Kogan.com review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Kogan.com is a rewards credit card with an annual fee of AUD 0, built for shoppers who put most of their spending through the retailer. The transfer offer of 18 at a fee of 2% adds real value, but 21.99% and 3.4% make it a poor card for borrowing or for spending abroad.
Key facts
- Best for
- Kogan.com shoppers who want rewards on their own spending with no annual fee.
- Annual fee
- A$0 (Source, checked September 26, 2026)
- APR
- 21.99% (Source, checked September 26, 2026)
- Currency conversion fee
- 3.4% (Source, checked September 26, 2026)
- Rewards type
- Points (Source, checked September 26, 2026)
- Rewards rate
- 2 Kogan points per $1 on Kogan.com purchases, 1 point per $1 elsewhere; 1,000 points = $10 (Source, checked September 26, 2026)
- Balance transfer intro period
- 18 months (Source, checked September 26, 2026)
- Balance transfer fee
- 2% (Source, checked September 26, 2026)
- Credit needed
- Good (Source, checked September 26, 2026)
- Perks
- Complimentary Kogan First membership, 4 free additional cardholders, 6.99% p.a. for up to 24 months on Kogan.com purchases of $50 or more paid by instalments, Apple Pay and Google Pay compatible, Zero Liability and FRAUDSHIELD fraud protection (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Kogan.com Ltd (Source, checked September 26, 2026)
- Headquarters
- Australia (Source, checked September 26, 2026)
- Founded
- 2006 (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
- Official website
- kogan.com
Apps and profiles
- Get the app
- App Store
- Elsewhere
- www2.asx.com.au
Pros and cons
Pros
- A balance transfer intro period of 18 for a transfer fee of 2%, an offer usually found on transfer cards rather than rewards cards.
- Rewards are paid on every purchase, with the richer rate on Kogan.com spend, so ordinary spending elsewhere still earns points at the lower rate.
- The perks, Complimentary Kogan First membership, 4 free additional cardholders and 6.99% p.a. for up to 24 months on Kogan.com purchases of $50 or more paid by instalments, bundle fraud protection under the FRAUDSHIELD scheme with free additional cardholders and complimentary Kogan First membership.
- Apple Pay and Google Pay compatibility sit in the perks, Complimentary Kogan First membership, 4 free additional cardholders and 6.99% p.a. for up to 24 months on Kogan.com purchases of $50 or more paid by instalments, so the card works from a phone in daily spending.
Cons
- 21.99% is above the median APR for credit cards on the comparison, 20.85%, so carrying a balance is costlier than on most rival cards.
- 3.4% currency conversion is high, ranking 165 of 181 on the comparison, which makes the card expensive for spending abroad.
- Rewards value is tied to the retailer, as the richer rate applies only on Kogan.com purchases and the lower rate elsewhere, so earning power shrinks if shopping spreads around.
- A transfer fee of 2% applies to balances moved, so the 18 intro period is not cost free.
Who it suits
- Shoppers who already concentrate most of their spending on Kogan.com and pay the statement in full.
- People clearing a balance from a higher rate card, since the transfer window of 18 comes with a fee of 2%.
- Applicants with good credit, good, who want a shared household card, since the perks, Complimentary Kogan First membership, 4 free additional cardholders and 6.99% p.a. for up to 24 months on Kogan.com purchases of $50 or more paid by instalments, list free additional cardholders.
Who should look elsewhere
- Spenders who travel or buy in other currencies, as 3.4% conversion charges make Wise a cheaper home for that money.
- Applicants building a credit history, since the good credit, good, asked for here is a hurdle a secured card such as Varo Believe Secured Credit Card, at an annual fee of $0, sidesteps.
Rewards and perks
Kogan.com pays in points rather than cash, so the reward is only worth what you can spend on the retailer. The rewards rate is richer on Kogan.com purchases and thinner everywhere else, and points convert to a fixed dollar value once enough of them build up. The perks fill in the rest: complimentary Kogan First membership, free additional cardholders, Apple Pay and Google Pay compatibility, a reduced instalment rate on Kogan.com purchases paid by instalment, and fraud protection under the FRAUDSHIELD scheme. For a shopper who already concentrates spending on Kogan.com, that combination is the reason to hold this card. For anyone whose spending spreads elsewhere, the points are thin and worth weighing before applying.
Balance transfers
Kogan.com runs a balance transfer offer with an intro period of 18 and a transfer fee of 2%. The fee is charged on the amount moved, so the cost of the offer is limited to the balance being cleared. Inside the window that balance sits at the promotional rate, and once the window closes the balance moves onto the standard rate of the card. That makes the offer a short, defined saving rather than a lasting discount, and it only pays if the money is cleared inside the window. Anyone planning to hold a balance longer should treat the intro period as a deadline rather than a new baseline.
Fees and currency costs
Here is where the cost picture divides. The annual fee is AUD 0, so the card costs nothing to hold across a year, which places it in the same band as Varo Believe Secured Credit Card at $0, Wise at £0 and Chime Card at $0. The purchase APR is 21.99%, above the median for credit cards on the comparison, 20.85%, so revolving a balance is the expensive way to use it. Currency conversion is the weak point at 3.4%, which argues against taking the card on holidays. Balance transfers add a fee of 2% on the amount moved. Repay in full every statement and the annual fee is the only cost left to weigh.
How Kogan.com compares
8.9 vs 9.0
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8.9 vs 8.0
8.9 vs 8.0
Where Kogan.com is available
- Available
- Australia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Is there an annual fee on the Kogan.com card?+
No. The annual fee is AUD 0, and the card is listed as a no annual fee product, so keeping it open for a full year costs nothing. That makes it among the cheaper cards to hold, alongside fee free alternatives such as Wise or Chime Card.
What interest rate does the card charge?+
The purchase rate is 21.99%, higher than the median for credit cards here, which sits at 20.85%. Paying in full each statement avoids that rate entirely, but anyone who carries a balance should read the number as an expensive place to hold money.
Is it a credit card or a debit card?+
It is a credit card, listed under credit in the comparison, and it asks applicants for good credit. That puts it out of reach for anyone building a credit history from scratch, where a secured card such as Varo Believe Secured Credit Card is the more realistic starting point.
Can I move a balance from another card?+
Yes, and this is a real strength in the offer. The balance transfer intro period runs 18 and the transfer fee is 2%, charged on the amount you move. The fee is a fixed charge, so the offer suits people clearing a balance from a higher rate card.
How do the Kogan points work and are they worth anything?+
The card pays in points, not cash, points. The rewards rate is richer on Kogan.com purchases and thinner everywhere else, with points converting to a fixed dollar value. That makes the card strong for shoppers who keep spending on the site and weak for those who do not.
Is my money protected if someone uses the card fraudulently?+
Fraud protection is part of the package. The listed perks, Complimentary Kogan First membership, 4 free additional cardholders and 6.99% p.a. for up to 24 months on Kogan.com purchases of $50 or more paid by instalments, name fraud protection under the FRAUDSHIELD scheme, and the same list includes Apple Pay and Google Pay compatibility so cardholders can pay with a phone. Check the terms of the scheme for the limits it applies.
What does it cost to use the card abroad?+
Foreign currency conversion is charged at 3.4%, which is a steep rate for a card that otherwise charges no annual fee. The card is Australian, AU, so spending away from home adds that fee to every transaction. Wise is the cheaper route for heavy overseas use.
Can my family use the same card?+
Yes, the listed perks, Complimentary Kogan First membership, 4 free additional cardholders and 6.99% p.a. for up to 24 months on Kogan.com purchases of $50 or more paid by instalments, include free additional cardholders, so a partner or dependants can be added to the account at no extra cost. Complimentary Kogan First membership is included as well, which extends the retailer perks to everyone on the account.
Sources
- abr.business.gov.au/Search/ResultsActive checked September 26, 2026
Backs: Legal entity
“96 612 447 293 Active KOGAN.COM LTD Entity Name 3205 VIC”
- en.wikipedia.org/wiki/Kogan.com checked September 26, 2026
Backs: Founded, Headquarters
“Founded 2006 ... The company was founded in 2006 by Ruslan Kogan”
- finder.com.au/credit-cards/kogan-money-credit-card checked September 26, 2026
Backs: Annual fee, APR, Balance transfer fee, Balance transfer intro period, Card kind, Credit needed, Features, Currency conversion fee, Pricing model, Perks, Rewards rate, Rewards type
“Kogan Money Credit Card - Balance Transfer Exclusive Offer ... Annual fee $0 p.a.”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Kogan.com
Kogan.com shoppers who want rewards on their own spending with no annual fee.