The Kogan Money Credit Card is issued by NAB (National Australia Bank) under the Visa network, offering customers a streamlined, digital-first card experience. It’s designed for the online shopper who values simplicity, zero annual fees, and the ability to turn spending into tangible rewards.
✅ Eligibility Requirements
To qualify for the Kogan Money Credit Card, you must:
- Be at least 18 years old and a permanent Australian resident.
- Earn a minimum income of around $35,000/year.
- Have a good credit score (usually 600+ on Equifax).
- Provide proof of ID and employment.
💡 Tip: Before applying, check your credit utilisation ratio — aim for under 30% to boost your approval chances.
🧭 How to Apply (Step-by-Step)
- Visit Koganmoney.com.au and select “Apply Now.”
- Use the pre-qualification tool to check if you’re likely to be approved (no hard credit pull).
- Fill out your personal and financial details — income, expenses, and liabilities.
- Submit supporting documents (payslips, ID).
- Receive instant decision — many applicants get conditional approval in minutes.
- Once approved, activate your digital card in the Kogan Money app.
💡 How to Maximise Your Kogan Points
- Shop on Kogan.com regularly — you’ll earn double points on select categories.
- Combine with Kogan First Membership for bonus points and free shipping.
- Pay in full each month to avoid interest and keep your rewards net-positive.
- Use for recurring payments like streaming or bills to accumulate points passively.
🧠 Pro tip: Redeem points during Kogan’s “Mega Sale” events for maximum dollar value — points can stretch 15–20% further during promotional periods.
🕵️♂️ Hidden Perks You Might Miss
- Price Protection Insurance: If a product you purchased becomes cheaper within 21 days, you may be refunded the difference.
- Extended Warranty: Add up to 12 extra months on eligible items.
- Purchase Protection: Coverage for accidental damage or theft within 90 days.
These perks are often overlooked but can save hundreds each year.
🔄 Alternatives to Consider
| Card | Annual Fee | Rewards Type | Best Feature |
|---|---|---|---|
| Coles No Annual Fee Mastercard | $0 | Flybuys | Great for groceries |
| Westpac Lite Card | $9/month | None | Low interest, simple terms |
| ANZ Low Rate Card | $59/year | None | 13.74% p.a. interest |
| Latitude 28° Global Platinum | $0 | None | Excellent for travel |
If you prefer travel rewards or low-interest rates, those alternatives might suit you better.
❓ FAQ: Kogan Money Credit Card
Q1. Does Kogan Money Credit Card do a hard credit check?
Yes — after pre-qualification, final approval includes a full credit inquiry via Equifax.
Q2. Can I use this card overseas?
Yes, it’s a Visa card accepted globally, though foreign transaction fees apply (~3%).
Q3. What happens if I miss a payment?
A late fee of approximately $15 applies, and interest accrues daily.
Q4. Can I add authorised users?
Yes, up to 3 additional cardholders with no extra cost.
Q5. Are Kogan Points transferable?
No, they’re tied to your account but can be used for any purchase at Kogan.
🧾 Final Verdict
The Kogan Money Credit Card hits a sweet spot between simplicity and value.
While it’s not the best choice for travellers or balance transfers, it’s unbeatable for online shoppers who want to earn consistent rewards without paying annual fees.
With strong digital tools, fast approval, and versatile redemption options, it’s one of Australia’s most practical fee-free cards.
👉 Check your eligibility for the Kogan Money Credit Card now and start earning rewards for the things you already buy.
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