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Kogan Money Black Card

The Kogan Money Black Card offers 0% p.a. for 12 months on balance transfers. Ongoing benefits include Kogan Points earned on eligible purchases, and no annual fee.

Updated 4 December 2023

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Expert Review

The Kogan Money Black Card is Kogan Money's premium low fee product. This is also the only credit card Kogan Money offers. Featuring a relatively high points earn rate which is Kogan Money's highest and uncapped, the card provides premium features such as insurances. Of the 200+ credit cards reviewed by Stay or Go, this card ranks among the best 1% for earning $100 back in value, such as on a gift card, for an average spend of $5,000 per month. Further, the product has no annual fee, which is Kogan Money's lowest standard annual fee, including up to 55 interest free days. As a result, this card is one of only a limited number that offer an ongoing $0 Annual Fee.

Considering its key features, this card is most suitable to someone who wishes to be rewarded for their spend. Other benefits include Overseas Travel and Medical Insurance which is similar to equivalent products and no additional cardholder fees.

Balance Transfer and $400 Kogan.com Credit.
For a limited time the Kogan Money Black Card has a special 0% p.a. Balance Transfer offer for 12 months. Of note, there is also no Balance Transfer fee which is a significant benefit. Plus, the product has a $400 Kogan.com Credit offer. To get this offer, there will be certain eligibility criteria that you should be aware of before you apply.

Product Details

Earn Kogan Points

1point per $1 spent

Account Fees

$0 annual account fee

Additional Cardholder Fees

No additional cardholder fee

Up to 4 additional cardholders

Transaction Fees

3.40% international transaction fee

Other fees may apply.


20.99% p.a. variable purchase rate

21.74% p.a. variable cash advance rate

Up to 55 interest free days on purchases

Kogan Cashback Offer

0% for 12 monthson balance transfers, reverts to 21.74% p.a.

$400Kogan.com Credit

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Before applying for this product, you should read the Target Market Determination (TMD) available here on the Kogan Money website.

More information
^ Credit card reward programs can be difficult to compare due to tiered and capped points earn rate structures. To simplify comparison, we estimate the number of points you could earn per $1 spent, assuming $5,000 of spend on eligible purchases each month.
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