed rate over a set term.
The Instalment Plan uses part of your existing credit limit. As you pay off your Instalment Plan amount, the amount(s) you pay off will become available for you to use again as part of your credit limit.
Yes, the Interest Free Period applies to Retail Purchases when you pay the Interest Free Days Payment in full by the Payment Due Date.
Your Instalment Plan repayment appears on your monthly statement and is included in your Minimum Payment Due. You pay it in the same way you make a regular payment, with the ways you can do this shown on your monthly statement.
Yes. If you’d like to make an additional repayment on your Instalment Plan, simply chat with us by using the Kogan Money Credit Cards Mobile App or Online. Once you receive a confirmation from us, you can make an additional repayment to your Kogan Money Instalment Plan.
Yes, you can pay off your Kogan Money Credit Cards Instalment Plan at any time, without early repayment fees. To pay off your instalment balance you will need to pay all other amounts owing on your credit card first before extra payments will be applied to your instalments amounts that are not yet due.
Changes to services between February and March 2025
Your card will continue to work for purchases and transactions as normal, however, there may be some disruption when withdrawing funds or checking your account balance at an ATM.
As we prepare to transition to new systems, some account services and features will be temporarily unavailable. These include:
- Adding an additional cardholder will be temporarily unavailable from 25 February 2025.
- If you close your account between 8 March 2025 and 17 March 2025 and have credit owing to you, the automatic credit balance refund option will be unavailable. You can claim the credit balance owing to you by calling us on 1300 415 445.
- Between 12 March 2025 and 17 March 2025 you’ll need to call us on 1300 415 445 to block a lost or stolen card as you won’t be able to do it online.
Complaints
Please tell us about your concern so that we can assist you in resolving any concerns you may have. Ensure you provide us with as much detail as you can, including dates, times, and key events.
Phone: 1300 350 525 or +61 2 8908 6196 if outside Australia
Online: Log in and chat with us about your problem or make an online complaint here.
Where possible we will try to resolve your complaint on the spot, however, depending on the nature of your complaint we may need more time to work through it with you.
- If your complaint is not resolved within 21 days, we will write to you to provide you with an update and an explanation for the delay.
- Under exceptional circumstances it may take up to or more than 30 days to resolve your complaint. If this happens, we will write to you to provide a further update.
- We take into consideration any timeframes for responding to complaints or disputes as set out in relevant legislation, regulatory guidelines, or industry code of conduct.
The first thing to do is talk to one of our consultants about your concerns. Our consultant will try to resolve your complaint to your satisfaction and if not escalate it to a Complaints Specialist Case Manager within our Customer Resolutions Team. Our Customer Resolutions Team is contactable by:
Email: customerresolutions@cards.koganmoney.com.au
Phone: 1300 350 525 or +61 2 8908 6196
Mail: Customer Resolutions, Reply Paid 2870, Melbourne VIC 8060
If you feel the dispute resolution process was unfair, that your complaint was not resolved within the appropriate timeframe, or if you remain unhappy with the outcome, you can contact the Australian Financial Complaints Authority (AFCA).
AFCA offers an independent dispute resolution process to individual customers who have been through our internal complaints process.
Online: www.afca.org.au
Phone: 1800 931 678 (free call) or Fax: 03 9613 6399
Mail: Australian Financial Complaints Authority (AFCA), GPO Box 3, Melbourne VIC 3001
Deceased Estates
The loss of a family member or friend is a difficult time in your life, and we are here to help.
Once we are notified that a customer has passed away, a letter will be sent outlining the additional information required, which will include information on who can act as the “eligible representative” and the supporting documents required from them. At the same time, a hold will be placed on the card(s) on the deceased customer’s account, which means that any Additional Cardholder(s) on the account will no longer be able to spend on their cards.
After we receive the required documents, we will work with the eligible representative to finalise the Estate.
You do not need to be acting in an official capacity, on behalf of the Estate, to provide us with initial notification of the deceased customer’s passing. If you need to contact us about the loss of a loved one you can do this over the phone or through mail.
By phone:
1300 917 933 or +61 2 8288 2061 if calling from overseas
By mail:
Attn: Estate Management
GPO Box 40
Sydney NSW 2001
You do not need to be acting in an official capacity, on behalf of the Estate, to provide us with initial notification of the deceased customer’s passing.
Once we have been advised of a customer’s passing, credit card(s) will be cancelled and will not work. Any Additional Cardholders on the account will no longer be able to use the credit card(s).
We will also:
- Identify Accounts held in the deceased’s name with other NAB Group businesses. This includes NAB, ubank, Advantedge, JBWere and nabtrade. The legal representative(s) of the estate may receive separate letters from these NAB Group businesses where the deceased has banking or other financial products with them.
- Cancel any direct debits, periodical payments, or other regular payments
- Cancel all credit cards (including any cards held by secondary cardholders)
- Switch off any internet banking arrangements and digital access
- Identify any fees that shouldn’t be charged, refund them and stop charging those fees. Please note that this applies only to fees charged from the date of the customer’s death.
We will also issue a letter outlining if we require additional information and documents, and who can act as the eligible representative. This initial letter will be sent to the person who provided us with the initial notification.
After we receive the required documents, we will provide comprehensive account information and work with the legal representative to finalise the estate.
Only the “eligible representative” will be able to access information on the account, after we have received and verified the required documentation. The following people can act as the eligible representative:
- Executor
- Next of Kin
- Solicitors acting on behalf of the Deceased Estate
- Public Trustees acting on behalf of the Deceased Estate
The eligible representative can request a list of all the direct debits and recurring payments on the account, over the past 13 months, by calling our Customer Support Team on 1300 415 445. We can also assist with cancelling direct debit transactions.
Information on what is needed to finalise the Estate are included in the letter that we will send once we are initially notified of the deceased customer’s passing.
The “eligible representative” will need to provide a copy of at least one of the documents listed below:
- Death Certificate
- Doctor’s medical certificate
- Funeral bill
- Solicitor’s or Coroner’s Letter
- Grant of Probate
- Letters of Administration
- A certificate issued by the public trustee or Trustee Company authorised to do so.
The document(s), should be sent to us at:
Attn: Estate Management
GPO Box 40
Sydney NSW 2001
Once we have received documentation to officially notify us of the death, we will reverse any interest and fees charged from the date of death.
If a balance is owed, we will send the “eligible representative” a letter confirming the balance as at the date of death, along with the most recent statement which includes payment details. If no balance is owed, we will simply close the account and send a letter confirming this. If the account is in credit, we will send a bank cheque to the executor of the Estate.
The Estate is responsible for the debts of the deceased customer.
When you send the documents needed to finalise the Estate, please include a cover letter with the account number and name of the deceased. There is no specific form that needs to be sent with these documents.
Once we’ve been notified and received all required documents, we expect to complete the following within 14 business days:
- Verify the death.
- Identify the Legal Personal Representative(s).
- Send letters confirming details of the accounts held by the deceased.
If we’re missing required information or documents, and you’ve provided your phone number, we’ll try to call you to discuss the matter. We’ll then follow up in writing with details of what we need.
Once we have been advised of a customer’s passing, we’ll place a hold on the account(s) held by the deceased customer, and no further purchases will be able to be made. If there are any Additional Cardholders on the account, their card will also stop working.
We will also send a letter outlining the additional information we need to receive, which will include information on who can act as the eligible representative, and the supporting documents that we will need to receive from them. This letter will be sent either to the legal address of the deceased or, if requested by the person who provided us with the initial notification, to another address of their choosing.
The eligible representative can request Account statements, by calling us on 1300 917 933 or emailing us on bereavementservices@cards.koganmoney.com.au
The Estate is responsible for the debts of the deceased customer.
You do not need to be acting in an official capacity, on behalf of the Estate, to provide us with initial notification of the deceased customer’s passing. If you need to contact us about the loss of a loved one you can do this over the phone or email.
By phone: 1300 917 933
By email: bereavementservices@cards.koganmoney.com.au
Once we have been advised of a customer’s passing, credit card(s) will be cancelled and will not work. Any Additional Cardholders on the account will no longer be able to use the credit card(s).
We will also:
- Identify Accounts held in the deceased’s name with other NAB Group businesses. This includes NAB, ubank, Advantedge, JBWere and nabtrade. The legal representative(s) of the estate may receive separate letters from these NAB Group businesses where the deceased has banking or other financial products with them.
- Cancel any direct debits, periodical payments, or other regular payments
- Cancel all credit cards (including any cards held by secondary cardholders)
- Switch off any internet banking arrangements and digital access
- Identify any fees that shouldn’t be charged, refund them and stop charging those fees. Please note that this applies only to fees charged from the date of the customer’s death.
We will also issue a letter outlining if we require additional information and documents, and who can act as the eligible representative. This initial letter will be sent to the person who provided us with the initial notification.
After we receive the required documents, we will provide comprehensive account information and work with the legal representative to finalise the estate.
We will act on the following instructions from a legal personal representative(s) regarding a deceased customer’s accounts within 14 business days:
- Instruction to provide all information about the account(s)
- Instruction to receive payment towards a debt owed to us
We will act on the above instructions subject to:
- Verification of death
- Receiving all required documents to confirm your authority as legal personal representative
If we’re missing required information or documents and you’ve provided your phone number, we’ll try to contact you by phone to discuss. We’ll then follow up in writing detailing what we need.
We will send the legal representative a letter confirming the balance as at the date of death.
For all estates, we’ll need the original documents or certified copies of the following:
- Proof of death: such as death certificate, funeral invoice, Grant of Representation or Government Agency Correspondence.
- Either a will (if applicable) or if there’s no will, next of kin proof of relationship.
- Proof of identity for all legal personal representatives: government-issued photo ID, such as a driver licence, or passport
- Completed and signed Closing account and releasing funds for a Deceased Estate form.
Information on what is needed to finalise the estate will also be included in the letter that we will send once we are initially notified of the deceased customer’s passing. The document(s) should be sent to us at bereavementservices@cards.koganmoney.com.au.
Once we have instructions and acceptable documents and information from all confirmed legal personal representative(s), we will act on those instructions to finalise accounts within 14 business days.
If we’re missing required information or documents and you’ve provided your phone number, we’ll try to contact you by phone to discuss. We’ll then follow up in writing detailing what we need.
Once we’ve been notified and we’re able to confirm you have the authority, for example you’re the legal personal representative, we will issue a letter confirming:
- details of all accounts held with us
- the balance at the date of death
- information about the accounts including ongoing direct debits
- other helpful information
Kogan Money Credit Cards Extra Care Support
When things don’t go right, we are here to help. Please visit our Extra Care hub to discover the ways we can support you.
For example, if you’re impacted by a natural disaster, are impacted by elder abuse or domestic violence, or your financial circumstances have changed, we can help.
You’ll find our customer care resources to help you through life’s rough patches, including the ways we can help you directly, and the details of other organisations who can provide specialist services, as you need.
If you’re experiencing a vulnerability, including domestic or family violence, elder financial abuse, illness please contact our dedicated customer support team on 1300 824 944.
Please visit our Extra Care hub to discover additional ways we can support you.
If you are unable to make a credit card payment or think you may have trouble making your credit card payments in the future, please contact us on 1800 133 397 so we can discuss what financial support might be appropriate for you.
Yes, you can set up a Letter of Authority to nominate your preferred person to help discuss arrangements on your account if you are experiencing financial difficulty.
Financial Crime and Sanctions
We’re committed to protecting our customers by meeting our legal and regulatory requirements in the areas of financial crime and creating a hostile environment for criminal activity.
This includes:
- Implementation of an anti-money-laundering and counter-terrorism financing (AML/CTF) program.
- Education to help our customers understand and protect themselves from the risk of fraud.
- Compliance with international anti-bribery and corruption rules and regulations, including making our Anti-Bribery and Corruption Policy available.
- Implementation of our Sanctions Program.
You can learn more about how we manage our financial crime and sanctions obligations here.
Financial Assistance and Support
If you are experiencing financial difficulty which means you can’t keep up with your payments, please contact us on 1800 133 397.
We can work with you to find a solution that best meets your needs – the following options may be available:
- Reduced payment arrangement – if you can’t make the full or minimum monthly repayments, it’s best to keep making smaller payments if you can. We may discuss a reduced payment arrangement with you.
- Temporary payment break – If you can’t make payments we may discuss a temporary payment break for you. We will also discuss with you a plan for you to be able to resume repayments, following the payment break.
Please note that amounts in arrears, and interest that you incur, will continue to increase whilst you have one of the above arrangements in place, so these options may not be suitable. You will also not be able to use your card for the duration of these arrangements.
If you are experiencing financial difficulty due to factors such as unemployment, injury, illness or natural disaster, we have a Financial Hardship program available to help you. You can request assistance by:
- Calling us at 1800 133 397, or
- You can complete a Hardship Application form, which can be downloaded from the Important Information page. Then email the completed Hardship Application form to customer.care@cards.koganmoney.com.au. We will then be in contact with you to discuss support options further.
Before you apply for financial hardship assistance, you should read the important information below:
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.
If we have received your request for hardship assistance by way of the application form, one of our representatives will contact you to discuss your situation and solutions that may be available to assist.
- You are not required to provide supporting documents at the time you submit your application. If we do require supporting documents, we will let you know.
- If you have been or are still paying for insurance on any of your Credit Card account(s) or Personal Loan product(s), you may be eligible to make a claim with the insurer. Your account statement will indicate the name of the insurer you need to contact. However, an insurance policy wouldn’t preclude you from applying for financial hardship assistance, if you still require it.
- Your card/account may be suspended from the time we receive your application for hardship assistance, and if approved, during the entire period you are on financial hardship. Ability to transact post your financial hardship assistance will be based on your card or account status.
You can check your credit file through the credit reporting bodies we work with:
For more information about credit reporting, visit the Australian Retail Credit Association’s CreditSmart® website.
Contact Us
If you would like further information on how we may be able to assist you, are experiencing financial difficulty in meeting your commitments or would like assistance with completing an application, please call us on 1800 133 397, Monday to Friday from 8am to 8pm and Saturday from 9am to 1pm.
Need More Help
You can get free independent counselling and advice from a Financial Counsellor.
For a comprehensive listing of Financial Counsellors please visit the FCA website: financialcounsellingaustralia.org.au/Home
To talk to a Financial Counsellor by phone (or for referral) call 1800 007 007 from anywhere in Australia.
You may also find the following websites helpful, which provide information on managing your money:
Before and after the hardship assistance period ends, we’ll report repayment history information (RHI) against your standard repayment obligations under your credit contract (rather than against the terms of your financial hardship arrangement) to the credit reporting bodies. When we report RHI, we’ll tell the credit reporting bodies if you are up-to-date with repayments under your credit contract or if you are overdue.
We provide this information to each of the credit reporting bodies we work with (Equifax, Experian and illion) monthly. Credit providers might access the information to assess your creditworthiness if you’re applying for more credit.
If your account is overdue at the end of your hardship assistance period, this will be reflected in your RHI within 14 days of your hardship assistance ending unless we’ve agreed to provide further assistance. The RHI provided to credit reporting bodies will reflect how many months overdue the account is.
RHI reporting will remain on your credit report for 24 months. RHI can impact your credit score and credit providers might access this information to assess future lending applications.
For more information on Kogan Money Credit Cards credit reporting practices, review our Privacy Notification.
Your credit report shows whether you have made your credit card repayments on time for your account(s). This is known as your repayment history information (RHI).
Importantly, your credit report:
- won’t show missed payments during a financial hardship arrangement provided you make the repayments agreed as per the arrangement (if any),
- won’t include the reason for the financial hardship arrangement, and
- won’t show any information about your financial hardship arrangement after twelve months.
As your Kogan Money Credit Cards account is regulated by the National Credit Code (NCC) then, for the period that a financial hardship arrangement is in place, we’ll report Financial Hardship Information (FHI) to the credit reporting bodies. This shows that a financial hardship arrangement was agreed with you.
During the arrangement, your repayment history information will show that you’ve made your repayments on time provided you meet the agreed payments of the financial hardship arrangement (if any).
If you don’t have any repayment obligations during your financial hardship arrangement at all (sometimes called a “payment break”), you’ll be reported as up-to-date while the financial hardship arrangement remains in place.
Credit reporting bodies are not allowed to use Financial Hardship Information in the calculation of your credit score. For more information, please refer to CreditSmart®.
If you have called us to request hardship assistance, we should be able to reach a resolution with you in that call, which we will confirm by writing to you to confirm the resolution. If you request hardship by sending us the application form, we will be in touch to discuss your situation and solutions that may be available to assist you.
Instalment Plans and Balance Transfers
There are no changes to any Balance Transfers you currently have.
Yes, any existing Instalment Plans that you have will continue. However, you won’t be able to change the term of your existing Instalment Plans after 10 March 2025.
New cash and statement Instalment Plans: From 13 February 2025 new cash Instalment Plans and statement Instalment Plans will be unavailable.
Instalment Plans at Kogan.com (also known as Fixed Payment Options) which allow you to convert eligible purchases into instalments: Will be unavailable from 7 March 2025 for Kogan Money Credit Card holders. We’re working to bring these features back in late 2025.
Keeping you informed
As we get closer to launching the new Kogan Money Credit Cards Mobile App, both the current and new app may be visible in the app store for a short period of time. You can continue using the Kogan Money Credit Cards app with the black icon until 17 March 2025 when you will need to switch over to our new app with red icon.
You’ll find detailed information about upcoming changes in the email we sent you. If you didn’t receive it, chat with one of our Customer Service Consultants through the Kogan Money Credit Cards Mobile App.
Managing your account
You can update your address and contact details via the Kogan Money Credit Cards Mobile App. Go to More > Profile settings > My details.
You can also update your address and contact details via Kogan Money Credit Cards Online by clicking on Profile Settings at the top right corner and then My details.
Please start a chat with us in the Kogan Money Credit Cards Mobile App or Online or visit the Contact Us page.
The minimum credit limit for our credit card is $6,000.
The maximum credit limit for our credit card is $30,000.
You can request a decrease to your Credit Limit, but please note that your Credit Limit can’t be lower than your card’s minimum (the minimum limit for Kogan Money Black Card is $6000) or your current outstanding balance. To decrease your Credit Limit log into your Kogan Money Credit Cards Mobile App or Online and from the home screen tap Manage Card > Change your credit limit > Decrease credit limit.
A statement shows all the activity on your Account for a period (Statement Period). It includes how much you’ve spent, the amount you need to pay, the date by which the payment must be received and how to make that payment.
We will generally send or make a statement of Account available to you each month.
We’ll send you an email or SMS to let you know when your statement for the month is available. You can view your statement via the Kogan Money Credit Cards Mobile App or Online.
To access your statements via the Kogan Money Credit Cards Mobile App or Online, choose your Account and then select ‘View statements.’
Kogan Money Credit Card statements are only available electronically (as outlined in the Terms and Conditions for this product). If you need a printed copy of your statements, please download and print them.
If you need to receive printed statements, please contact us. You may also withdraw the consent to receive statements electronically at any time by contacting us. However, if you withdraw the consent, we may need to close your account. If we decide to close your account after considering all relevant circumstances, we will provide 30 days’ prior notice.
Where possible, we will communicate with you about your Card or Account via electronic channels like email. You will still need to maintain a current mailing address with us, as we can’t use electronic channels for all communication.
You can view letters online in the Kogan Money Credit Cards Mobile App or Kogan Money Credit Cards Online under Profile settings > Documents > View letters
Please contact us via Chat in the Kogan Money Credit Cards Mobile App or Online.
Make sure to redeem your Rewards Points prior to Account closure as any outstanding rewards points balance will be forfeited upon Account closure.
Managing your account
Your chosen account must be in your name, and there must be enough funds available on the Payment Due Date (listed on your statement) to avoid missed payments and subsequent fees or charges. Here’s how to set up a new AutoPay after 17 March 2025:
1. Go to koganmoney.com.au/important-information
2. Download and print the Direct Debit Request (AutoPay) form
3. Complete and sign the form
4. Return your completed form to us via the email or mailing address provided. We’ll process the request within 3-5 business days of receiving your completed form
Once the payment has been set up, please note it can take up to 2 business days from the date of the payment for your Direct Debit AutoPay payment to be cleared from the bank account being debited. Until the payment is cleared, these funds will not be available for use.
We will move your existing scheduled AutoPay Payments to our new system during the transition.
Your payment options:
- Total Minimum Payment Due : As shown on your monthly statement. This may include Overdue and Overlimit amounts.
- Full Payment (Closing Balance or Interest Free Days Payment) : This will debit the Closing Balance or the Interest Free Days Payment if you have an Instalment Plan or Balance Transfer. The Interest Free Days Payment excludes Instalment balances not yet due and Balance Transfer amounts (including any amount owing after the Balance Transfer promotional period expires). If you want to reduce Balance Transfer amounts, you’ll need to make extra payments.
Things to be aware of:
- Additional payments received between the statement date and the day before the Payment Due Date may not reduce the direct debit payment amount. However, we won’t debit more than the Closing Balance on your statement or an amount that would bring your account into credit.
- To set up a new AutoPay after 17 March 2025, you’ll need to complete a Direct Debit Request form until this feature returns to our self-service channels.
Yes. We’ll move your scheduled BPAY® payments to our new system during the transition.
If you have given your card details to a merchant to make regular payments, such as subscription services or regular bills, these payments will continue.
The $15 dishonour fee will be removed from 17 March 2025.
We’ll send you an email each month to let you know when your statement for the month is available to view in the Kogan Money Credit Cards Mobile App or Kogan Money Credit Cards Online, rather than sending your statement directly to you via email.
You can view 2 years’ worth of previous statements in both the new Mobile App and Online.
Managing your rewards
Shop with Points and Pay with Points will be temporarily unavailable between 13 March 2025 and 17 March 2025.
Please note selected transactions that you made prior to 17 March 2025 and that we present to you for redemption via Pay with Points will not be available after our system change. Only transactions posted from 17 March 2025 will be selected and presented to you for redemption via Pay with Points through the rewards portal on the new system.
From 17 March 2025, your rewards points balance will no longer appear on your statement. You will be able to view your rewards points balance, Pay with Points and track the rewards you earn on each settled eligible purchase via the new rewards portal in your new Kogan Money Credit Cards Mobile App and Online. You will also be able to view your rewards points balance in your mobile app and online experience.
We’re also extending the period you can select new eligible transactions to Pay with Points from 90 days to 150 days.
Mobile App and Online Servicing
The Kogan Money Credit Cards Mobile App and Kogan Money Credit Cards Online share the same login.
Your password was set during the application process, and your Kogan Money Credit Cards User ID would have been communicated to you when your Card was created. If you’ve forgotten either of these details, go to the login screen for Kogan Money Credit Cards Online and select the appropriate link to retrieve your Kogan Money Credit Cards User ID or reset your password.
- You can download the app from the Apple App Store or Google Play store, it will be the Kogan Money Credit Cards Mobile App with the red icon.
- Retrieve your new Kogan Money Credit Cards User ID and set a new password directly from the app. First time users will be guided through these steps once you get there.
- Complete set up of your app settings, including biometric login if you prefer to use it when logging in.
No, you can only log in to the app on one device at a time.
Go to the login screen for Kogan Money Credit Cards Online and select the appropriate link to retrieve your Kogan Money Credit Cards User ID or reset your password.
- Check your current available balance
- Review your transactions
- See your payment due, and when it needs to be paid by
- Temporarily lock your Card
- Update your PIN
- Make BPAY® payments to existing billers
- View your statements
- View your Rewards Points balance
- Chat with us
- Enable and customise your alert preferences
- Check your current available balance
- Review your transactions
- See your payment due, and when it needs to be paid by
- Temporarily lock your Card
- Report your Card as lost or stolen
- Request a replacement Card (for example, if your current card is damaged)
- Update your PIN
- Make BPAY payments
- View your statements, notices and secure messages
- View and manage your Kogan Money Credit Card Rewards
- Change your address and contact details
- Decrease your Credit limit
- Update your marketing preferences
- View available offers
- Enable and customise your alert preferences
An OTP is a unique PIN that is generated in the Kogan Money Credit Cards Mobile App or can be sent by SMS to your registered mobile phone.
OTPs allow us to authenticate your identity before you update your personal details or request other changes to your Account and preferences.
After you log in, you will be able to view your Account balance, transaction history and view available offers without entering an OTP.
Depending on which other features you want to access, you may be asked to enter an OTP.
We take the security of your account and personal information seriously, which is why we require this additional layer of authentication before you can access some features.
Please check your personal details in Kogan Money Credit Cards Online or the Mobile App to confirm that your registered mobile number is up to date. If you’ve checked your mobile number and still aren’t receiving OTPs, or you are unable to log in, please contact us for assistance.
No, you will need a mobile phone to receive an OTP.
You can still receive an OTP via SMS when overseas, however please be mindful of potential charges from your mobile carrier.
Mobile Wallets
Yes, you can add your Card to Apple Pay or Google Pay. For more information, please visit:
Yes, you will collect the same number of Reward Points when you pay with your card through Apple Pay or Google Pay.
Open Banking
Open Banking is part of the Consumer Data Right, and it gives you the option to share your banking information with accredited third parties, including financial institutions. It makes it easier to manage, compare and switch banking products and services.
To learn more, including how to use open banking, please see our Open Banking information page and our Consumer Data Right Policy.
Paying Your Account
Your monthly statement will tell you the payment due, as well as the date the payment needs to be received by. Alternatively, you can also view this information on your Kogan Money Credit Cards Mobile app or Online. Go to Account Details and then click on Repayment Details.
You will be charged a Late Payment Fee each time we don’t receive the payment due by the Payment Due Date. A list of all fees and charges are available here.
You can choose to pay your account through:
- Direct Debit Request (AutoPay)
- BPAY
Direct Debit Request (AutoPay) can be a convenient way to automate your monthly credit card repayments – reducing the hassle of having to remember due dates. Once set up, your repayments will automatically be deducted each month from the bank account you choose. Your chosen account must be in your name, and there must be enough funds available on the Payment Due Date (listed on your statement) to avoid missed payments and subsequent fees or charges.
How to set up a Direct Debit Request (AutoPay)
- Go to koganmoney.com.au/important-information
- Download and print the Direct Debit Request (AutoPay) form
- Complete and sign the form
- Return your completed form to us via the email or mailing address provided
You have 3 different payment options for your Direct Debit Request (AutoPay):
- Total Minimum Payment Due – as shown on your monthly statement. This may include Overdue and Overlimit amounts.
- Fixed Payment – an amount of your choosing. This amount must be $25.00 or more. We will debit the fixed amount that you enter or the Total Minimum Payment Due, whichever is greater. If the Closing Balance on a monthly statement is less than the fixed payment amount, the Closing Balance amount will be debited.
- Full Payment (Closing Balance or Interest Free Days Payment) – This will debit the Closing Balance or the Interest Free Days Payment if you have an Instalment Plan or Balance Transfer. The Interest Free Days Payment excludes Instalment balances not yet due and Balance Transfer amounts (including any amount owing after the Balance Transfer promotional period expires). If you want to reduce Balance Transfer amounts, you’ll need to make extra payments.
Things to be aware of
Additional payments received between the statement date and the day before the Payment Due Date may not reduce the direct debit payment amount. However, we won’t debit more than the Closing Balance on your statement or an amount that would bring your account into credit.
It can take up to 2 business days for your Direct Debit Request (AutoPay) payment to be cleared from the bank account you have nominated to be debited. Until the payment is cleared, these funds will not be available for use.
Contacting us about your Direct Debit
If you wish to notify us in writing about anything relating to a Direct Debit agreement, you should write to us at:
Kogan Money Credit Cards
GPO Box 9992
Melbourne VIC 3001
You may also contact us via Chat in the Kogan Money Credit Cards App or Online.
You can make one-off or recurring bill payments with BPAY® through the Kogan Money Credit Cards Mobile App or Online.
BPAY® payments to existing billers
- Log in to your account
- Select Pay
- Scroll to Make payments
- Select Pay a Bill (BPAY®)
- Choose an account to pay from
- Choose a saved biller to pay
- Follow the prompts
BPAY® payments to new billers
- Log in to your account
- Select Pay
- Scroll to Make payments
- Select Pay a Bill (BPAY®)
- Choose an account to pay from
- Scroll to Add new biller and follow the prompts
Please note, payments submitted before 6:00pm AEST/AEDT on a business day are usually received in one business day.
Payments submitted after 6:00pm AEST/AEDT or anytime on a weekend/public holiday are usually received in two business days.
Rewards
You can view your Rewards Points balance on your statement, in Kogan Money Credit Cards Online and in the Kogan Money Credit Cards Mobile App located under ‘Rewards’.
If you would like to claim for missing Rewards Points, you can chat with us by logging into the Kogan Money Credit Cards Mobile App > ‘Help’ > ‘Chat with us’.
Earn up to 2 Rewards points per whole Australian dollar spent on your eligible purchases at Kogan.com and 1 Rewards point per whole Australian dollar for all other eligible everyday spend, uncapped.
You can redeem your Rewards Points in two ways:
- 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.
- You can use your Rewards Points for purchase at the Kogan.com checkout. For more information refer to the Kogan Money Credit Cards Rewards Terms and Conditions.
No, you are unable to transfer Reward Points to a Frequent Flyer program. You may redeem Rewards Points for eligible purchases on Kogan.com using Pay with Points or for certain eligible transactions that we present to you via SMS, Kogan Money Credit Cards Online or the Kogan Money Credit Cards Mobile App.
If you have not received a product you have purchased from Kogan.com using your Rewards Points, please contact Kogan.com for assistance. Click here for help options available.
Rewards Points are awarded in respect of Eligible Transactions. The number of Rewards Points awarded is calculated by reference to the Australian Dollar amount of the Eligible Transaction.
You will earn the following:
- 2 Rewards Points for each whole Australian Dollar spent on Kogan.com
- 1 Rewards Point for each whole Australian Dollar, for all other Eligible Transactions.
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 travelers’ 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). For more information, please see the Kogan Money Credit Cards Rewards Terms and Conditions.
No, rewards points cannot be transferred to other individuals.
Yes, you can make a partial Shop with Points redemption. The remaining balance will be charged to your chosen payment option.
If you have received a faulty or damaged product purchased from Kogan.com using your Rewards Points, please contact Kogan.com for assistance.
Your Rewards Points earn is uncapped.
To re-link your Kogan Money Credit Card to your Kogan.com account, login to your Kogan.com account > ‘Card Rewards’ > ‘Unlink Card’ > follow the prompts.
Your Rewards Points will be redeemed at the Kogan.com checkout when you select ‘Apply’ after you have nominated the value of Rewards Points that you want to redeem against a purchase. If you elect not to proceed with completing the order, the redeemed Rewards Points will be credited back to your Account.
You can view your Rewards Points balance via Kogan Money Credit Cards Online or the Mobile App after you have logged in. You can also view your Rewards Points balance after you have navigated through to the Kogan Rewards Portal.
You can redeem your Rewards Points in two ways:
Pay with Points
Redeem your Rewards Points to receive credits to your account for Kogan Essentials transactions (including Kogan Mobile, Kogan Internet, Kogan Energy, and more) on your Kogan Money Credit Card. You can do this by navigating to the Rewards Portal once logged into the Kogan Money Credits Cards Mobile App or Online: “Redeem Points” > “Pay with Points” > “Redeem” on an Eligible Transaction and follow the prompts to complete the redemption.
Please note that credits received for Pay with Points redemptions will reduce your outstanding balance however do not count as payments to your Account.
Shop with Points
Redeem your rewards points for eligible purchases at Kogan.com. Link your Card to your Kogan.com account via the “Card Rewards” page once logged in. “Shop with Points” will then be made available as a payment option at checkout.
For more information, visit koganmoney.com.au/rewards
No, you are unable to transfer Kogan Rewards Points to a Frequent Flyer program.
If you have not received a product you have purchased from Kogan.com using your Rewards Points, please contact Kogan.com for assistance. Click here for help options available.
Rewards Points are awarded in respect of Eligible Transactions. The number of Rewards Points awarded is calculated by reference to the Australian Dollar amount of the Eligible Transaction.
You will earn the following:
- 2 Rewards Points for each whole Australian Dollar spent on Kogan.com
- 1 Rewards Point for each whole Australian Dollar, for all other Eligible Transactions.
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, 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). For more information, please see the Kogan Money Credit Cards Rewards Terms and Conditions.
No, Reward Points cannot be transferred to other individuals.
b
Can I use my Rewards Points via Shop with Points to partially pay for a Rewards item at Kogan.com?
Yes, you can make a partial Rewards Points redemption. The remaining balance will be charged to your chosen payment option.
If you have received a faulty or damaged product purchased from Kogan.com using your Rewards Points, please contact Kogan.com for assistance.
Your Rewards Points earn is uncapped.
If your Card is blocked because it has been lost or stolen or had unauthorised activity, you’ll need to link your new Card to your Kogan.com account to make use of Kogan.com Shop with Points. To do this, login to your Kogan.com account and go to ‘Card Rewards’ > ‘Unlink Card’.
Once completed, follow the prompts to link your new Card.
To check you have earned Rewards Points on a transaction, navigate through to your Kogan Rewards Portal, and go to ‘Rewards Summary’ > ‘Points History’. Rewards points will usually be earned within 2-3 days after an eligible transaction has been posted to your account.
No. There is no fee to use Pay with Points or Shop with Points as it is a part of the Kogan Money Credit Card Rewards Program.
Only Primary Cardholders can redeem Rewards Points.
You will receive your statement credit within two business days.
No. Pay with Points redemption cannot be cancelled or reversed.
You have up to 150 days from the purchase date.
b
Can I redeem my Rewards Points after I have requested to close my Kogan Money Credit Card account?
No. Rewards points will forfeit from the point at which you have requested to close your account
Your Rewards Points will be redeemed at the Kogan.com checkout when you select ‘Apply’ after you have nominated the value of Rewards Points that you want to redeem against a purchase. If you elect not to proceed with completing the order, the redeemed Rewards Points will be credited back to your Account.
Special Offers
Once your Kogan Money Credit Card application is approved, we’ll automatically create a Kogan.com account if you don’t already have one. The account will be created with the email address used in your Kogan Money Credit Card application.
Once your account is created, an email will be sent to you with a prompt to set your password. Alternatively, you can follow the steps below.
To set your password:
- Visit Kogan.com and click the ‘Login’ button in the top right corner.
- Click the ‘Forgotten your Password’ link.
- Enter the email address that was used when you applied for your Kogan Money Credit Card and follow the prompts.
If you already have a Kogan.com account and the email address is the same as the one used on your Kogan Money Credit Card application, simply login to your account via the verification email sent to you and navigate to the ‘Card Rewards’ page to see your linked credit card.
Once your credit card is linked to your account, you’ll be able to enjoy these benefits:
- Kogan First Membership
- Redeem your Rewards Points at checkout for purchases on Kogan.com
To activate the Kogan First Membership that comes with your Kogan Money Credit Card, you’ll need to link your Kogan Money Credit Card to your Kogan.com account.
After you’ve setup your Kogan.com password, click on ‘Card Rewards’ and follow the prompts to add your card details. At the bottom of the form, you’ll see a checkbox to activate your Kogan First Membership.
If you’re having trouble activating your Kogan First Membership or linking your Kogan.com account, get in touch with us by logging into the Kogan Money Credit Cards Mobile App or Online and starting a Chat.
Updates to your online experience
If you are currently sharing your data through the Consumer Data Right / Open Banking, your active ongoing data sharing arrangements will be withdrawn on 16 March 2025. The Accredited Data Recipient(s) (i.e. who you are sharing your data with) will be notified.
Once the transition is complete, after retrieving your new User ID and setting up your password for the new Kogan Money Credit Cards Mobile App and Online experience, you will be able to create new data sharing arrangements.
You will also be able to see your historical data sharing arrangements in your new dashboard. This will include any consents withdrawn on 16 March 2025. Please note that the historical consent data may take up to 72 hours to become available.
At first, only 13 months of your transaction history will be available for sharing, but in a few weeks after the transition older data will be available.
The new app will be ready to begin using on 17 March 2025. We’ll send you a communication when it’s time to switch over.
You can manage your credit card account through the Kogan Money Credit Cards Mobile App on your mobile device as well as through our Online Servicing channel at cards.koganmoney.com.au. Both platforms allow you to perform functions such as:
- Card activation
- Review transaction history
- Review and download statements
- Make BPAY® payments
- Set up alerts
- and more
Yes, once you’ve logged in for the first time, you’ll need to set up biometrics again if you’d like to continue using it.
Yes, your login details will change. You can retrieve your new User ID directly from the new app or Online Servicing channel when the new experience is available. You’ll be guided through how to retrieve your new User ID and set a new password when you get there. If you can’t retrieve your new User ID from the new app or Online Servicing channel, you can call us for assistance.
The current Kogan Money Credit Cards Mobile App and your existing User ID and password will be retired and won’t be accessible after 14 March 2025, so you’ll need to switch over to the new one to continue managing your card and rewards via the app. If you prefer to use our Kogan Money Credit Cards Online channel, you can continue to use the cards.koganmoney.com.au URL (or by clicking the ‘Login’ tab at the top of this website), however you’ll need to login using your new Kogan Money Credit Cards User ID and password.
We’re moving to a new system which allows us to roll out new features and additional security. We’ll retire our current app when the new one becomes available.
Using My Card
You can activate your Card by logging into the Kogan Money Credit Cards Mobile App or Online. Go to ‘Manage your card’ > ‘Activate card’, then verify your Card details.
If you’re having trouble activating your Card, you can chat with us by logging into the Kogan Money Credit Cards Mobile App or Online and using the Chat feature.
To view your current account balance, simply log in to the Kogan Money Credit Cards Mobile App or Online.
If you have an issue with a transaction and would like to raise a dispute, please contact us.
If your dispute is not about a suspected fraudulent transaction, you may be able to quickly resolve the dispute with the merchant directly. If you are not able to resolve the dispute with the merchant directly please contact us.
Yes, you can. On your transactions list on Kogan Money Credit Cards Online click on Export button to download the transactions in CSV format. Alternatively, you can click on print function in the browser and save the transactions in PDF format.
You can withdraw cash from an ATM using your Kogan Money Credit Card and your Card PIN.
You can withdraw up to your available cash limit however there is a maximum of $1000 cash per day.
You can also withdraw cash with your Kogan Money Credit Card and your Card PIN over the counter at any bank in the world that displays the VISA symbol.
Yes, standard Cash Advance fees and charges may apply. For overseas transactions, currency conversion and other fees may apply.
Cash withdrawals are also charged interest at the applicable Annual Percentage Rate for Cash Advances.
You can find information about the interest, fees and charges relevant to your card in your Financial Table. For more information, you can chat with us anytime by logging into the Kogan Money Credit Cards Mobile App or Online and using the Chat feature.
Yes, if you have the BPAY Biller Code and Reference Number for the company you are making a payment to.
You can make BPAY payments through the Kogan Money Credit Cards Mobile App or Kogan Money Credit Cards Online.
Simply select ‘Pay’ and then ‘Pay a bill (BPAY)’ to make a payment to any BPAY Biller you have previously set-up or an ad hoc payment to new BPAY biller. You will also be able to schedule one-off or recurring BPAY payments.
You can add, edit and delete payees in the ‘Payees’ section under ‘Pay’ in the Kogan Money Credit Cards Online and Mobile App.
Yes. To schedule a payment for a future date, select ‘Later’ when providing payment details. For a recurring payment, select ‘Recurring’.
No, there is no fee to use BPAY with your Kogan Money Credit Card.
Yes, you can use BPAY to pay your account.
When you activate your Card, we will automatically ask you to set your PIN.
You can change your PIN via ‘Manage’ section on the home page and selecting “Change your PIN’
No, for security purposes your Additional Cardholder will need to set their own PIN.
No, you don’t need to tell us that you will be overseas.
We do recommend though that you ensure your contact details are up to date as we may need to send you an SMS or email to confirm that a transaction was made by you.
You may also want to add your Card to Apple Pay or Google Pay so that you’re able to continue paying with your Kogan Money Credit Card in store, anywhere you can tap and pay if your physical Card is lost, stolen or damaged while you’re travelling.
If your Card is lost or stolen, you should let us know immediately. Please contact us to temporarily lock your Card.
We recommend that you add your Card to Apple Pay or Google Pay before you travel, so that you’re able to continue paying with your Kogan Money Credit Card in store, anywhere you can tap and pay.
You can report your card as lost or stolen via the ‘Manage’ section on the home page and selecting “Replace card’ in the Kogan Money Credit Card App or Online.
Alternatively, you can chat with us or call us on 1300 415 445 or +61 2 8908 6196 from overseas, 24 hours a day, 7 days a week.
Yes, you can temporarily block your Card to prevent new transactions without affecting your existing Digital wallet, recurring payments or direct debits. To do so, log into Kogan Money Credit Cards Mobile App or Online. Navigate to the ‘Manage’ page to access the ‘Temporary Block’ function.
Yes, if you report your Card as lost or stolen, we will cancel and reissue your physical Card. You will continue to be able to use your digital card through Apple Pay or Google Pay.
You’ll receive a new Card with a new Card number and new expiry date within 7 business days. Your old PIN will remain the same, refer to ‘How do I change my existing PIN?’ if you want to change your PIN.
Once your Card has been blocked, you will need to link your new Card to your Kogan.com account to continue to make use of Kogan.com Shop with Points. To do this, login to your Kogan.com account and go to ‘Card Rewards’ > ‘Unlink Card’. Once completed, on the same page, follow the prompts to link your latest Card.
You’ll receive your Card within 7 business days of you reporting your Card as lost or stolen.
If we detect suspicious activity, we may send an automated SMS to confirm the transaction with you. This SMS will come from +61 428 847 469.
If you receive this SMS from us, please respond with either:
‘1’ if you authorised the transaction and we’ll automatically remove the block on your card
‘0’ if you didn’t authorise the transaction, we’ll then send a follow up SMS and one of our fraud specialists will call you shortly after.
If the original transaction was declined, you can try again after responding to the SMS.
Our physical cards use chip technology to further protect your personal information. If you prefer to use a digital card through Apple Pay or Google Pay, you can also choose to use biometric authentication to authorise your transactions.
If you believe someone has fraudulently used your Card, call us immediately on 1300 415 445 or +61 2 8908 6196 if you are overseas.
It is important that you contact us immediately if:
- you’ve sent money or authorised a payment due to a scam
- you’ve provided your identity information and/or banking details to someone who you believe is a scammer
- you’ve found transactions you haven’t authorised.
If you have an issue with a transaction and would like to raise a dispute, please contact us.
If your dispute is not about a suspected fraudulent transaction, you may be able to quickly resolve the dispute with the merchant directly. If you are not able to resolve the dispute with the merchant directly please contact us.
Using your card
No. If you don’t want to use the dynamic CVV every time you make an online or over the phone purchase, that’s okay – you can still use the three-digit CVV printed on your physical card.
We’re introducing what is known as a ‘dynamic CVV’ when you view your card details in the Mobile App and Online Servicing as an additional security feature.
Dynamic CVV generates a new, temporary CVV in the Kogan Money Credit Cards Mobile App and Online Servicing every 18 hours and is different to the three-digit CVV printed on the back of your physical card. It changes regularly, making it more difficult for your card information to be misused.
It can be used for payments where you need to provide your card details to a merchant to pay for your subscription services or regular bills. You can also use the dynamic CVV when making online or over the phone purchases where you’re asked to enter or provide your card details to a merchant.
Yes. You can still use the same physical credit card, or the card stored in your digital wallet to make purchases or payments.
Your card details visible within the app or online servicing channels will have the same card number and expiry, however the CVV (Card Verification Value) will be different to the CVV on your physical card and will change every 18 hours as an additional security feature.
Your card
82% of your credit card (by weight) is made using recycled material. The remaining 18% of the card, such as the chip, antenna and magnetic strip, is not made from recycled materials.
The card will be sent as your existing card nears its expiry date, unless you request a new card before then for a different reason (for example, to replace a damaged card or a card that has been lost, stolen or compromised).
No, our cards cannot be recycled at the moment.
The recycled plastic is certified by UL Environmental Claim Validation. More information about the certification can be found here.
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