Earn $300 to spend on Kogan.com
We generally review points earning cards on this website, but with the cost of living, cash to spend is looking more appealing. This Kogan Money Card offers $300 in Kogan credit after spending $3,000 in 90 days. Eligibility criteria, T&Cs, fees and charges may apply.
The Details
| Annual fee | $0 every year |
| Cash back | $300 to spend on Kogan.com |
| Minimum spend requirements | $3,000 on eligible spend in the first 90 days from approval |
| Minimum credit limit | $6,000 |
| Interest rate | 20.99% p.a. on purchases |
| Interest free days | Up to 55 |
| Earn rate | 1 rewards point per dollar on purchases. 2 rewards points per dollar on your eligible spend at Kogan.com. |
| Point conversion | Points can be redeemed on eligible purchases at Kogan.com using Pay with Points (1000 Points = $10 of Credit) |
| Other bonuses | Complimentary Kogan First membership |
| Exclusion criteria | Offer not available if you’ve held a Kogan credit card at any point |
Kogan rewards points
You can earn 2 rewards points per dollar on purchases at Kogan.com and 1 rewards point per dollar on all other eligible everyday spend, uncapped. Rewards points can be redeemed at a rate of 1 cent per point on Kogan.com giving you effectively a 1% discount on your spend (2% at Kogan.com).
This is a relatively low valuation compared to cards that can earn Qantas Points at 1 QP per dollar spent, but for a no annual fee card that also offers $300 credit this is a nice feature to have.
Kogan First Membership
By signing up to the Kogan Black credit card you will also receive free ongoing Kogan First membership, which is currently priced at $99 per year. Kogan First provides free delivery on eligible Kogan.com purchases, priority customer service and access to exclusive offers on Kogan.com products.
Eligibility criteria
- You’re aged 18 or over
- You have permanent residency in Australia/NZ OR;
- You’re a non-resident or migrant and hold an acceptable Visa, with a minimum 1 year before expiry
- You have a regular, verifiable Australian taxable income
- You have a fixed, verifiable residential address in Australia.
Other criteria and income assessment may apply.
Summary
The Kogan Black credit card represents a way to earn rewards points without paying an annual fee, the catch is you can only use these reward points with Kogan. If you’re looking for a more versatile rewards program that can get you flying flat, check out Qantas Point earning cards.
The big draw for this card is the $300 credit to spend on Kogan.com. They have an extensive range of goods ranging from electronics to clothes to beer and wine making it easy to find something you want and need.