This was posted 2 years 11 months 10 days ago, and might be an out-dated deal.

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Kogan Money Black Card: $400 Kogan Credit (With $1500 Spend in 90 Days) @ Kogan Money (New Credit Card Customers Only)

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Kogan Money Black Card: $400 Kogan Credit (With $1500 Spend in 90 Days) @ Kogan Money (New Credit Card Customers Only)
Go to Deal
oz-sam on 12/01/2022 - 22:55 koganmoney.com.au (1718 clicks)
Last edited 05/03/2022 - 23:47 by 3 other users

Why choose the Kogan Money Black Card?
$400 Kogan.com Credit
When you spend $1,500 on eligible purchases on Kogan.com or elsewhere in 90 days from card approval†

$0 annual fee
A no annual fee rewards credit card

A rewards program that delivers real value
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#. Redeem your points for eligible purchases at Kogan.com using Pay with Points (100 Points = $1 of Credit!)~

Complimentary Kogan Membership
Get free shipping on 1000’s of products, express shipping upgrades, and exclusive specials at Kogan.com with your complimentary Kogan First Membership.‡

0% p.a. for 12 months on balance transfers
(no balance transfer fee applies)
Reverts to cash advance rate. No interest free days on retail purchases apply while you have a balance transferx

Add up to 4 additional cardholders at no cost
All eligible spend by additional cardholders contributes to your rewards!#

Visa payWave
Simply wave and go.

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

Financial Credit Card Kogan Kogan Money Membership Store Credit VISA

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closed Comments

  • dosada on 12/01/2022 - 23:12
    +1

    I'd rather trust Western Union than kogan with my money

    • Bigboomboom on 12/01/2022 - 23:25
      +5

      Kogan is just a rebrand, it's a Citibank Visa card.

    • duodeta on 13/01/2022 - 02:01
      +1

      Kogan is SHIT and NO customer service after you buy.

      • Omarko on 13/01/2022 - 09:39

        bought heaps of stuff from them over the years, everytime I had a problem, it was promptly fixed and items replaced. So yeah, I guess you get mixed experienced with any large retailer.

        • taoz on 13/01/2022 - 10:20

          Likewise. Each time rectified problem.
          A fair few items have been poorly made or poor quality.

      • oshe on 13/01/2022 - 10:56

        i’ve had stuff refunded before, had to send a video of the fault first

  • szy2k on 12/01/2022 - 23:25
    +10

    Have been using this card since it was introduced and absolutely love it. The card offers great value in terms of points when you redeem through Kogan and the complimentary membership is definitely very handy when you buy things from Kogan. Their app, customer service and delivery have all improved significantly. Had product broken down and Kogan offered immediate replacement with no questions asked.

    • Bigboomboom on 12/01/2022 - 23:34

      So far this year I have had
      Dreame V10 replaced (whole package) when just the roller head broken down. Had to send back the whole vac with all accessories with their return label.
      Galaxy Watch Actice 2 refunded (third party seller on Kogan Marketplace). They tried to refund me with Kogan credit, I said no and they issued refund via original payment method.

    • povertytrap on 13/01/2022 - 00:57
      +1

      Agreed. The best free annual credit card on the market. Even when you pay on the site with credits they give you a further 1% back in more reward credits and you can even go through velocity estore to double up on velocity points. I spent $700 last year on the Kogan site with reward points and got great value, thanks to Kogan posts on Ozbargain.

      • Orrelljet on 13/01/2022 - 08:53

        Also in the agreed camp. I got this when they had the spend $500 in 30 days to get $500 deal a while back and it got me an official refurb Mavic Pro fly more kit for $499. The only thing I had to buy from Kogan was the drone and that was the whole point. No fees.

        • szy2k on 13/01/2022 - 11:14

          I remember that one, that was the best deal this card has ever offered, regret jumping on the bandwagon too soon.

  • BigMac2000 on 12/01/2022 - 23:28

    Can I buy $1500 worth of rapid antigen tests please

  • bdl on 12/01/2022 - 23:34

    Kogan + Citibank = Harvey Norman

    • sfac on 12/01/2022 - 23:35
      +3

      Kogan + Citibank + Harvey Norman = ???

      • szy2k on 12/01/2022 - 23:45

        Soon to be Kogan + nab, at least the colour of their logos are all black + red.

      • bdl on 13/01/2022 - 08:13

        eBay Plus

      • akanub on 14/01/2022 - 10:27

        2 Harvey Norman

  • Nand0sx on 13/01/2022 - 00:10
    +2

    Please don't support the dodge central that is Kogan.

    There are much much much better reward cards out there.

    • cook99 on 13/01/2022 - 00:12
      +2

      This is fine too apply for, take their $400 and close immediately.

      • Nand0sx on 13/01/2022 - 00:14
        +2

        Is $400 worth a hard credit enquiry? Credit cards as always comes with consequences and thus should be treated as such.

        • cook99 on 13/01/2022 - 02:46
          +2

          For those on waiting period with Amex, ANZ, Westpac, Qantas, St George… Yeah worth it to me, but unfortunately I'm not eligible as I churned 3 @ $500 free credit each before they changed the terms to exclude anyone who ever held the card.

          I've had over a dozen hard credit enquiries over the last 2 years with no consequence. Since the credit rules changed recently those hard checks don't hurt your score nearly as much as they now take into account payment history and other factors, not just the enquiry.

          Don't get me wrong, Kogan is scum, but I don't see an issue costing them money here.

        • jjcf on 13/01/2022 - 09:45
          +1

          The paranoia here about credit enquiries in an era of CCR is silly.

          • ldq on 28/01/2022 - 11:29
            +1

            @jjcf: Creedence Clearwater Revival disbanded 50 years ago.

    • ilikedeals on 13/01/2022 - 00:33

      Much much better reward cards = examples?

      Looking for reduced/low annual fee and high point bonus offer. Any recommendations?

      • Nand0sx on 13/01/2022 - 00:37

        https://www.ozbargain.com.au/node/676149

        This is about as good as it gets but you need to be wanting to travel. Think long term, travel doesn't need to happen now. If you calculate the 120,000 at the very lowest possible redemption rate you get $1200 worth of Qantas points. Spend it wisely and you can get much much more. Recently there were $12,000 Sydney to London first-class seats available for 120,000 points.

        • ilikedeals on 13/01/2022 - 00:44

          Good card, I agree
          Shame I already have an AMEX card :(

          • Nand0sx on 13/01/2022 - 00:47

            @ilikedeals: ANZ? 100k is the target.

            • ilikedeals on 14/01/2022 - 23:13

              @Nand0sx: Closed the ANZ travel rewards card about 10 months ago so gotta wait to churn 🥲

          • Euthyphro on 13/01/2022 - 06:29

            @ilikedeals: Cancel your existing AMEX card and get this one.

            • ilikedeals on 14/01/2022 - 23:13

              @Euthyphro: Sorry was replying to Nan0sx in that they suggested I get the Qantas AmEx Ultimate (in link above) but I already have an AMEX card.

              Yeah thinking about getting the Kogan one except I don’t even shop at Kogan 😂

    • Drakesy on 29/01/2022 - 20:12
      +1

      If anything, churning a Kogan card is the best thing to be doing to them.
      Literally taking their money and spending it on Kogan's own items with no out of pocket expense to me.

      Took this out, bought a robotic vacuum with $400 off which was great.

      No qualms about it.

  • cook99 on 13/01/2022 - 00:12
    +2

    "If you have previously held a Kogan Money Credit Card, you will not be eligible for this offer."

    Unfortunately not even a lockout period for this like the standard 12 or 18 months.

    • SS625 on 13/01/2022 - 09:23

      Where you read that

      • cook99 on 13/01/2022 - 11:59
        +1

        It's buried deep in the terms and conditions. The about was a copy/paste

        • sween64 on 27/02/2022 - 12:45

          Did you apply? Any chance they wouldn't realise?

          • cook99 on 27/02/2022 - 14:10

            @sween64: No I didn't apply, in certain their systems would pick it up

  • TEER3X on 13/01/2022 - 06:37

    Got declined a month ago

    Just signed up to Suncorp no problem, and also to ANZ a year or so ago

    Not sure why I got declined

  • Cucumber123 on 13/01/2022 - 08:12

    As much as I hate Kogan as a company, I have this card and it is great.

    Hard to find a no annual fee card with any rewards. (I rarely travel, even before covid, so not interested in any frequent flyer programs/points).

    I use the card for all spending and pay off in full each month. The rewards points pay for random gifts or small items throughout the year. Now that Kogan operates as a marketplace, not just their own crap, it’s much better as points can be used to pay for marketplace items and you still get the free shipping I believe.

  • impulse555 on 13/01/2022 - 08:19

    Good card if you can get on this deal. I had it before

  • Magicmagic on 13/01/2022 - 10:43
    +1

    The section on the bottom "View all important information"

    "This offer is for new Kogan Money Credit Card customers only and cannot be used in conjunction with any other promotions or offers. If you have previously held a Kogan Money Credit Card, you will not be eligible for this offer."

    This needs to be added to the description.

  • Basilplant88 on 13/01/2022 - 12:10
    -1

    Do you have to spend the 1500 on the Kogan website? Or can you spend it anywhere (excluding usual cash advance etc)

    • oz-sam on 13/01/2022 - 12:16

      Any where
      To be eligible to receive the $400 Kogan.com Credit, you must apply for a new Kogan Money Black Card by 28 February 2022 and spend $1,500 on eligible purchases in 90 days from card approval. Eligible purchases excludes Cash Advances, Balance Transfers, Special Promotions (for example, transfers to other accounts with a Fixed Payment Option), refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi Accounts, bank fees and charges such as interest and ATM charges, and transactions made using Rewards Points. The Kogan.com Credit will be credited to your Kogan.com account up to 10 weeks after the end of the qualifying period, and will expire 12 months from the date it is applied. Your Kogan.com account will be set up upon approval of your application (if you don’t already have one). You will receive an email requesting that you activate your Kogan.com account and agree to the Kogan.com Terms and Conditions and Privacy Policy. Your Kogan Money Credit Card must remain open and in good standing, and your Kogan.com account must remain open for the Kogan.com Credit to be credited. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. This offer is for new Kogan Money Credit Card customers only and cannot be used in conjunction with any other promotions or offers. If you have previously held a Kogan Money Credit Card, you will not be eligible for this offer. This offer is valid until 28 February 2022. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

  • Grazz989 on 13/01/2022 - 20:57

    Dumb question: What counts as eligible spending, and does that vary much from card to card? (The terms and conditions just list a few excluded things, but surely it's not that simple). Is there a quick way to find out if a prospective purchase counts or not?

    It's a long story but a family member needs specialist surgery to cut some cancer out (we caught it real early thankfully) but the private surgeon's costs are >$10,000, due in a couple weeks. I can pay it outright with savings, but if I can get a bunch of cards with these spend X in the first month deals and cover it that way, it would cut the cost significantly.

    • szy2k on 14/01/2022 - 10:36

      I am sure that counts as a purchase, I myself has paid surgery fees a few times and all were treated as standard purchases.

    • BellaWii on 14/01/2022 - 11:54

      For the Kogan $400 credit, BPAY and government payments are considered eligible purchases based on the t&c provided by oz-sam above.

      But for Kogan reward points, BPAY and government payments are excluded as eligible purchases based on Kogan credit card t&c.

      If you get invoiced by a public hospital for the bed it might be considered a govt payment.

  • Eugklng on 13/01/2022 - 22:24
    +1

    I have this card and was slapped with international transaction fees even when the website have prices in Australian dollars when shopping online. I even got charged when I paid through PayPal Australia.

    I know this is an issue right now where it is impossible for consumers to tell which website processes payments within or outside of Australia and credit cards do have the right to charge those fees based on their T&Cs, but I am very sure other cards certainly has some leeway with this rule. For example I bought from the same exact merchant using ANZ's reward card with the same chargable international fees in their T&Cs as Kogan and paid through PayPal. ANZ did not charge me any international fees but this Kogan card did. Just goes to show Kogan will be ruthless and will squeeze every cent they can from you and hopefully you will not resist. I kicked up a fuss about this and finally got those fees refunded but took many months for that to happen.

    • taoz on 21/01/2022 - 00:37

      yea its annoying, it seems any transaction processed outside australia gets charged the fee, no matter what the currency is.
      i

  • plentifoo on 18/01/2022 - 04:17
    +2

    i posted in the previous deal thread checking to see if anyone has received their $400 credit. Seems like no one has gotten it yet months after spending on the card. Any existing cardmembers care to comment on whether they've gotten their $400 credit and how what the lead time was for it to be processed?

    • Cucumber123 on 18/01/2022 - 09:00
      +1

      I signed up when it was posted last year, did the minimum spend and received the credits on the same day I received my first statement.

      • hnl on 18/01/2022 - 20:55

        I had applied quite a number of citi-backed credit cards in the past and had the same experience as you.

  • hnl on 18/01/2022 - 20:37

    Applied on Sunday and got approved today. Will apply the citi premier quantas 3 months from now.. thank you op

  • nivel1971 on 31/01/2022 - 11:17

    I advise you not to get this card. There is nothing good about this company.
    This company's customer service is insufferably obnoxious, impatient, and not the brightest. It is my worst nightmare.

    • runamuck on 31/01/2022 - 11:18

      Care to share the story?

      • nivel1971 on 03/02/2022 - 09:14

        Incident 1 - I couldn't log in and no matter how I explained it over chat, the rep did not understand. I wanted to speak to her so I could explain better which she refused, offered to email a screenshot which too didn't bode well. It was just because of an update but that took us three days to figure out.

        Incident 2 - When I asked whether BPAY was considered a cash advance, I got two different answers. There was no acknowledgement when I confronted them.

        Incident 3 - I forgot I had autopay set up and paid my card in full. My bank account was credited two days later. My complaint was ignored and I was advised not to do a transfer if there's autopay. I did not receive a refund. Totally flabbergasted.

    • oz-sam on 31/01/2022 - 12:18
      +2

      This is just co branded card, At the end you actually deal with Citi bank.

  • kator on 11/02/2022 - 17:52
    +2

    I have received the $400!

    Almost 2 months after i reached the $1500 spending.

  • bongo007 on 16/02/2022 - 10:25

    Anyone else have issues with the android app? Crashes straight after login.
    Also the website, getting "We are having some temporary delays. Please try again later." Been like this for a while now!?

    • oz-sam on 16/02/2022 - 15:37

      Just an FYI :Works with iPhone.

  • oz-sam on 16/02/2022 - 15:38
    +2

    I got my credit, even before getting statement.

    • Altf4z on 25/02/2022 - 22:52

      Is there an expiry date on the credit?

      • oz-sam on 26/02/2022 - 09:18
        +3

        1 year

  • demiurge on 03/03/2022 - 17:54

    Got the credit finally, absolutely nothing worth buying though. Kogan is trash.

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