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Kogan Money Credit Card
Kogan Money Credit Card
CREDIT CARD
Visa

Kogan Money Credit Card

4.5 of 5
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💵
Annual fee
Free
💰
Minimum Income
$ 35.000,00
💳
Number of Installments
Up to 24x
🎖
Score Level
· Medium
HOW TO APPLY

Looking for a credit card that offers more than just the basics? The Kogan Money Credit Card might just be what you need.

Designed for those who want to make the most of their spending, this card combines practical benefits with rewarding perks. But what exactly makes it stand out in the crowded credit card market? Let’s dive in.

Why the Kogan Money Credit Card Stands Out

The Kogan Money Credit Card is not just about making payments—it’s about enhancing your financial experience. Here are some of the standout benefits that make this card a cut above the rest:

  1. Zero Annual Fee
    One of the biggest draws of this card is the complete absence of an annual fee. You can enjoy all the perks without the burden of an annual charge, making it a cost-effective choice for budget-conscious consumers.
  2. Interest-Free Balance Transfers
    Got existing credit card debt? With 0% p.a. interest on balance transfers for 18 months, this card offers a perfect opportunity to consolidate and manage your debt more effectively. The small 1% transfer fee is a minor trade-off for such a generous interest-free period.
  3. Generous Rewards Program
    Every dollar spent at Kogan.com earns you 2 rewards points, and other purchases earn 1 point per dollar. These points can be redeemed for credit at Kogan.com, adding tangible value to your everyday spending.
  4. Exclusive Membership Perks
    As a cardholder, you also receive a complimentary Kogan First Membership, giving you access to free shipping and exclusive deals on thousands of products. This perk alone can save frequent Kogan.com shoppers a significant amount.

Backed by a Trusted Name in Finance

The Kogan Money Credit Card is issued by the National Australia Bank (NAB), one of the oldest and most trusted financial institutions in Australia. Founded in 1858, NAB has a rich history of providing reliable banking services to Australians.

What’s more interesting is how NAB has adapted over the years, embracing digital transformation to meet modern consumer needs. Partnering with Kogan, a leading online retailer, NAB brings its financial expertise to a new generation of tech-savvy consumers through this card.

A fascinating aspect of NAB’s history is its role in shaping the financial landscape in Australia. As one of the Big Four banks, NAB has been instrumental in developing financial services that cater to the diverse needs of Australians. By collaborating with Kogan, NAB continues its tradition of innovation, offering a product that blends the best of banking and e-commerce.

Who Is the Kogan Money Credit Card For?

This card isn’t for everyone, but if you’re someone who regularly shops online (especially at Kogan.com) it’s worth considering. It’s also ideal for those looking to consolidate debt through balance transfers without worrying about annual fees.

Additionally, if you’re a rewards enthusiast who enjoys turning everyday purchases into points that translate into savings, this card could be a game-changer.

On the other hand, if you’re someone who rarely shops online or prefers in-person services with physical perks, there might be other cards better suited to your lifestyle.

The Kogan Money Credit Card is tailored for a digital-first consumer, someone who values the convenience of online shopping and the ability to manage their finances with minimal fuss. If that sounds like you, this card could be the perfect addition to your wallet.

Discover a Smarter Way to Spend

Curious to see how the Kogan Money Credit Card can fit into your financial plans? Click the button below to explore the full range of benefits and find out how easy it is to apply online.

Fees

PURCHASE INTEREST RATE

9.99% p.a. for 18 months, then reverts to 21.99% p.a.

OTHER FEES

- Cash Advance Rate: 22.74% p.a.
- Balance Transfer Rate: 0% p.a. for 18 months with a 1% fee, reverts to 22.74% p.a.
- International Transaction Fee: 3.4% of the transaction value

SOURCE

Kogan Money Official Website

Expert Analysis

The Kogan Money Credit Card offers solid rewards and no annual fee, making it a top choice for savvy online shoppers looking to maximise their savings.

HOW TO APPLY

+ Positive Points

- No Annual Fee.
- 0% interest for 18 months.
- Unlimited rewards points earnings.
- Kogan First Membership.

- Negative Points

- High Cash Advance Rate.
- Limited Points Redemption
- Balance Transfer Fee: 1% .
- Specific Shopper Appeal.

Expert Evaluation

Fees
4,50
Benefits
4,50
Final Score
4,50

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Annual fee
Annual fee
Free
Annual fee
$ 49,00
Annual fee
Free
Minimum Income
Minimum Income
$ 35.000,00
Minimum Income
$ 20.000,00
Minimum Income
No Minimum Income
Number of Installments
Number of Installments
Up to 24x
Number of Installments
Up to 0x
Number of Installments
Up to 0x
Card Brand Visa Visa Visa
Coverage International International International
Rating Level
Rating Level
Medium
Rating Level
Medium
Rating Level
Medium
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