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CREDIT CARDS


KOGAN MONEY CREDIT CARD.


EARN $300 KOGAN.COM CREDIT.

Spend $3,000 on eligible purchases in the first 3 months from card approval†

Apply now



OUR LATEST OFFER!


EARN $300 KOGAN.COM CREDIT

When you spend $3,000 on eligible purchases in 3 months from card approval†


0% P.A. ON BALANCE TRANSFERS FOR 6 MONTHSX

Reverts to a cash advance rate.
No interest free days on retail purchases apply while you have a balance
transfer.


$0 ANNUAL FEE!

Enjoy no annual fee
throughout ownership


SPEND AT KOGAN.COM & ELSEWHERE

Use your Kogan Credit Card for your everyday spend. Earn points on all eligible
transactions#
See all benefits


WHY CHOOSE THE KOGAN MONEY CREDIT CARD?


$300 KOGAN.COM CREDIT

When you spend $3,000 on eligible purchases on Kogan.com or elsewhere in 3
months from card approval†


0% P.A. FOR 6 MONTHS ON BALANCE TRANSFERS
(NO BALANCE TRANSFER FEE APPLIES)

Reverts to cash advance rate. No interest free days on retail purchases apply
while you have a balance transferx


$0 ANNUAL FEE

A no annual fee rewards credit card


UNCAPPED REWARDS

Earn 2 rewards points per dollar on your eligible purchases at Kogan.com & 1
rewards point per dollar on your everyday purchases, almost anywhere!# Redeem
your points for eligible purchases at Kogan.com using Pay with Points (1000
Points = $10 of Credit!)~


COMPLIMENTARY MEMBERSHIP

Get free shipping on 1000’s of products, express shipping upgrades, and
exclusive specials at Kogan.com & Dick Smith‡


0% P.A. FOR UP TO 24 MONTHS WHEN YOU PAY WITH INSTALMENTS AT KOGAN.COM1

Eligible Kogan.com purchases only. One-off fee of up to 6.5% applies for
instalments. T&Cs apply


ADD UP TO 4 ADDITIONAL CARDHOLDERS AT NO COST

All eligible spend by additional cardholders contributes to your rewards!#


VISA PAYWAVE

Simply wave and go◊


FASTER PAYMENTS WITH APPLE PAY

Pay on the go with Apple Pay on iPhone, Apple Watch, iPad, and Mac^


PAY FOR WHATEVER, WHENEVER WITH GOOGLE PAY

Google Pay is the fast, simple way to pay on sites, in apps, and in stores using
the Kogan Money Credit Card saved on your Google Account


FRAUDSHIELD® AND VISA ZERO LIABILITY

Security and fraud protection with FRAUDSHIELD® and Visa Zero Liability


APPLYING ONLY TAKES MINUTES!

Apply Now
Apply Now


MOBILE WALLETS – PAY ANYWHERE, ANYTIME!

Mobile Wallets is the fast, simple and secure way to pay on sites, in apps and
in stores using your Kogan Money Credit Card.




SPEND & EARN WITH UNCAPPED POINTS POTENTIAL.

What are my points worth?

1000 Points = $10 Kogan.com credit!~

Earn 1 Point

Per $1 on eligible spend almost anywhere!#


Earn 2 Points

Per $1 eligible spend on Kogan.com with no cap on earning

Redeem your points for eligible purchases  at Kogan.com using Pay with Points!~
Full details
 * Reward Points
 * Rates, Annual Fees & Limits
 * Fees & Charges


UNCAPPED REWARDS POINTS

Earn up to 2 rewards points per dollar.#

 * 2 rewards points per $1 of eligible spend on Kogan.com.
 * 1 rewards point per $1 of eligible spend outside Kogan.com.

You can redeem your points in one of two ways.

 1. Redeem your rewards points for eligible purchases made on Kogan.com.
    Register your Kogan Money Credit Card for “Shop with Points” with your
    Kogan.com account and this option will be available at checkout for eligible
    purchases.~
 2. Redeem your rewards points for Kogan Money Credit Card payments made at
    www.koganmobile.com.au and www.koganinternet.com.au. Login in to your credit
    card account online or on your Kogan Money Credit Cards Mobile App, select
    the eligible credit card payment and follow the instructions to pay with
    your rewards points.§



Annual fee $0 Retail purchase rate 20.99% p.a. Cash advance rate 21.74% p.a.
Minimum credit limit $6,000 Additional cardholder annual fee $0 Interest free
days on retail purchases (unless you have a balance transfer) Up to 55Δ Balance
transfer rate at end of offer period Reverts to cash advance rate Minimum income
required $35,000



Domestic Cash Advance Fee $5 per transaction amount or 3.5% of the transaction
value, whichever is higher, for a Cash Advance, debited to your Account on the
Transaction Date. Please note that International Cash Advances will also be
charged an International Transaction Fee. International Cash Advance Fee $5 per
transaction amount for a Cash Advance outside of Australia, debited to your
Account on the Transaction Date. International Transaction Fee We charge you an
International Transaction Fee of 3.4%, debited to your Account on the
Transaction Date, of which a service and assessment fee of 1% is payable by us
to Visa, for any Retail Purchase or Cash Advance transaction in:
 * foreign currency once converted to Australian dollars; and/or
 * Australian dollars (or any other currency), when either the merchant or its
   financial institution/payment processor is located or registered overseas,
   including transactions that involve dynamic currency conversion (that is
   where a transaction denominated in a foreign currency is converted to local
   currency which is a service that is offered by certain ATMs and merchants).
   The process of conversion and the exchange rates applied will be determined
   by the relevant ATM, merchant or dynamic currency conversion service provider
   as the case may be. We do not determine whether a Card transaction will be
   converted into local currency by the merchant or ATM and you may have to
   check with the relevant merchant or ATM provider.

Note: It may also not always be clear that the merchant or its financial
institution/payment processor is located or registered outside Australia.
Dishonour Fee $15 each time a Direct Debit payment is dishonoured, debited to
your Account at the time of dishonour. Late Payment Fee $30 each time we do not
receive the Minimum Payment Due and any Overdue Amount by the Payment Due Date,
debited to your Account after the Payment Due Date. The Minimum Payment Due, any
Overdue Amount, and Payment Due Date are detailed on your statement of Account.




ELIGIBILITY CRITERIA

 * You receive a regular income.
 * Be in permanent full time or part time employment, or be self employed, and
   have a good credit rating.
 * Be 18 years or older and a permanent Australian resident.
 * Have a valid email address and mobile number.

To obtain a copy of the Target Market Determination (TMD) related to this
product click here.

View all important information

All applications are subject to credit criteria. Fees, charges and Terms and
Conditions apply. See the full Terms and Conditions related to this product at
koganmoney.com.au/credit-cards/important-information. This offer is for new
Kogan Money Credit Card customers only and cannot be used in conjunction with
any other promotions or offers. If you have previously held a Kogan Money Credit
Card, you will not be eligible for this offer. This offer is valid until 30
April 2024. Post this advertised date we reserve the right to continue, withdraw
or change the offer at any time without notice. This information is correct at
25 March 2024. Any interest rates shown are variable. Kogan Money Credit Cards
are issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and
Australian Credit Licence 230686) (“NAB”). NAB has acquired the business
relating to these products from Citigroup Pty Ltd (ABN 88 004 325 080, AFSL and
Australian Credit Licence 238098) (“Citi”) and has appointed Citi to assist to
administer the products. Our/us/we means NAB unless the context otherwise
requires it.

†To be eligible to receive the $300 Kogan.com Credit, you must apply for a new
Kogan Money Credit Card by 30 April 2024, then spend $3,000 or more on eligible
purchases using your new card within 3 months from approval (spend period).
Please note, purchases must be processed and charged to your account within the
spend period. Eligible purchases excludes Cash Advances, Balance Transfers,
Special Promotions (for example, transfers to other accounts with a Fixed
Payment Option), refunds and chargebacks, purchases of foreign currency and
travellers cheques, transactions made in operating a business, payments to other
Citi branded accounts, fees and charges such as interest and ATM charges, and
transactions made using Rewards Points. The Kogan.com Credit will be credited to
your Kogan.com account up to 10 weeks after the end of the qualifying period,
and will expire 12 months from the date it is applied. Your Kogan.com account
will be set up upon approval of your application (if you don’t already have
one). You will receive an email requesting that you activate your Kogan.com
account and agree to the Kogan.com Terms and Conditions and Privacy Policy. Your
Kogan Money Credit Card must remain open and in good standing (for example your
account is not in default, suspended, or closed), and your Kogan.com account
must remain open for the Kogan.com Credit to be credited. Please note that if
you have a balance transfer, you will be charged interest on any spend that you
make. This offer is for new Kogan Money Credit Card customers only and cannot be
used in conjunction with any other promotions or offers. If you have previously
held a Kogan Money Credit Card, you will not be eligible for this offer. This
offer is valid until 30 April 2024. Post this advertised date we reserve the
right to continue, withdraw or change the offer at any time without notice.

xYour total Balance Transfers may not exceed 80% of your credit limit. The 0%
p.a. interest rate applies to balances transferred with this offer for a period
of 6 months. The 6 months promotional period commences when the Balance Transfer
is processed, and you must make the Balance Transfer request within 3 months
from approval to receive this offer. At the end of the balance transfer period,
the interest rate on any outstanding transferred balance will revert to the
variable annual percentage rate for cash advances, currently 21.74% p.a. on the
Kogan Money Credit Card. Interest rates are variable and subject to change. The
interest rates are current as at 25 March 2024. This offer is valid until 30
April 2024, unless extended. Please note that you are not entitled to any
interest free days whilst you have a balance transfer. This means that all spend
will be charged interest at the variable annual percentage rate for retail
purchases. Rewards Points are not issued on balance transfers. This offer is for
new Kogan Money Credit Cardholders only and is subject to be extended, without
notice at our discretion, is non-transferrable and can’t be used in conjunction
with any other promotions or offers. For important information to consider
before taking up a balance transfer, please refer to our balance transfer FAQs
at koganmoney.com.au/credit-cards/FAQs.

1Fixed Payment Options are subject to eligibility criteria and only available
when your account is and remains in good standing (for example your account is
not in default, suspended, or closed). The general terms for a Fixed Payment
Option are included in your Credit Card Terms and Conditions and Other Important
Information. You must have a Kogan.com account, be the primary cardholder of a
Kogan Money Credit Card, enrol your Kogan Money Credit Card with Kogan.com and
agree to the Pay using Fixed Payment Options at Kogan.com terms and conditions,
before you are able to pay for eligible purchases using a Fixed Payment Option
(also known as an Instalment Plan) at Kogan.com. Minimum spend of $50 applies.
You may only enrol one eligible credit card at any time. The general terms for a
Fixed Payment Option are included in your Credit Card Terms and Conditions and
Other Important Information booklet under the heading Fixed Payment Option.
Additional terms are set out in the Pay using Fixed Payment Options at Kogan.com
terms and conditions. By enrolling your card at Kogan.com, you also agree to the
Shop with Card Reward Points terms and conditions (if you have an eligible
reward card) and to save your card details to your Kogan.com account. Any
information submitted via Kogan.com is held in accordance with the Kogan
Australia Pty Ltd (Kogan) privacy policy. You may unlink your registered card at
anytime. Fixed Payment Option offers are subject to eligibility criteria and
only available if your account is and remains in good standing (for example your
account is not in default, suspended, or closed). Your Fixed Payment Option uses
part of your existing credit limit. As you pay off your Fixed Payment Option,
the amount you pay off will become available for you to use again as part of
your credit limit at the standard Annual Percentage Rate for Retail Purchases
applicable to your account. Your Fixed Payment Options will be shown on your
monthly credit card statement in the ‘Fixed Payment Option Summary’ section, and
the monthly instalment amount will be included as part of your Minimum Payment
Due on your statement. The Fixed Payment Option fee (FPO fee) will be applied to
your account when your FPO is processed. It will form part of the Minimum
Payment Due and will be shown on your statement for the cycle in which you set
up your FPO. If you fail to pay the initial interest charge or monthly
instalment by the Payment Due Date: i. that initial interest charge or monthly
instalment will be charged interest at the Retail Purchase Rate from the day
after the Payment Due Date. ii. We may cancel any instalment plans, in which
case, any outstanding balance of the plan will revert to the applicable Annual
Retail Purchase Rate for Retail Purchases.

#You can earn 2 Rewards Points per whole Australian dollar of eligible spend at
Kogan.com. Only purchases made at Kogan.com will be eligible to earn 2 Rewards
Points for each Australian Dollar spent. This does not include purchases for
Kogan Essentials products and services (e.g. Kogan Mobile, Kogan Internet or
Kogan Energy) or purchases made at other Kogan owned websites such as Matt Blatt
or Dick Smith. All other eligible spend earns 1 Rewards Point per whole
Australian dollar. Earning and redeeming Rewards Points is subject to the full
details and definitions outlined in the Kogan Money Credit Cards Rewards Terms
and Conditions, as amended from time to time. Note that to redeem points online
at Kogan.com you are required to be the primary cardholder, have linked your
Kogan Money Credit Card to your Kogan.com account and registered for “Shop with
Points” at Kogan.com. Earn rates are subject to change. An eligible spend is an
Eligible Transaction as defined in the Kogan Money Credit Cards Rewards Terms
and Conditions, and Eligible Transaction means any purchase excluding (but not
limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments,
refunds and chargebacks, purchases of foreign currency and travellers cheques,
transactions made in operating a business, payments to other Citi branded
Accounts, fees and charges such as interest and ATM charges, transactions made
using Rewards Points and government related transactions. Government related
transactions include transactions with government or semi-government entities,
or relating to services provided by or in connection with government (for
example but not limited to transactions made at Australia Post, payments to the
Australian Taxation Office, council rates, motor registries, tolls, parking
stations and meters, fares on public transport, fines and court related costs).
Please note that whether or not a transaction is an Eligible Transaction will be
determined based on information provided either by the merchant or the relevant
financial institution (including information about the type of business
conducted by the merchant). This means that, for example, spend with certain
merchants may be characterised as spend with a government related entity and
therefore not an Eligible Transaction, even if that merchant is not in fact a
government related entity. Rewards Points are earned on Eligible Transactions
only. See Kogan Money Credit Cards Rewards Terms and Conditions, available at
www.koganmoney.com.au/credit-cards/important-information for full details and
definitions.

‡Your complimentary FIRST membership is linked to the Primary Cardholder’s
Kogan.com account. As the Primary Cardholder, your Kogan.com account will be set
up upon approval of your application (if you don’t already have one). You will
receive an email requesting that you activate your Kogan.com account and agree
to the Kogan.com Terms and Conditions and Privacy Policy. You can then register
for Card Rewards (which will allow you to access your FIRST membership benefits,
use your Card Rewards Points towards eligible purchases at Kogan.com, and pay
for eligible purchases using a Fixed Payment Option when paying with your Kogan
Money Credit Card). To register for Card Rewards, you will need to agree to the
Shop with Card Reward Points terms and conditions and Pay using Fixed Payment
Options at Kogan.com terms and conditions. You may only enrol one credit card at
any time with Shop with Points. To then register for FIRST Membership, you will
need to agree to the Kogan First Terms and Conditions. You will need to register
for FIRST Membership within 40 days after your Kogan Money Credit Card is
approved. Additional Cardholders are not eligible for complimentary FIRST
Membership. FIRST Membership is administered by Kogan Australia Pty Ltd, and the
complimentary FIRST membership benefit may be withdrawn or changed at any time.
Note that free shipping, express shipping upgrades and exclusive specials are
not available on all products on Kogan.com or Dick Smith. For further
information on FIRST membership click here.

◊For purchases of up to $100, simply wave and go anywhere that has a Visa
payWave sensor. Withdrawal limits, fees and charges may apply.

^For a list of compatible Apple Pay devices, see
support.apple.com/en-au/HT208531.

~You are required to be a Kogan.com Account Holder, and register Your Card for
“Shop with Points” with Your Kogan.com account to be eligible to redeem using
Pay with Points at Kogan.com. Kogan.com accounts are subject to the Kogan.com
Terms and Conditions, and Shop with Points is subject to Kogan’s Terms and
Conditions for Using Shop with Card Reward Points at Kogan. Once You have
registered Your Card, Pay with Points will appear as a payment option on
selected products on Kogan.com. If You make a partial Rewards Points redemption,
the remaining balance will be charged to Your chosen payment option by
Kogan.com. Items purchased using Pay with Points are also subject to the
Kogan.com Terms and Conditions and return policy, which can be found at
www.kogan.com/au/tcs-landing/. You do not earn Rewards Points on the portion of
Your redemptions made with Your Rewards Points at Kogan.com. You may only enrol
one credit card at any time with Shop with Points. Additional Cardholders are
not eligible for Pay with Points. 1 Rewards Point equates to $0.01. Rewards
Point value is accurate as at 25 March 2024 but subject to change. Please refer
to the full Kogan Money Credit Cards Rewards Terms and Conditions, available at
koganmoney.com.au/credit-cards/important-information.

§You may use Your Rewards Points to pay for certain selected transactions that
We present to You via SMS, Kogan Money Credit Cards Online and the Kogan Money
Credit Cards Mobile App. Only selected transactions that You have made and that
We present to You can be redeemed using Pay with Points. You must follow the
instructions where You are provided with the option to pay for a selected
transaction with Your Rewards Points. We will process that credit to Your
Account within 2 Business Days. Only the Primary Cardholder is eligible for Pay
with Points. 1 Rewards Point equates to $0.01. Rewards Point value is accurate
as at 25 March 2024 but subject to change. Please refer to the full Kogan Money
Credit Cards Rewards Terms and Conditions, available at
koganmoney.com.au/credit-cards/important-information.

ΔThe Interest Free Period applies when you pay the full Closing Balance from
your last statement of Account by the Payment Due Date (excluding any Fixed
Payment Option balance which isn’t due for payment by that Payment Due Date). No
interest free period is available on Cash Advances or Balance Transfers. Whilst
you have a Balance Transfer you will be charged interest on your daily unpaid
balance.

+Visa’s Zero Liability covers fraudulent charges or unauthorised purchases made
with your Kogan Money Credit Card account information or card, and excludes ATM
transactions and transactions not processed by Visa. T&C’s and exclusions apply.
For more information see
https://www.visa.com.au/pay-with-visa/security/zero-liability.html.





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Important Information
All applications are subject to credit criteria. Fees, charges and Terms and
Conditions apply.
Kogan Money Credit Cards are issued by National Australia Bank Limited (ABN 12
004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). NAB has
acquired the business relating to these products from Citigroup Pty Ltd (ABN 88
004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has
appointed Citi to assist to administer the products.