If you’re after a credit card that doesn’t chew through your budget but still gives you something back, the Kogan Money Credit Card is a solid pick.
With no annual fee, up to 2 Kogan Points for every dollar spent, and easy ways to redeem them for tech, home gear or even groceries, it’s quickly becoming a favourite for everyday shoppers across Australia.
🌟 Main Perks
- $0 annual fee — permanently. No sneaky intro periods or fine print.
- Earn points easily:
- 2 Kogan Points per $1 spent on Kogan.com
- 1 Point per $1 on all other eligible purchases
- Redeem your rewards hassle-free on Kogan.com or grab digital gift cards.
- Up to 55 days interest-free when you pay off your balance in full.
- Extra value for Kogan First members, who can double their points during select promos.
👤 Who This Card Suits Best
The Kogan Money Credit Card is ideal for:
- Regular online shoppers who love a good Kogan deal.
- Anyone wanting a reliable card without the sting of annual fees.
- Savvy spenders who prefer simple, no-fuss rewards instead of complicated airline programs.
⚙️ How to Get Started
- Head to the Kogan Money website and apply online — it only takes about 10 minutes.
- You’ll get an instant pre-approval check that doesn’t affect your credit score.
- Once approved, your digital card is ready straight away.
- Start earning Kogan Points every time you tap or click.
- Redeem those points easily at checkout on Kogan.com.
⚖️ How It Stacks Up Against Other No-Fee Cards
| Feature | Kogan Money Credit Card | Coles No Annual Fee Mastercard | NAB StraightUp Card |
|---|---|---|---|
| Annual Fee | $0 | $0 | $10–$20/month flat fee |
| Rewards | 1–2 Kogan Points per $1 | 1 Flybuys per $2 | None |
| Bonus Offer | Up to 10,000 Kogan Points | Up to 2,000 Flybuys | N/A |
| Purchase Rate | Around 20.99% p.a. | 19.99% p.a. | 0% interest model |
| Best For | Online shoppers | Supermarket spenders | Simple budgeting |
👍 Pros & Cons at a Glance
Pros
✅ No annual or hidden fees
✅ Straightforward rewards program
✅ Fast online approval and instant digital access
✅ Perfect for frequent online shoppers
Cons
⚠️ Higher purchase interest rate (20.99% p.a.)
⚠️ No balance transfer option
⚠️ Points can only be used within the Kogan ecosystem
The Kogan Money Credit Card is a top choice for Aussies who do most of their shopping online and don’t want to fork out for annual fees.
If you’re already a Kogan First member or simply love finding bargains on electronics, appliances or home essentials, this card is a smart way to earn while you spend.
👉 Check your eligibility and apply for the Kogan Money Credit Card today — it’s quick, easy, and entirely online.
