Kogan Money Credit Card 0% Balance Transfer for 18 Months, $0 Annual Fee and Kogan Rewards for Aussie Shoppers

Smart balance transfers for Aussies

The Kogan Money Credit Card delivers a genuine 0% p.a. on balance transfers for 18 months, a solid option for Aussies wanting to cut interest and consolidate debt. With a 1% balance transfer fee and no annual fee, this card makes it straightforward to move outstanding balances from other providers and focus on repayment rather than rising interest.

Using the Kogan Money Credit Card to clear credit card debt or personal loans can save hundreds in interest if you stick to a repayment plan during the intro period. It’s particularly useful for shoppers who already buy from Kogan.com and want to combine debt reduction with rewards on future purchases.

Rewards, Kogan First and everyday value

Cardholders earn points on everyday spending, up to 2 points per $1 on eligible purchases, redeemable at Kogan.com for Pay with Points savings. The Kogan Money Credit Card also includes complimentary Kogan First membership, which brings perks like free shipping on eligible items and exclusive deals that boost the value of your rewards.

For regular online shoppers the rewards can offset tech, home or appliance purchases over time; 1,000 points equate to about $10 in savings on Kogan.com. Pairing everyday spending with disciplined balance transfer repayment is a smart Aussie approach to get value while paying down debt.

Costs, catches and what to watch

After the 18-month 0% introductory period the rate rises to 21.74% p.a. for transferred balances and purchases sit around 20.99% p.a., so missing the deadline can be costly. The Kogan Money Credit Card suits disciplined users who can clear transferred balances within the interest-free window to avoid those higher ongoing rates.

There are no interest-free days on new purchases if you carry a balance, so prioritise paying down transferred amounts first. Keep reminders, set up automatic repayments and check the terms on balance transfer eligibility to avoid unexpected fees or rate changes.

How to apply and use it wisely

Applying for the Kogan Money Credit Card is straightforward via the issuer’s online portal; have ID and proof of income ready and check eligibility requirements for Australian residents. Approval times vary but many applicants receive a decision quickly when documents are in order.

Use the card strategically: transfer high-interest debt early, avoid new purchases until transfers are cleared, and redeem points regularly at Kogan.com to maximise savings. When managed responsibly the Kogan Money Credit Card can be a practical tool for cutting debt and getting value back on everyday spending.