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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
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[Deactivated] on 29/11/2019 - 08:29 koganmoney.com.au (8223 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

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closed Comments

      • Daniel Plainview on 07/02/2020 - 18:10
        +1

        I am sure the system is fine to DD the final balance - but I've no idea how they justify that their system can't detect when a payment has been made already (mine was made 20+days before the DD took place) and so do the DD anyway - and then charge a fee for this.

        When this happened with Citi I did press them to explain, they said it was a system issue and gave some really weird explanation that made no sense to me.

        I find it very hard to believe one of the biggest consumer banking groups in the world can't figure this out - it almost has a whim of dodginess to it - as in,"Oops yes you're right we'll refund that fee for you - we're really sorry" when likely 30-40% of folks never notice it.

  • Daniel Plainview on 07/02/2020 - 18:23
    +1

    FWIW here was Kogan/Citi's reply:

    Upon careful review of the account, I can see that you have a direct
    debit for automatic payment set up on the account. Please note that when
    a direct debit is set up, the system is set to draw the payment on the
    due date. Because of this automatic payment set up, you are not advised
    to make a manual payment through Bpay because the preset instruction to
    draw the payment will still proceed.

    The automatic payment has been declined that is why it has been reversed
    and a $15 dishonour fee was charged.

    I reversed the $15.00 as a one off process. The fee reversal will not be
    considered as a payment. Your forthcoming statement will have a lower
    balance due to the reversal.

    If you would want to make a manual payment through Bpay moving forward,
    kindly cancel your direct debit set up online.

    Even their online messaging system (I'm using desktop not the mobile app) is crap - it won't allow you to use any symbols, even apostrophes etc so you can't use even vaguely correct spelling/grammar. They've been like that for years as well (citi) - embarrassing in 2020.

    • kacak on 07/02/2020 - 18:55

      I just did an online chat with Kogan via their app, basically got the same text as your first paragraph. They did mention that I can cancel my DD via their online site, which I've now done

    • Make it so on 10/02/2020 - 18:22
      +1

      Yes, I have always had that issue. Once I tried to report a bug through feedback, and then I could not submit it because of quotes.

      I found the hack though - they do not block the "grave symbol" (`). So you can quote `like this`

  • bargrin on 09/02/2020 - 15:19

    But where the 500 credit at?

    I already put through 1500 on CC and paid bill last week. Have had card since 18 December so coming upto 2 months.

    • Neoika on 09/02/2020 - 15:31
      +2

      Up to 10 weeks after the end of the 30 day qualifying period.

      In the same boat, it could be another 6 to 7 weeks to wait.

    • [Deactivated] on 09/02/2020 - 15:48
      +2

      Why don't you ask them.

      • bargrin on 09/02/2020 - 18:20

        sending them a message now, lets see what they say

        • Danstar on 09/02/2020 - 18:49
          +1

          They’ll say wait up to 10 weeks is my
          Guess

          • bargrin on 09/02/2020 - 20:39

            @Danstar: Yup they came back almost immediately with:

            The $500 Kogan credit will be credited to your Kogan.com account up to
            10 weeks after the end of the 30 day qualifying period.

  • victimize on 13/02/2020 - 09:54
    +12

    Just got my email today from Kogan,

    $500 Store Credit into my account, time to buy some AirPods!

    • Beachberry on 13/02/2020 - 10:18

      Nice! When did your initial application get approved? I just got my second monthly Kogan statement today and no credit email yet.

      • victimize on 13/02/2020 - 10:38

        Application was approved on the 2/12/2019.
        Minimum spend was hit in December too.

        • Danstar on 13/02/2020 - 11:19

          Hmmm my application was approved on 9/11/2019

          Not sure when I hit the spend limit though..wait and see

        • Beachberry on 13/02/2020 - 13:51

          That's pretty early. So I reckon that's good news for all of us. Probably in the next 1 or 2 weeks, most of us who applied early December will hopefully get it. Fingers crossed.

          I don't think when you hit the spend limit matters. I think the computer reads the first statement (30 days), if it's more tan $500 then the computer will give you the $500 credit in 4 weeks (specific date probably) or something.

      • badarz on 18/02/2020 - 15:45
        +1

        I got 2 statements so far and nothing. Spend was hit within the first statement.

    • frogduck on 13/02/2020 - 10:34

      Thanks for the update :) look forward to receiving mine too

    • latenight on 13/02/2020 - 11:17

      Did you get the second monthly statement today too?

      I'm assuming that was the trigger.

      Just got my second statement this morning no credit yet.

      Approved 6/12 and hit the required spend a week later.

      • Danstar on 13/02/2020 - 11:20

        I got my 2nd statement last week….still no credit

      • victimize on 13/02/2020 - 11:21

        I got it last week or at the start of this week i believe

        • klownvandamn on 21/02/2020 - 11:20

          Where and how did you get it? Does this automatically show up on kogan.com or code?

    • frogduck on 14/02/2020 - 09:05
      +3

      Where did the credit show up in your account? Was it the card rewards or credits section?

      • [Deactivated] on 17/02/2020 - 07:42

        I was told you would get a "special" email that says the credit has come through.

        • varunynr on 19/02/2020 - 01:26

          Dont think anyone has managed to get credit yet.

          • frogduck on 19/02/2020 - 01:29

            @varunynr: The person @victimize who I replied to said they got the credit recently.

            • varunynr on 19/02/2020 - 01:36

              @frogduck: Sorry I read that as second statement rather than credit. Well that should be good news for us all then.

            • sfac on 19/02/2020 - 08:37
              +1

              @frogduck: victimize is the only person got the $500 credits?

              • frogduck on 19/02/2020 - 09:01

                @sfac: Looks like it so far. Another got $300 from an earlier promo, and I've gotten $400 through a citi/kogan promo.

                • snensnay on 19/02/2020 - 12:33
                  +10

                  @frogduck: Anyone willing to call bullshit on victimize? 😛

                  • frogduck on 19/02/2020 - 12:41

                    @snensnay: Maybe just lucky (for now)? Haha

                  • sfac on 19/02/2020 - 16:56
                    +3

                    @snensnay: I would call it a bullshit too unless victimize can show the email from Kogan.

            • klownvandamn on 21/02/2020 - 11:21

              @frogduck: He seems to be only one but he has vanished.

        • Beachberry on 19/02/2020 - 13:33

          Maybe they are really waiting for the entire 10 weeks after the 30 day period to give out the $500 credit. i.e. end of March.

          • ziggyy on 19/02/2020 - 15:15
            +2

            @Beachberry: Still waiting too. Love it that we are still coming back regularly to an expired thread though:)

    • [Deactivated] on 20/02/2020 - 08:12

      Prove it with email proof

    • cocomelon on 15/02/2020 - 09:29
      +4

      gosh, where have you been?

      • [Deactivated] on 17/02/2020 - 07:42
        +3

        under a rock

  • Danstar on 20/02/2020 - 07:52
    +5

    What's the odds in a months time there will be a lot of us asking who have this card, still asking if anyone has received the credit

  • spa on 20/02/2020 - 10:37

    Anyone received their credit yet?

  • bargrin on 20/02/2020 - 15:22
    +1

    I have just asked them again for an update but they said due to privacy reasons they cant discussthe over email.

    However same retric,
    For your reference, The $500 Kogan.com Credit will be credited to your Kogan.com account up to 10 weeks after the end of the 30 day qualifying period.(this is the maximum waiting time, generally, it's earlier) You will receive an email once your credit is ready.

    • Daniel Plainview on 20/02/2020 - 15:28

      Haha always funny when they claim privacy could be breached on such things.

      Yes, I suspect we'll all be waiting a while longer. The easy way is to go back and check when you received your 'You've been approved' email from them. As if they do it exactly as they say it's 30 days from then plus 10 weeks. So for me who was approved on 03DEC I'm looking at around early-mid MAR.

      I suspect it's going to be one of those things were if you check every day it'll seem to take forever so if you try and just leave it be - before you know it it'll be there (whole watched pot never boils deal).

      Just make sure you diarise to check after your 10 week 'worst case' date is up to ensure they don't have a 'clerical/admin' error on yours. :-)

      • latenight on 20/02/2020 - 16:07

        If you check in the thread from the previous $300 credit deal most people got their credit within 8-10 weeks of card approval so I'm still hopeful of getting the credit before end of Feb.

        • sfac on 20/02/2020 - 17:03

          I am in the 12th week after the card approval.

          • Getshwifty on 21/02/2020 - 16:42
            +3

            @sfac: its not card approval it's after the end of the 30 day qualifying period. so statement date i'd assume

            EG i got approved on the 4th December > 30 days = 3rd Jan > 10 Weeks = 13th March :(

  • Danstar on 20/02/2020 - 17:07

    Who seen kogan’s new offer

    $100 credit after $1000 spend 😂

  • Deezy88 on 21/02/2020 - 10:44

    10th week … Still waiting.

    • Danstar on 21/02/2020 - 11:01

      Did you add the 30 days after approval (or was it after making the $500 spend?) ?

      • Deezy88 on 21/02/2020 - 11:29

        Yep .. 30 days after first financial statement

  • edrift on 22/02/2020 - 21:39

    Anyone having issues with kogan website continuously saying reward points unavailable?

    I tried unlinking my card but now I can't link it back

    • latenight on 23/02/2020 - 08:48
      +5

      The work experience kid isn't back in the office till Monday try then.

    • evocable on 29/02/2020 - 06:53

      Yep! I contacted them, got the usual try clearing cache and if that doesn't work let us know. I let them know it doesn't work and got nothing back.

  • Son of Matrix on 23/02/2020 - 13:45
    +3

    Sigh have to check here to make sure I am not the only one who haven't receive the credit

  • chintu123 on 23/02/2020 - 22:35

    Same boat as you guys, got my cc mid December and still waiting.

  • Daniel Plainview on 24/02/2020 - 09:05
    +5

    They're going to drag it out as there's no reason to give it a second earlier than they need to - cash flow has real value and as a big business they know this - anyone who got their early I'd say was very lucky but for all us plebs I think we'll be waiting till the last minute as they'd be giving away hundreds of thousands in credit.

    • Beachberry on 24/02/2020 - 11:53
      +1

      I wonder if everyone bugs them once a day about the credit, whether the cost of responding to calls, chats and emails starts to outweigh just giving us the credit!

      • [Deactivated] on 28/02/2020 - 20:47

        Credit is from Kogan, card is issued and managed by Citi, so two different entities.

        • blackfrancis75 on 06/03/2020 - 09:24

          I'd like to think if enough people push back on Kogan then Kogan will raise it with Citi. It is their reputation being tarnished after all

  • ev3nfl0w on 24/02/2020 - 16:09
    +2

    For those curious to know, just open up a conversation with one of the chat agents (via website / mobile app) and they will be able to confirm if you are eligible + time-frame for credit.

    I just got confirmation that I my $500 credit will be applied no later than 26th of March (90 days).

    • watwatwat on 24/02/2020 - 16:49
      +2

      Good idea. I just tried it and they said I will receive my credit by March 12.

    • Beachberry on 24/02/2020 - 17:04

      I'm worried they are simply telling you the 30 days after approval + 10 weeks (70 days), so theoretically its something we already know. If you guys can confirm when your application was approved. I bet its close to the 10 weeks.

      • Make it so on 26/02/2020 - 14:41

        Yes - that is what they did with me. They simply said "you got approved on this date, and 10 weeks will take you to early March".
        Do not believe for one second that these people actually know what their systems do behind the scenes.

  • Ozbargainasaurus on 26/02/2020 - 12:21
    -7

    Been a couple days with no comments. So here's one 😋

    Still no credit for me

  • bargrin on 29/02/2020 - 08:16
    +2

    I got told on the chat I have met spend criteria and will get credit by 15 March ….lets see

  • Magicmagic on 02/03/2020 - 21:36
    +1

    Sigh…. I was told on chat that I wasn't eligible as my purchase was with the Australia Post retail shop which is listed as a government service and not counted as spend :(

    • whey4000 on 02/03/2020 - 21:51

      damn should have checked you had met the requirements at the time you made the purchases. :(

    • Daniel Plainview on 03/03/2020 - 08:58

      I'd try and argue that with them - if you paid a bill via AP, ok thats a tough argument to make and you might have to concede that one - but if you bought any goods or services via the AP retail store I think you should really stand your ground on that one as it's not a govt service and they can't just make up their own definitions.

      What did you buy via AP store?

    • Beachberry on 03/03/2020 - 09:09

      I think the issue may be that they can't differentiate between you paying your bill / taxes via Australia post or buying something in the shop - but someone correct me if I'm wrong. If you bought something in the shop and you still have your receipt, maybe you can try and argue it.

      • Daniel Plainview on 04/03/2020 - 07:11
        -4

        All due respect as this is your fight - but I'd kick and scream on that one as AP is primarily a retail outlet and the ability to pay bills through it etc is a minority part of their business. Obviously if you had your receipt that'd help a lot.

        I can't help but notice you completely ignored my basic question of what did you buy through them? Which to me is somewhat telling.

        • Getshwifty on 04/03/2020 - 15:49
          +1

          @nikko except beachberry isnt kissandlove who posted originally. You're getting on your high horse with the wrong person.

  • watwatwat on 02/03/2020 - 22:52

    Anyone have a credit date earlier than mine of March 12th? I'm not betting on it happening, but technically I should receive within the next 10 days.

    • frogduck on 02/03/2020 - 23:19

      I got my card approved 10th December and hit the spend criteria 31st December (they lost my first card in the mail). Not sure where they start counting from.

  • ady211 on 04/03/2020 - 10:00
    +1

    I was told I would get it by 12th March as well.

  • cocomelon on 04/03/2020 - 10:19

    do you think Kogan will bump up their pricing? knowing a good number of people have $500 credit. i am sure they have the visibility their exposure on this? i was told it will hit my account by the 19th so another 2 weeks of waiting.

    • watwatwat on 04/03/2020 - 13:48
      +3

      The voucher is valid for a year so they can't bump their whole site for that long.

      I'd say they're hoping people will buy Kogan branded stuff so they make a bigger margin.

      Also I'm not a beer drinker, but someone could get 10 cartons of beer delivered for free: https://www.kogan.com/au/shop/pantry/beer-and-cider/?deals_f…

      • [Deactivated] on 04/03/2020 - 14:37
        +1

        Damn!! 10 boxes of great northern is tempting

  • CptTerry on 05/03/2020 - 14:44

    Just got my credit via email:

    You've been sent a $500.00 Kogan.com Credit!

    Hi Clayton Taylor,

    You are receiving this Kogan.com Credit because you spent $500 on eligible purchases with your Kogan Money Black Card.

    $500.00 has been applied to your Kogan.com account!

    Your credit will expire 11:59 p.m. AEDT, March 5th, 2021.

    For more help on how to redeem Kogan.com credit, click here .

    Thank you for shopping at Kogan.com!

    I was approved on 29-11-19 at 13:48. Was expecting the credit no later than 12-03-20

  • PrimalNuke on 05/03/2020 - 14:44
    +3

    We’re on, boys. Just got the email confirming I have $500 worth of credit.

    • frogduck on 05/03/2020 - 14:48

      Nice! Where is it showing in your account?

      • PrimalNuke on 05/03/2020 - 14:51
        +1

        Under the credits section.

  • [Deactivated] on 05/03/2020 - 14:52

    Got the email as well😁👍🏼

  • KB57 on 05/03/2020 - 14:58

    Got the email, $500 in my account now 😄

  • kirt on 05/03/2020 - 15:04

    Got mine too - now just need Kogan to start listing the new Nvidia Shield!

  • sfac on 05/03/2020 - 15:17

    Can you guys tell me your approval dates? Mine was on 06Dec2019. But haven't got the email/credit yet. Thanks.

    • kirt on 05/03/2020 - 15:31

      2 Dec 2019

  • ricerocket on 05/03/2020 - 15:18
    +1

    JUST GOT IT FINALLY!!

    Edit: approved on black friday or possibly a couple of days after. Minimum spend hit mid December.

  • Danstar on 05/03/2020 - 15:39

    Got it too

    And you were all worried…. 😂😅

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