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 31 August 2021. Post this advertised date Citigroup reserves the right to continue, withdraw or change the offer at any time without notice. This information is correct at 3 August 2021. Any interest rates shown are variable. Kogan Money Credit Cards are issued by Citigroup Pty Limited ABN 88 004 325 080, AFSL and Australian credit licence 238098 (Citigroup).
^†To be eligible to receive the $50 Kogan.com Credit, you must apply for a Kogan Money Black Card by 31 August 2021 and spend on an eligible purchase within 30 days from card approval. To be eligible to receive the $350 Kogan.com Credit, you must apply for a Kogan Money Black Card by 31 August 2021 and spend $1,500 on eligible purchases in 90 days from card approval. 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 Accounts, bank 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, 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 valid until 31 August 2021. Post this advertised date; Citigroup reserves the right to continue, withdraw or change the offer at any time without notice.
^#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 Accounts, bank 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.
^~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 3 August 2021 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.
^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 12 months. The 12 months promotional period commences when the Balance Transfer is processed, and you must make the Balance Transfer request within 90 days 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 Black Card. Interest rates are variable and subject to change. The interest rates are current as at 3 August 2021. This offer is valid until 31 August 2021, 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, changed or withdrawn without notice at the discretion of Kogan Money credit cards, 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.
^‡Your complimentary Kogan 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 Kogan First membership benefits, use your 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 Kogan First Membership, you will need to agree to the Kogan First Terms and Conditions. You will need to register for Kogan First Membership within 40 days after your Kogan Money credit card is approved. Additional Cardholders are not eligible for complimentary Kogan First Membership. Kogan First Membership is administered by Kogan Australia Pty Ltd, and the complimentary Kogan 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. For further information on Kogan First membership click here.
¹Unlimited data: Services subject to number of devices connected, network coverage and your
location. Fair Use Policy applies see https://www.koganinternet.com.au/legal/.
²Speed: The performance and speed of your service depends on a number of factors such as: plan choice, location, the number of devices connected to your network, modem type and positioning, Wi-Fi performance, in-building wiring, content accessed, the nbn™ technology used to deliver your service, our network and internet traffic demand. You will typically experience slower speeds than the maximum connection speed available on your plan. Typical Evening Speed: This is the typical evening period download speed that the average consumer can expect to receive between 7pm and 11pm. It is not a guaranteed minimum speed and you may experience lower speeds during this period and at other times. Speed will vary based on a number of factors such as technology type, plan choice and internet traffic demand. For FTTB/N/C technology, max. speeds confirmed once connected. For more information on speed please refer to our Speed Guide.
³Kogan nbn™ month-to-month plans: Subject to service qualification check. Kogan nbn™ is a data only service that provides you with internet access via the National Broadband Network or nbn™. It is not compatible with your home phone line service meaning you may no longer be able to use your landline (or existing phone number) for calls after you sign-up, depending on your technology type. Kogan nbn™ service may also impact or interfere with existing technology, devices or services at your premises including medical devices, alarms, eftpos machines, lift emergency phones and some email or fax services. Minimum monthly spend is $63.90 (Bronze nbn™ Home Basic Discount offer, BYO modem), $68.90 (Silver nbn™ Home Standard Discount offer, BYO modem), $78.90 (Gold nbn™ Home Fast Discount offer, BYO modem), $119.90 (Platinum nbn™ Home Superfast Discount offer, BYO modem), $139.90 (Diamond nbn™ Home Ultrafast Discount offer, BYO modem). Minimum monthly spends are calculated based on current pricing which may change over time. Total minimum cost excludes any additional costs for call outs when there is a missed appointment or where no fault is found or the $300 New Development Charge that is triggered when you live in a new development. You must connect for a minimum of one month. Recurring monthly plan fees are charged until the end of the month in which you notify that you wish to cancel. You will be charged for using your plan from the point of nbn™ activation at your premises.