based on 2 Kogan Money banking product reviews as rated by Mozo community

Kogan Money credit cards

What credit cards do Kogan Money offer?

Rates and fees verified as correct at 20 September, 2021. Other information correct at the time of writing. Advertiser disclosure.

Low fee credit cards

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases  

20.99% p.a.

0% p.a. for 12 months and then 21.74% p.a.

$0

55

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Rewards credit cards

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

1 point per dollar on Visa, uncapped

20.99% p.a.

0% p.a. for 12 months and then 21.74% p.a.

$0

Go to site

How are Kogan Money credit cards rated?

Mozo users have rated Kogan Money credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of credit-cards
Kogan Money credit cards
Overall
Price
Features
Customer service
Convenience
Trust

2 Reviews

Recent Kogan Money credit card reviews

Kogan Money Black Card
Overall 1/10
Avoid these cowboys like the plague

When I received my April statement I noticed a foreign transaction for $662.81 with a fee of $22.53. Since I had not made any foreign transactions I thought this was a fraud and informed Kogan Money at once by phone. The person said they would need to replace my credit card and also they would dispute the transaction. On further investigation I found that the transaction was legit, for a car hire in Broome I arranged through Booking.com . So I phoned Kogan again and spoke to the same person letting him know this and questioning why an Australian transaction had incurred a $22.53 fee. On April 22 I received an email from Booking.com saying my car hire had been cancelled. When I received my May statement I was surprised to see that although $662.81 and $22.53 fee were credited back to my account in early April, on April 25 the $662.81 was again debited from my account. So I am now $662.81 out of pocket with no car booking. After two lengthy phone calls to Kogan Money I was asked to contact their "chargeback" group about this. It turns out that Kogan Money is part of Citibank, and the chargeback group is actually for the Coles credit card, which Citibank also manage. Firstly I was fobbed off by the person, but asked to speak to the manager. He said he would try and get the money refunded. Four months later after many calls and emails asking what is going on, I received an email from Kogan Money saying they were unable to get my refund, and I should contact the merchant myself. This is the worst service I've ever experienced from an Australian bank. They try to pass the buck to somebody else, and then blame me for disputing the transaction in the first place. I'm now referring this matter to the Australian Financial Complaints Authority (AFCA) - which of course will take ages to resolve. Take my advice... don't get involved with this incompetent and barely literate operation.

Read full review

When I received my April statement I noticed a foreign transaction for $662.81 with a fee of $22.53. Since I had not made any foreign transactions I thought this was a fraud and informed Kogan Money at once by phone. The person said they would need to replace my credit card and also they would dispute the transaction. On further investigation I found that the transaction was legit, for a car hire in Broome I arranged through Booking.com . So I phoned Kogan again and spoke to the same person letting him know this and questioning why an Australian transaction had incurred a $22.53 fee. On April 22 I received an email from Booking.com saying my car hire had been cancelled. When I received my May statement I was surprised to see that although $662.81 and $22.53 fee were credited back to my account in early April, on April 25 the $662.81 was again debited from my account. So I am now $662.81 out of pocket with no car booking. After two lengthy phone calls to Kogan Money I was asked to contact their "chargeback" group about this. It turns out that Kogan Money is part of Citibank, and the chargeback group is actually for the Coles credit card, which Citibank also manage. Firstly I was fobbed off by the person, but asked to speak to the manager. He said he would try and get the money refunded. Four months later after many calls and emails asking what is going on, I received an email from Kogan Money saying they were unable to get my refund, and I should contact the merchant myself. This is the worst service I've ever experienced from an Australian bank. They try to pass the buck to somebody else, and then blame me for disputing the transaction in the first place. I'm now referring this matter to the Australian Financial Complaints Authority (AFCA) - which of course will take ages to resolve. Take my advice... don't get involved with this incompetent and barely literate operation.

Price
5/10
Features
5/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Keith, Victoria, reviewed 28 days ago
Kogan Money Credit Card
Overall 1/10
Waste of time - Avoid!

Very poor customer service and complaint resolution process for applying customers, have no transparency and very shady practices that I would avoid. Not worth the hassle.

Read full review

Very poor customer service and complaint resolution process for applying customers, have no transparency and very shady practices that I would avoid. Not worth the hassle.

Price
3/10
Features
4/10
Customer service
1/10
Trust
1/10
Less
Jamie, Victoria, reviewed 2 months ago

What do you need to apply for a Kogan Money credit card?

  • Personal details for each applicant (if necessary)
  • Contact details including a valid email address
  • Proof of salary (i.e. payslips) and evidence of other income including government payments and rental income
  • Statements for any liabilities including credit cards or other existing loans
  • A copy of your council rates notice
  • A copy of your driver's licence or passport
  • Home loan statements (if you’re refinancing)

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