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Kogan Money Black Credit Card, $500 Kogan Credit with $500 Spend in 30 Days

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Kogan Money Black Credit Card, $500 Kogan Credit with $500 Spend in 30 Days
Go to Deal
[Deactivated] on 29/11/2019 - 08:29 koganmoney.com.au (8236 clicks)
Last edited 20/01/2020 - 15:41 by 3 other users

Special Black Friday Deal

No annual fees
That’s right, $0 annual fees on this card.

Earn $500 Kogan.com Credit
Bonus launch offer – spend $500 in the first 30 days from approval on eligible purchases and you’ll receive $500 in Kogan.com Credit.

Uncapped rewards points
Earn up to 2 rewards points per dollar on your eligible purchases at Kogan.com and 1 rewards point per dollar on your eligible everyday spend, uncapped.

Complimentary Kogan Membership
Get complimentary Kogan First Membership, currently valued at $99 per year.

0% p.a. for 12 months on balance transfers
No interest free days apply while you have a balance transfer. Reverts to cash advance rate.

Up to 4 additional cardholders at no cost
All eligible spend by additional cardholders contributes to your rewards!

Visa payWave
Simply wave and go.

FRAUDSHIELD® and Visa Zero Liability
Security and fraud protection with FRAUDSHIELD® and Visa Zero Liability.

Eligibility
Earn more than $35,000 a year.
Be 18 years or older and a permanent Australian resident.
Have a valid email address and mobile number.

Financial Credit Card Kogan Kogan Money Membership Store Credit VISA

Related Stores

Kogan Money
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closed Comments

      • nurseboucher on 03/12/2019 - 09:08
        -1

        And now got rejected anyway..😖

    • Danstar on 30/11/2019 - 12:01

      Try clicking the link again. Happened to me first time it just opened up a general page. I clicked it again, it came up with my reference number

      • chillwok on 30/11/2019 - 12:10

        just goes to a application submitted page… no links to add documents or nothing… wtf…

        • alamodey on 30/11/2019 - 13:00

          I am also having this issue. It looks like they haven't tested their application page. Can someone from Kogan Money please address this?

        • Danstar on 30/11/2019 - 13:21

          Try on a computer or something different

          • watwatwat on 30/11/2019 - 14:37
            -1

            @Danstar: Why give advice on a page that you have never visited? The page and their signup process is broken.

            • Danstar on 03/12/2019 - 09:18

              @watwatwat: Ummm if you have read any of my comments you will see I have visited the page from the exact email nurseboucher would've received!

              And it worked fine for me after a few clicks!

    • Bellpop on 30/11/2019 - 14:53

      Got this too. Gonna bail.

    • pyramid on 01/12/2019 - 07:52

      Bloody painful doc requirements after attaching all doc…

      • pyramid on 02/12/2019 - 12:03

        Got another email that they need more docs. I m done with this now…Already submitted salary slips, bank account, medicare, rate notice….

        • watwatwat on 02/12/2019 - 12:20

          FYI I spoke with their support and they said the system sends requests for info even if you submit all documents, so you can ignore them. So dumb.

          • pyramid on 02/12/2019 - 12:34

            @watwatwat: Thanks. I have given up on this…My home loan bank did not ask for all the docs that kogan is asking for…

          • Make it so on 03/12/2019 - 12:50

            @watwatwat: So nothing changed with Citibank.
            I applied for a fee-free-for-live signature card in 2013. I applied from overseas, online, without submitting a shred of documentation. Got approved, then received requests for documentation (which I ignored).

            Then, 6 years on, they needed the secondary card holder to submit certified copies of ID in a letter before they'd activate her replacement card after the old one expired. So we tried a few more call centre REPs until we got one that just activated it :)

    • whey4000 on 01/12/2019 - 13:57

      Have you gotten any further? I have the same problem.

  • vik27kum on 30/11/2019 - 15:09

    Will I still be eligible for the $500 voucher if I have a Citi Signature VISA Card?

    • alamodey on 04/12/2019 - 15:44

      yes, why not?

  • tunzafun001 on 30/11/2019 - 15:11

    I got this with a recent CBA card as well. Ended up emailing payslips through.

  • whey4000 on 30/11/2019 - 19:44

    They want my employers phone number… I want to sign up but don't wish to put that in.

    • alamodey on 30/11/2019 - 20:15

      put your own one in :p

      • whey4000 on 30/11/2019 - 20:26

        They dont contact your employer right?

        • Danstar on 30/11/2019 - 22:46

          Never that I’m aware of.

        • tunzafun001 on 01/12/2019 - 10:58

          St George did for me apparently. Just put your own number in.

          • Danstar on 01/12/2019 - 11:42

            @tunzafun001: Amex actually called my missus’ work when she applied for that one of those cards. I think they only call if they aren’t 100% confident with the documents you’ve uploaded

            • whey4000 on 01/12/2019 - 12:12
              +1

              @Danstar: They want proof of income and proof of employment. What can I upload for this?
              This is the hardest credit card I have ever applied for.

  • johnno69359 on 01/12/2019 - 01:43

    I was also declined, not too sure why.

  • carbunkle on 01/12/2019 - 13:52
    -1

    Can $500 kogan.com credit be used to buy anything on kogan's website, e.g. airpods etc?

    Or is it only usable for Kogan home-brand items?

    • Neoika on 01/12/2019 - 17:34
      +2

      It can be used on anything on kogan.com including mobile plans.

  • virhlpool on 01/12/2019 - 18:11

    Upvotes show that there aren’t many takers of free $500? Or have people been too busy with Black Friday deals?

    • TheMidnightChef on 02/12/2019 - 08:44

      Plenty of people getting knocked back by the looks of it. Myself included.
      We bank 50% of our income, easily serviceable mortgage, permanent full time employment with same employer for over 10 years, no dramas ever with late payments, bankruptcy or anything that would set off red flags.
      The only thing I can think of is we have a citi issued coles credit card?

      • Danstar on 02/12/2019 - 08:47

        I have that coles card and recently got the qantas premier card.

  • kirt on 02/12/2019 - 11:08

    I got an sms and email confirming approval earlier today, then received another email just now asking for Employment and Income Proof lol!

    • watwatwat on 02/12/2019 - 12:31
      -1

      When the unreliability of kogan-manufactured garbage meets financial services. Going to be amazing!

      • kirt on 02/12/2019 - 12:39
        +3

        Lol yeah ;)

        My plan is to spend the $500, get the $500 credit, buy 2019 Nvidia Shield with credit, then bail - grab the popcorn!

  • db87 on 02/12/2019 - 12:25

    Applied. Got some chrissy presents and regular shopping to do in the coming weeks. Should blast by the $500 spend without any dramas. I'm not so sure that's a good thing. Haha.

    I also have a top up for the old man's phone credit in the new year so the credit will come in handy.

    We have a great credit score and very manageable income so can only assume we won't get knocked back. 🤷‍♂️ No harm in trying.

    Cheers OP.

  • georgesc on 02/12/2019 - 12:40

    Just got denied, my first
    pikachuface.jpg

  • eddieaus on 02/12/2019 - 13:32
    +1

    Got denied as well, even though my credit score is 760. Glad I missed the boat, they sound very dodgy.

  • Kooratz on 02/12/2019 - 14:18

    Denied… hmmm hurt me .never got rejected :(

  • Kas on 02/12/2019 - 14:42

    Denied, look like they issue limited quantity and now it is reached.

    • Fancydancer on 10/12/2019 - 07:21

      I just got approved yesterday though

  • db87 on 02/12/2019 - 14:48

    When have people applied to when they found out if they were approved or denied?

  • watwatwat on 02/12/2019 - 14:53

    So to the people getting rejections.. did you get a message when you sign up saying you were provisionally approved?

  • Jaytsukasa on 02/12/2019 - 15:48
    +1

    applied today and got approved within an hour. Filled the application for less than 10 min. Seems a very smooth process for me.

    • tunzafun001 on 03/12/2019 - 19:30

      Any other cards / loans / debts?

  • krisspy on 02/12/2019 - 18:55
    -1

    Denied. For reference I've got a 28 degrees plus fee free and rewards Coles Master cards. Most likely the citi bank restriction

    • alamodey on 04/12/2019 - 15:41

      I've got a Citi card and got approved for this.

  • carbunkle on 02/12/2019 - 19:49
    +1

    I got requested to provide 'income proof' and 'employment proof' despite providing pay slips earlier. Anyone know what else they could want? Employment contract is confidential so I won't be taking a risk providing that…

    • Fancydancer on 02/12/2019 - 20:25

      Happening to me also, I’ve submitted a couple of times

      • carbunkle on 02/12/2019 - 20:32
        +1

        lol jokers at kogan… I'm starting to think I would be better off without this deal. Who would have thought that?

        • carbunkle on 02/12/2019 - 20:32

          I have a credit rating of 840/1000 too…

        • db87 on 02/12/2019 - 20:46

          I'll be thinking the same if I get rejected and it goes negatively against my record. I'm in the 800s also.

          • carbunkle on 02/12/2019 - 20:47

            @db87: I just checked my credit history and citigroup is on my credit as a credit 'check' :S

            • db87 on 02/12/2019 - 21:29

              @carbunkle: I'm not overly fussed. Not planning to buy anymore property any time soon and we always pay our debts before the interest period.

              I'll just be a bit shitty given that they have a very basic outline of who qualifies to apply. It should be more strict from the get go if they're just going to blanket reject a tonne of people.

              Other than a couple of mortgages. We only have 1 CC that's been attached to my account since I qualified and the 2nd is attached to our home loan accounts.

              I daresay any rejections these days would have to be with banks tightening up on their lending.

    • hotdish on 04/12/2019 - 11:14
      +1

      In the same boat - provided exhaustive documentation and a day later got an email asking for "employment proof" and "income proof"

  • watwatwat on 03/12/2019 - 09:47
    +3

    I had received:

    Important Information from Kogan Money Credit Cards: Reminder that we need more information

    So I did nothing and then later on got:

    Important Information from Kogan Money Credit Cards: Your Kogan Money Black Card application is approved!

    Happy days. Touch wood.

    • jundullah on 05/12/2019 - 11:16

      Same here.
      Kept getting reminded for 4 days to give information but I never got round to it. Now I'm approved :)

    • DerpFactory on 07/12/2019 - 18:59

      Same, got approved without providing the required info.
      I asked on chat and they said I need to provide it.
      Not sure if you really do.

    • TTROCKNROLL on 12/12/2019 - 23:36

      Same here :)

  • Yamun121 on 03/12/2019 - 10:00
    +5

    Finally approved 2nd Dec, after initial application on Friday 29/11
    Had multiple emails requesting same info documents again and again, linking to the card application for employment proof etc
    Called Kogan yesterday and they said sorry, the system may automatically send our new requests, but they checked and they had it all and this facilitated the approval of documents and finally approval

    Edit -I have had a citi signature around August, now cancelled.
    3 credit cards currently, with Kogan the next addition

    • hotdish on 04/12/2019 - 11:14

      What number did you call them on?

      • Waikipedia on 04/12/2019 - 11:50
        +3

        Try 1300 415 445.
        That number is listed for "Complaints" according to their website.

        However, when you call that number, there's actually an option for tracking current application.

      • Yamun121 on 04/12/2019 - 20:01

        yeah went through complaints and they transferred

  • Waikipedia on 03/12/2019 - 11:55
    +1

    Got my card approved. Took about a day.

  • MR-AM on 03/12/2019 - 12:24

    I got my credit card approved yesterday!

  • julioj on 04/12/2019 - 13:53
    +2

    Got approved yesterday.

    Oddly they first contacted me to say I needed to provide employment info (despite providing latest payslip), when I logged into the link they email you (sms-code protected) there was no where to upload the docs. I contacted them via their webform and the next day my application was approved.

    Edit: that is, after contacting them via the webform, I heard nothing back and then magically I got the application approved messages.

  • Danstar on 04/12/2019 - 16:42

    Got my card today. Tried to use payWave and it didn’t work. Tried at 3 places….

    • Make it so on 04/12/2019 - 17:22

      Dumb question - did you activate the card?

      • Danstar on 04/12/2019 - 17:49

        Yes. It worked by inserting it. Spoke to love chat, said it might be faulty magnetic strip. Sending me a new card (same numbers so don’t need to wait, although few minutes after chat got sms saying card been deactivated) lol

        Must be a automatic thing as a result of a new card being sent. Will talk to chat tomorrow to confirm it was done automatically

        • Make it so on 04/12/2019 - 17:52

          A faulty magnetic strip that prevents payWave from working? I seriously doubt Paywave uses the magnetic strip.

          • Danstar on 04/12/2019 - 17:55

            @Make it so: I dunno. Something is making it not work. Hopefully new card does

            Maybe she meant NFC chip or what ever tech pYwave uses

        • tunzafun001 on 04/12/2019 - 23:37
          +2

          A few credit cards need to be inserted for their first use. Paywave etc works after that.

          • Danstar on 05/12/2019 - 06:26

            @tunzafun001: Oh really? Never heard of that, and nor did the rep. On chat lol

        • forrester on 05/12/2019 - 06:36
          +2

          Spoke to love chat

          Hope the premium phone charges weren't too pricey for you :)

          Btw I've had a similar experience with other cards as tunzafun001 too.

          • Danstar on 05/12/2019 - 06:55
            +1

            @forrester:

            Hope the premium phone charges weren't too pricey for you :)

            Hahaha. She was free and her name was Debbie too…….. LOL

            I've never had a Visa before, it's always been a MasterCard. They've already sent me a new card so I guess I'll just have to keep inserting it…….and hope that the PayWave just decides to work

  • Make it so on 04/12/2019 - 17:54

    Got approved (after 2 days) despite holding a Citibank Signature card (and another card).

  • db87 on 04/12/2019 - 18:26

    Personal question but I wonder what peoples liabilities are. We have a bit but service our loans very easily and credit cards are always zeroed well in advance. I got a phone call today to confirm a couple of random details and about 30 minutes later, a rejection email. :s

  • Geese on 05/12/2019 - 11:40

    How long does approval usually take?

  • HighAndDry on 05/12/2019 - 13:20

    Just some feedback, application process was painless. Online + one 5min phone call. Approved in 3 days start to finish.

    • Bargain Fighter on 05/12/2019 - 13:23

      Was the 5min phone call that they called you?

      Applied on 29/11. Haven't heard anything from them yet.

      Online chat 2 times, kept saying it will take 7-10 business days.

      • HighAndDry on 05/12/2019 - 13:46

        Yeah, just confirmed basics like previous address, other liabilities, property status.

        I think my answers matched that their checks had already told them because they didn't ask any details and though they said something like 3-5 business days, approval was basically immediate.

  • virhlpool on 05/12/2019 - 13:54

    How much does simply applying for a new card affect the credit score? I assume it should negatively impact only if the balance is overdue?

    • Danstar on 05/12/2019 - 15:48
      -1

      Applying and getting approved doesn’t affect. Applying and being rejected can affect. Not paying balance by due date affects

      • watwatwat on 05/12/2019 - 17:21

        Wow, giving other people advice must mean you think you know what you're talking about. So where did you hear this information? Citation needed.

        • Danstar on 05/12/2019 - 18:19

          I’ll give
          You a citation when you reply
          To this one ;)

          https://www.ozbargain.com.au/comment/8064820/redir

          Always love a good ozB stalker

          Can you not handle someone who gives an opinion / says their experiences about something you don’t know about ?

          And your reply doesn’t even make sense… literally
          Just trying to stir up. Maybe Try harder next time

          • watwatwat on 05/12/2019 - 23:29

            @Danstar:

            You a citation when you reply

            Sure, I'll reply. It probably wasn't the same page you were seeing. Perhaps your application was in a different status. The page we were on did not allow any progression.

            Just trying to stir up. Maybe Try harder next time

            I'll try again. You claimed that applying for credit does not hurt your credit score if you are successful. Please provide documentation supporting this claim.

            • Danstar on 06/12/2019 - 08:00

              @watwatwat: It would be the same
              Emil everyone gets when you apply. I had the same experience where it didn’t work the first few clicks, but for some reason it eventually did. It was my
              Experience with the application and I was just trying to help others….dunno why you would be upset with that

              My Citation is a senior bank manager at one of the big 4 banks
              So taking my opinion/advice is up to you to believe. I don’t come on here to lie

              • watwatwat on 06/12/2019 - 22:08
                -1

                @Danstar:

                It would be the same

                Awesome. You must work there as a programmer.

                "Does applying for a credit card hurt my credit score?
                One application for a credit card is not likely to hurt your score, but making multiple applications in a short period of time could. That’s because numerous applications can be perceived as desperation for credit, or lenders could feel that you’re taking on too many accounts, potentially making it difficult for you to afford monthly payments.

                When you apply for a credit card or loan, an enquiry is recorded on your credit report. Your credit report shows a five-year enquiry history, which is factored into your credit score."

                • Danstar on 07/12/2019 - 01:32

                  @watwatwat: So applying and getting approved means your credit history is (most likely) ok. Applying and not getting approved would not reflect as ok and look bad on your credit score….. As i stated….

                  • watwatwat on 07/12/2019 - 02:14

                    @Danstar: Actually, you stated "Applying and getting approved doesn’t affect". In fact, it can affect.

                    • Danstar on 07/12/2019 - 02:16
                      +1

                      @watwatwat: It really doesn’t affect though. Cos yo Igor approved. Meaning the credit checks and info provided shows you aren’t a risk. That’s why you got approved …
                      What’s not to get ?

  • neilpatrickharris on 05/12/2019 - 19:28

    The last citi card I got approved for was a coles card in 2017. So I was super surprised to find out I got approved for this one. Submitted the application on Sunday with conditional approval, sent in docs on Wednesday and got approved fully today. Pretty seamless experience.

  • hungrysmithers on 05/12/2019 - 20:16
    -1

    Does anybody know if you were to link this with a PayPal account and do a direct transfer to a brokerage firm such as IG, CMC, Interactive Brokers etc etc would consider it as a purchase and qualify for the bonus ?

  • nomnomnom on 05/12/2019 - 21:31
    +1

    Just tried applying and got a message saying: Based on the information provided, they were unable to approve my application. I assume this is a decline?

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