Kogan Money Black Credit Card, Score $300 Kogan Credit, No Annual Fee & Unlimited Rewards

Overview of the Kogan Money Black Credit Card

The Kogan Money Black Credit Card is built for Aussie online shoppers who want rewards without the fuss of an annual fee. With an upfront $300 Kogan.com credit and unlimited points on everyday spending, this card targets people who buy tech, homeware and essentials from Kogan.com and want tangible value back on each purchase.

It carries common features like a 0% p.a. balance transfer offer for a limited period, a competitive earn rate and complimentary Kogan First access. Terms such as foreign transaction fees and standard variable interest apply, so it pays to read the Product Disclosure Statement before applying.

Rewards, Points Value and Kogan.com Credit

This card earns points with each dollar spent, typically up to 2 points per $1, and each point translates to about $0.01 when redeemed on Kogan.com. That means 1,000 points equals roughly $10 of value, making it clear and simple to track the return on everyday spend including groceries, utilities and online buys.

The headline $300 Kogan.com credit is a genuine sign-up incentive that can offset initial purchases or act as a starter for tech upgrades. Combined with unlimited reward points and free Kogan First membership, the Kogan Money Black Credit Card is attractive for frequent Kogan shoppers and deal hunters across Australia.

Fees, Interest and Practical Considerations

There is no annual fee, which helps keep the card worthwhile long term if you use it regularly. However, like many cards with strong rewards, the standard purchase rate can be high after any promotional period ends, so plan to pay your balance in full each month if possible to avoid interest charges.

A 3.4% foreign transaction fee applies to purchases made in currencies other than AUD, and balance transfers usually attract a fee or revert to a set rate after six months at 0% p.a. If you travel or shop internationally, factor these costs into your decision and compare with other travel-friendly cards.

How to Apply and Who Should Choose It

Applying is straightforward online through the Kogan Money portal, with eligibility based on income, credit history and residency. The process is similar to other Australian credit card applications and usually asks for ID, income proof and current address details to speed up approval.

The Kogan Money Black Credit Card suits customers who shop often on Kogan.com, value a clear point-to-dollar redemption and want no annual fee. If you prioritise cashback for fuel or extensive travel perks, you might prefer a more specialised card, but for everyday online shoppers this card offers a solid mix of perks and convenience.