Kogan Money Credit Card Review (2026)
Rates and details verified 18 May 2026
Rates can change without notice. Last verified: 18 May 2026 (AEST). Please confirm details on the bank’s official page.
Annual fee
$0
no annual fee
Balance transfer
0%
18m, 2% BT fee
Purchase rate
22.74%
p.a. (high — pay in full)
About the Kogan Money Credit Card
The Kogan Money Credit Card is issued by Citi and branded by Kogan.com. It stands out for having no annual fee, a Kogan Rewards program, and one of the longer 0% balance transfer periods (18 months) available on a no-fee card. The 2% balance transfer fee is also lower than the 3–5% charged by most competitors.
The key trade-off: the purchase rate is 22.74% p.a. — significantly higher than low-rate cards. This card is best suited to people who pay their balance in full each month and want to earn Kogan Rewards, or those specifically looking for a no-fee card with a balance transfer option.
Key Rates and Features
| Feature | Detail |
|---|---|
| Purchase rate | 22.74% p.a. |
| Annual fee | $0 |
| Balance transfer rate | 0% p.a. for 18 months |
| Balance transfer fee | 2% (lowest no-fee BT fee) |
| Interest-free days | Up to 55 days |
| Rewards | Kogan Rewards (uncapped) |
Rates as at 18 May 2026. Check Kogan Money's website for the latest.
Pros and Cons
Pros
- ✓ $0 annual fee
- ✓ 0% BT for 18 months — good for a no-fee card
- ✓ 2% BT fee — lowest of any no-fee BT card on this page
- ✓ Kogan Rewards on eligible spending
Cons
- ✗ 22.74% purchase rate — high; do not carry a balance
- ✗ Kogan Rewards value depends on Kogan shopping frequency
- ✗ BT revert rate is 22.74% — clear debt before 18m
How It Compares
- Heritage Bank Gold: 11.8%, $0 fee, 0% BT 12m, 0% BT fee — lower rate
- Kogan Money: 22.74%, $0 fee, 0% BT 18m, 2% BT fee — longer BT, rewards
- ANZ Low Rate: 13.74%, $58 fee, 0% BT 26m, 3% BT fee — longest BT
→ Compare all balance transfer cards · → Compare all no annual fee cards
FAQs
Is the Kogan Money card good for carrying a balance?
No — 22.74% p.a. is expensive. If you carry a balance regularly, consider the Amex Low Rate (10.99%), Heritage Bank Gold (11.8%), or Bankwest Breeze Classic (12.99%).
How long is the 0% balance transfer period?
18 months with a 2% balance transfer fee. After 18 months, the rate reverts to 22.74% p.a.
Who issues the Kogan Money credit card?
The Kogan Money Credit Card is issued by Citi (Citibank) and branded by Kogan.com.
Information verified 18 May 2026. Rates and fees subject to change. Confirm current terms on Kogan Money's website before applying. This is not financial advice.