This was posted 1 year 6 months 19 days ago, and might be an out-dated deal.

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Kogan Money Black Card: $500 Kogan Credit ($3000 Spend in 90 Days), $0 Annual Fee @ Kogan Money (New Credit Card Customers Only)

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Kogan Money Black Card: $500 Kogan Credit ($3000 Spend in 90 Days), $0 Annual Fee @ Kogan Money (New Credit Card Customers Only)
Go to Deal
notauser on 06/06/2023 - 22:28 koganmoney.com.au (2425 clicks)
Last edited 07/06/2023 - 07:21

I've been stalking this card as I missed the deal last time, now the extra $100 is back
I don't know what to include so I'm just going to plagiarize CodeXD's write-up and title but with the new spending amount of $3000

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

Usually $400 ($2000 spend in 90 days) but they've upped the credit to $500 with $3000 spend.

Complimentary kogan first membership is included so you no longer have to keep creating accounts for trial XD

$500 Kogan.com Credit
When you spend $3000 on eligible purchases on Kogan.com or elsewhere in 90 days from card approval.†

$0 annual fee
A no annual fee rewards credit card

Uncapped rewards
Earn 2 rewards points per dollar on your eligible purchases at Kogan.com & 1 rewards point per dollar on your everyday purchases, almost anywhere!# Redeem your points for eligible purchases at Kogan.com using Pay with Points (1000 Points = $10 of Credit!)~

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

0% p.a. for 12 months on balance transfers
(no balance transfer fee applies)
Reverts to cash advance rate.x

0% p.a. for up to 24 months when you pay with instalments at Kogan.com1
Eligible Kogan.com purchases only. One-off fee of up to 2.5% applies for instalments. T&Cs apply

Add up to 4 additional cardholders at no cost
All eligible spend by additional cardholders contributes to your rewards!#
Visa payWave
Simply wave and go.◊
Faster Payments with Apple Pay
Pay on the go with Apple Pay on iPhone, Apple Watch, iPad, and Mac^
FRAUDSHIELD® and Visa Zero Liability
Security and fraud protection with FRAUDSHIELD® and Visa Zero Liability

Financial Credit Card Kogan Membership Store Credit VISA

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closed Comments

  • povertytrap on 06/06/2023 - 22:31
    +1

    Great card

  • HD9990 on 06/06/2023 - 22:34

    How about international transactions?

    • Cucumber123 on 06/06/2023 - 22:45

      3.4%

    • bohra30 on 06/06/2023 - 22:50
      -5

      Commbank step pay don't charge anything for international transactions.

  • Wiadro on 06/06/2023 - 22:42

    0% p.a. for 14 months on balance transfers
    (no balance transfer fee applies)
    Reverts to cash advance rate.x

    wow that's a good deal

    • Lancerx on 07/06/2023 - 00:27

      Let's say your credit limit is 10k, and your balance transfer is 8k, do we pay interest component on the 2k, if there's any spending on top?

      • XedeX on 07/06/2023 - 09:18

        Yes u do. There is no interest free period on the $2k.

  • Kangarookiddd on 06/06/2023 - 22:47

    Does $3000 elsewhere mean I can just use the card for anything to reach the 3k spend ?

  • Cucumber123 on 06/06/2023 - 22:49
    +5

    Shit company, great card.

    At least for people that don’t travel often or care about frequent flyer/velocity etc.
    Any rewards program on a no annual fee card is rare (I think this is the only one?). I put most spending through this and rack up enough points to cover random gifts and purchases from kogan throughout the year.

    • Cousin IT on 06/06/2023 - 22:54
      +2

      Amex Essential Card has rewards too

    • me1stt on 06/06/2023 - 22:58

      Coles

    • easternculture on 06/06/2023 - 22:58

      Its a nab card (kogan branded).

      Will show up as nab on credit file

      • USER DC on 06/06/2023 - 23:28

        you mean IT is citi branded (owned by NAB now) ?

        • easternculture on 06/06/2023 - 23:43

          Yep

        • ginger-gin on 06/06/2023 - 23:45

          Could be resell from NAB product like some tier 2,3 insurers resell tier 1 insurers’ products

    • Jackson on 07/06/2023 - 10:10
      +1

      I have used my money on some really necessary stuff, bought range hoods, new taps, motorcycle battery, ceiling fans, only toy I bought was a Sega genesis mini but that was great and was the cheapest ever price at the time. There's heaps of junk on kogan but no one is making people buy it

  • Ozico on 06/06/2023 - 22:51

    How easy/difficult is it to get approved?

    • Cam44 on 06/06/2023 - 23:53
      +5

      I applied for this about 4 weeks ago with a 6k limit and was instantly knocked back. Me and my wife have never been knocked back on any line of credit, we've had black cards with 25k limits and have always held one or more credit cards at a time. Just based on my application, expenses including mortgage etc were around 20% of my income so no idea why it was rejected.

      Strangely I was also knocked back the next day when I applied for a Suncorp platinum card (their cards also underwritten by NAB just like the Kogan ones). I rang Suncorp and asked why I was knocked back as its very unusual, they instantly told me theirs been an issue where they've been auto rejecting. Unsure if this is what happened to me with the Kogan one but seems related.

      Anyway, two days later and Suncorp approved me and Im currently churning their card ($500 worth of giftcards with 3k spend in 90 days, but with a $99 fee)

      • povertytrap on 06/06/2023 - 23:57
        +1

        I was rejected very quickly for the same Suncorp card. I should have contacted them like you, I think too late, a few weeks ago. I was very surprised.

      • MrThing on 07/06/2023 - 09:57
        +1

        kogan, suncorp, virgin, et al are all (citibank) now NAB white label products

        would all use the same credit approval processes…..so shit tier

        funny enough however NABs own label credit cards are fine

      • daanish on 07/06/2023 - 10:14
        +1

        Did you have a NAB/Citi card before applying for the Kogan & Suncorp cards. I wonder if you got the auto-reject because of that.

        • jwl81124 on 07/06/2023 - 17:16

          no, not because of that. I was left plenty money in my citi bank account, still got rejected for no reason, never got any rejected application before Kogan. credit score is excellent at 826

      • cryptos on 07/06/2023 - 14:25

        Same here, no issue with Westpac, ANZ, St George..

    • mikeleemy on 07/06/2023 - 00:46

      got the approval in 3-4 days. applied last time when there was an offer for $400 kogan credit. took the 0% BT for 14 months n never use that card for regular purchases.

      • brongz on 07/06/2023 - 03:43

        So you won’t get $400 by not spending?

      • BargainKnight on 07/06/2023 - 08:55

        Keen to know. I want to take BT but how can you get kogan credit without purchase?

        • Tleyx on 07/06/2023 - 21:04

          If you spend then pay it off immediately it should pay off the spending first, but check pds

    • Wiadro on 07/06/2023 - 11:18

      I got approved in less than 24hrs for 30k limit. LOL

      Just Transfering 3k from an Amex..

    • johnmelb on 07/06/2023 - 18:22

      I already had Citi premier, Citi prestige and Citi ready credit.
      Applied this morning and approved within 3 hours.
      But probably will depend on your situation.

  • coldazure on 06/06/2023 - 22:59
    +1

    Too bad you can't churn this even after a nominal 12-18 month waiting period like most other card issuers. Oh well.

    • ATangk on 07/06/2023 - 01:31

      But theres no annual fee, someone else mentioned its one of the cards to use in between churning.

    • Jackson on 07/06/2023 - 10:16

      What do you mean by churn? You mean leave and come back? I left this card about a year or so ago and at the time I was told I can by their support person (who maybe can't be trusted)

      • coldazure on 07/06/2023 - 10:28

        They have updated their policy as of about a year ago and you can no longer get the sign on bonus by leaving and coming back.

        • Jackson on 07/06/2023 - 10:28
          +1

          ok but does that affect people that were there the year before? or just from then on? There's definitely one way to find out…

          • coldazure on 07/06/2023 - 10:30

            @Jackson: I assume it would because the policy is applicable and checked on sign up, not on exit.

    • tunzafun001 on 07/06/2023 - 10:25

      Can get the card again, just no bonus.
      Tweak your address etc and might get away with it.

  • ausmisc on 06/06/2023 - 23:27

    Think the balance transfer period is 12 months, not 14.

    0% p.a. on purchases for 14 months
    Reverts to ongoing purchase rate. Pay zero interest on purchases for 14 months from card approval

    I can't see any reference to this on the site? All I can see is up to 55 days interest free on retail purchases. Not sure if I'm just dopey or if it has changed since last time it was posted.

    • notauser on 07/06/2023 - 07:21
      +1

      I'll change it to 12

      • ausmisc on 07/06/2023 - 08:34

        Still seems like a good card, just wondering if I have enough expenses to churn it with the other one that should be here any day now hmm.

  • blackfrancis75 on 06/06/2023 - 23:46
    +3

    Just be aware dealing with the Admin on this card is an absolute pain in the arse.
    Shitty App, no Call Center, when you ask to cancel they will not cancel and claim you kept the card beyond the Annual Fee renewal date.
    You can get around all this, I'm just saying be aware.

    • nzcoops on 06/06/2023 - 23:52
      +4

      No annual fee, so….

      Other points are valid for sure.

    • USER DC on 07/06/2023 - 00:35
      +5

      You can get around all this, I'm just saying be aware.

      how ??
      Wouldn't it be nice if you share how with it too ?? rather than just commenting it as a disaster

      • DarkOz on 07/06/2023 - 07:50
        +1

        "I'm just saying be aware. It could be a disaster. There is a way to get around all this disaster that I am warning you about but I am not telling you how."

      • coldazure on 07/06/2023 - 13:35

        I'm going to assume he meant to say that it's crap because of those reasons, but if you can live with that and battle through those issues then it's alright, not that there's a secret tip to have a better app or somehow get better customer service.

    • brongz on 07/06/2023 - 03:45

      Always if you dealing with Citibank unfortunately. They like to play hard ball.

    • donkcat on 07/06/2023 - 08:32

      Legally they have to provide a way to cancel the card online

    • mrjayviper on 07/06/2023 - 10:10

      I was able to speak to someone in chat and in the phone earlier in the week.

      I was able to get hold of someone within 5 minutes (in the middle of the day)

  • ninohax on 07/06/2023 - 00:04
    +2

    The bump up in min speed is way too much! Was $1500 last time when the credit on offer was $500.

    • notauser on 07/06/2023 - 07:27
      +15

      Luckily due to inflation you can buy the exact same things for 3k that used to cost 1.5!

  • Koipanda on 07/06/2023 - 00:13

    †To be eligible to receive the $500 Kogan.com Credit, you must apply for a new Kogan Money Credit Card by 15 June 2023, then spend $3,000 or more on eligible purchases using your new card within 90 days from 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 branded accounts, 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 15 June 2023. Post this advertised date we reserve the right to continue, withdraw or change the offer at any time without notice.

    • nige0090 on 07/06/2023 - 10:41

      Would $3k purchase of Woolworths eGift cards be eligible?
      I don't see gift cards in that exclusion list.

      • Tleyx on 07/06/2023 - 21:05

        Just buy them at Woolies

  • BargainKnight on 07/06/2023 - 00:21
    +2

    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 transfer

    Nice to have $0 balance transfer and $0 annual fee. But will need to pay interest for purchase for $500 kogan credit.

  • danhendo888 on 07/06/2023 - 00:29

    We can pay for flight tickets, pay for Airbnb/hotels etc for the $3000?

    • mikeleemy on 07/06/2023 - 00:48
      +3

      or post something in ebay n ask ur friend/partner to buy the product using this card. ebay has 0% final value offer going on.

      • sriramcse31 on 07/06/2023 - 01:17

        How does this offer work? Any links pls

      • ATangk on 07/06/2023 - 01:31
        -4

        Not sure how you expect to do this, since its $500 kogan credit…

      • Jackson on 07/06/2023 - 10:22

        Professional

    • USER DC on 07/06/2023 - 00:55

      Its really not that hard to spend $3000, technically speaking you spend $3000 even on basics like Bpay payments, internet bills, insurances, car/bike registrations, fines, taxes, and what not

      • stmgr on 07/06/2023 - 02:10

        Is bpay eligible? My 2 months rent is more than 3k.

        • USER DC on 07/06/2023 - 02:18

          Only pros know how to get around that restriction
          Short answer - Indirectly yes

          • leeroys_dad on 07/06/2023 - 07:33

            @USER DC: Please explain! Is it via sniip or similar?

            • USER DC on 07/06/2023 - 19:50

              @leeroys_dad: you indirectly spend the money using the your CC.

              So
              1. you buy another Credit line or Prepaid card, (pay balance using Kogan CC)
              2. Pay for the $3000 (exclusion categories like Rent/ATO/rego etc) or whatever charge you want using that 1. Credit line or Prepaid Card

              its been mentioned multiple times, you should know the credit line I am referring to. Recently had a bannger Boost mobile cashback deals
              prepaid cards may need to be visa/mastercard or eftpos for you to use them at your desired place.

        • notauser on 07/06/2023 - 07:31

          It doesn't specifically say it isn't included.. hopefully someone has experienced before and can comment

          • USER DC on 07/06/2023 - 19:51

            @notauser: Its not really worth taking such a risk is it ?
            given how easy is it to totally avoid this

  • alcadive on 07/06/2023 - 01:24

    Has anyone ever had an issue spending their bonus credit and rewards points together?

    I bought a couple of things using the bonus credit and it was fine, but when i tried to use the last of my credit and pay the balance of my cart with my credit card rewards points i get this error:

    “PAYMENT FAILED

    Your conversion has exceeded the maximum Points allowed per day.“

    I’ve tried again on following days and keep getting the same error. I contacted customer support and got what seems like a canned response after days.

    “Our website uses a complex verification process to prevent unauthorized purchases, and it looks like the multiple attempts to place this order has caused your payment details to be flagged in our system.

    Unfortunately, in this instance, we are unable to process payment using any cards with which you have already attempted payment.

    If you wish to proceed with your purchase, you will need to use PayPal as the payment method, as their verification systems are separate from ours.”

    I responded that there’s no payment method to verify as I’m using credits and points only and I’ve been waiting days for a response again.

    • Spun on 07/06/2023 - 05:09
      +1

      I've had this card for about 18 months now. I actually got this error a few days ago when trying you redeem some points on a purchase via the Kogan app.

      Wasn't a huge amount (~$60) so it didn't make sense. I've also never seen this error before and I've redeemed ~$750 worth of points in one hit previously, so I'm not aware of any daily cap.

      I retried my purchase via the Kogan website and it went through without a problem, so maybe give that a go?

      I reported the issue to Kogan support but got no response.

      • alcadive on 07/06/2023 - 12:17
        +1

        Checking out on the website worked! Thanks, legend.

        • Spun on 07/06/2023 - 12:40
          +1

          No worries man. Glad it worked.

  • sam cho on 07/06/2023 - 07:27
    +1

    Great card, super easy to close it as well, just few clicks from their website.
    I'm churning to other cards but will get it under my wife's name soon.

  • asc on 07/06/2023 - 08:17

    Had this over 3 years ago. Still eligible?

  • Johnny L on 07/06/2023 - 08:21
    +2

    Kogan sells Steam Decks, great bonus if you're after one

    • notauser on 07/06/2023 - 09:36
      +1

      My plan for the last 2 months!

    • Devil on 07/06/2023 - 10:36
      +1

      I must be behind the times. Thought it was some sort of a special popular mop until I just looked it up lol

  • scratchy on 07/06/2023 - 08:51

    I had it for a while. I liked how they emailed you a couple of days beforehand to remind you a payment was due.

  • Javin on 07/06/2023 - 09:00

    Any chance i can avail this as recently closed my kogan card.

    • stjep on 07/06/2023 - 14:02

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

  • PChinna on 07/06/2023 - 09:02

    Does it has any international travel insurance like other cards? I cannot see any info on it in text…

  • Drakesy on 07/06/2023 - 10:42
    +1

    Can't churn unfortunately, have taken this out twice before they put the restriction on.
    Great card anyhow.

  • Kobe24 on 07/06/2023 - 13:27

    Just a question on card churning in general:

    How do you guys deal with them contacting your employer to verify employment for each card?

    • johnmelb on 07/06/2023 - 13:30
      +1

      AFAIK - I've never had them contact my employer.

      • johnmelb on 07/06/2023 - 13:43

        Btw - applied this morning and fully approved 3 hours later (Kogan first already activated on account).
        They would need to be very efficient to contact your employer in such timeframe.

      • Kobe24 on 07/06/2023 - 20:42

        hmm..I must be very unlucky then.

        Only started doing this recently with the Suncorp card and they called my company asking if I work there.

        Hope that's the exception and not the rule!

        • JohnSy on 17/06/2023 - 01:00

          Suncorp is the only credit card provider where they have you fill in the phone details for your employer. My thoughts are that generally other banks would not bother contacting HR unless you had only worked a very short time at your current job.

    • coldazure on 07/06/2023 - 13:37

      Yeah I don't think that's ever happened for me. They have always been satisfied with just my income statements to prove my income.

  • johnmelb on 07/06/2023 - 13:31

    NAB keeps on giving with Citi prestige, Citi premier, Citi ready credit and now Kogan.
    Surprisingly my credit score increased again …

  • Hawky jnr1 on 07/06/2023 - 21:06

    Hoping someone can help me out cause I'm struggling to find how long the points last? I can see in the TCs that the bonus lasts 12 months but is that ongoing with the other points accrued?
    Cheers

  • mrjames on 08/06/2023 - 09:32

    How does the balance transfer work? Do you they just deposit you the money? Would it be possible to just bank it and collect interest for 12 months?

  • Ash lego on 08/06/2023 - 20:57

    Can I pay home loan EMI with this card?

  • tinx on 11/06/2023 - 19:12

    how long does the credit expire?

    can i use it to buy kogan mobile sim? thanks!

    • ausmisc on 12/06/2023 - 11:10

      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.

      • tinx on 12/06/2023 - 19:09

        thanks. yeah found that info.

  • Ben10000 on 12/06/2023 - 23:42

    Hello guys, what can we purchase with $500 Kogan credits?

    Can I get woolies gift cards or some master/visa card or have to purchase something from kogan.com?

    Thank you

  • johnmelb on 13/06/2023 - 11:06

    Interesting, got my approval only last week, but already got a statement.
    Got 0 points for a few hundred $ spent via Liven and also 0 points for spend via tap and pay in store … I thought this would be part of eligible spend though.

    • johnmelb on 13/06/2023 - 13:11

      Update: I contacted support and points have now been added to the app.

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