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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 commenced 4 August 2025. We reserve the right to withdraw or change the offer at any time without notice. This information is correct at 14 November 2025. 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”). Our/us/we/Kogan Money Credit Cards Team means NAB unless the context otherwise requires it.

^† To be eligible to receive the $400 Kogan.com Credit, you must apply for a new Kogan Money Credit Card, then spend $3,000 or more on eligible purchases using your new Card within 90 days from approval (spend period). Please note, purchases must be processed and charged to your Account within the spend period. Eligible purchases exclude Cash Advances, Balance Transfers, Special Promotions, refunds and Chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other credit card and other types of 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 spend 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. This offer is for new Kogan Money Credit Cards Cardholders only and: we may withdraw or change the offer at any time without prior notice, at our discretion; is non-transferrable; can’t 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 commenced 14 November 2025. We reserve the right to withdraw or change the offer at any time without notice.

^△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). To register for Card Rewards, you will need to agree to the Shop with Card Reward Points 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.

^#You can earn 2 Rewards Points per whole Australian dollar spent on eligible purchases 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 purchases earn 1 Rewards Point per whole Australian dollar. Rewards Points are earned for eligible purchases ("Eligible Transactions") only. Earn rates are subject to change. See Kogan Money Credit Cards Rewards Terms and Conditions, available at 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 Shop with Points at Kogan.com. Once you have registered your Card, Shop with Points will appear as a payment option for selected products at Kogan.com. If you make a partial Rewards Points redemption, the remaining balance will be charged to your chosen payment option by Kogan.com. 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 to redeem Rewards Points for Shop with Points. 1 Rewards Point equates to $0.01 for Shop with Points. Rewards Point value is accurate as of 4 August 2025 but is subject to change. Kogan.com accounts and items purchased using Shop with Points are subject to the Kogan.com Terms and Conditions and Returns Policy Shop with Points is subject to the Terms and Conditions for Shop with Points at Kogan.com and the Kogan Money Credit Card Rewards Terms and Conditions.

⁺ Black Friday Gold Offer: Discount available to approved new Kogan Gold Plus nbn® 500 or Kogan Gold nbn® 100. Discount is applied months 1 until month 6 (inclusive) if you remain continuously connected (‘Discount Period’). Applied as a recurring monthly credit. If you cancel your Kogan nbn® service during the Discount Period, credit applicable to the month of cancellation will be forfeited. Offer ends 7/12/25 11:59PM AEDT. Kogan Internet has the right to extend, change, or withdraw the offer at any time. Minimum monthly spend is $65.90 (Gold nbn® Home Fast & Gold Plus nbn® Home Fast Discount offer for 6 months, $85.90 thereafter). Minimum monthly spends are calculated based on current pricing which may change over time.
^° The Black Friday Credit Offer: $50 Kogan.com Credit offer available to approved new Kogan nbn® customers subject to a service qualification check (‘Eligible Customers’) who sign-up to a Kogan nbn® plan between 12:00AM AEDT 14 November 2025 and 11.59PM AEDT 7 December 2025. Eligible Customers must purchase a Kogan Diamond nbn® 1000, Kogan Platinum nbn® 750, Kogan Gold Plus nbn® 500, Kogan Gold nbn® 100, Kogan Silver nbn® 50 or Kogan Bronze nbn® 25 month-to-month plan to be Eligible for the credit offer. Eligible Customers must keep their Kogan nbn® plan active for a minimum of one (1) month to receive the credit. The credit will be sent to the email address of the Eligible Customer up to 60 days after the customer has signed up for a Kogan nbn® plan. Kogan.com reserves the right to amend or withdraw this offer at any time. Credit cannot be used to pay for a Kogan First membership or towards a Kogan nbn® plan. See full T&Cs here.

^{^}Available to new Kogan Energy customers until 11.59PM AEDT on 14 December 2025. Eligibility criteria and other conditions apply. Powershop Australia Pty Ltd is the retailer providing energy under the name Kogan Energy. For full T&Cs click here. If you switch to Kogan Energy and you're eligible, you could receive a 12 month free 'FIRST' membership. Conditions apply. © Kogan Energy is a trade mark of Kogan.com Holdings Pty Ltd ABN 75 125 684 184. Powershop Australia Pty Ltd is the retailer providing energy under the name Kogan Energy. Kogan Energy is only available to residential electricity customers in South East Queensland, South Australia, Victoria and New South Wales and to residential gas customers in some areas of Victoria and New South Wales.

Basic Plan Information Documents are available here.

Victorian Energy Fact Sheets available here.

For clear advice on the right plan for you, contact us on 1300 005 123.

Kogan home & motor insurance is promoted and distributed by Kogan Australia Pty Limited (ABN 53 152 570 351, AR 1256858) which arranges this insurance as an agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation, or needs. Policy terms, conditions, limits, and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available online. The relevant Target Market Determination is available 1300 034 888 or from koganinsurance.com.au/useful-docs/ . If you purchase this insurance, we will receive a commission that is a percentage of the premium. Full details of the commission are set out in the Financial Services Guide. Ask us for more details before we provide you with services.
‡Complimentary Roadside Assistance for 12 months is provided to customers who purchase a new Kogan Comprehensive Motor Insurance policy between 14/11/25 and 07/12/25. The Offer is not available for customers purchasing Third Party Property Damage Insurance or renewing Comprehensive Motor Insurance through Kogan Insurance. The offer is a 12 Month Allianz Basic Roadside Assistance Membership (RSA Membership) for the insured vehicle, provided by AWP Australia Pty Ltd ABN 52 097 227 177. RSA Membership provides access to roadside assistance services as outlined in, and subject to, the Terms and Conditions. Service area limits apply. For details, read the terms and conditions..
§Choice of Repairer – Allianz may authorise repairs at your repairer of choice; pay you the reasonable costs of repairing your vehicle; or move your vehicle to another repairer we both agree upon. We will act reasonable in doing so.
ₓ$100 Kogan.com Credit will be issued for each new Home (including building cover) or Landlord policy quoted and bought online through Kogan Insurance between 14 November 2025 and 7 December 2025. The Kogan.com Credit will be issued by Kogan Australia Pty Limited ABN 53 152 570 35. Kogan may withdraw or amend this offer at any time without notice. See full T&Cs here.
¤Online Discount: Home – when you both quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium. This discount is not applied to Domestic workers’ compensation (if available and selected, not available from 21 December 2025), or upon renewal. Minimum premiums may apply.

^~Kogan Mobile’s EXTRA LARGE 365 Day Black Friday Offer is valid for new and existing Kogan Mobile customers. Personal use only. Offer available on Kogan Mobile Prepaid EXTRA LARGE 365-day plans & EXTRA LARGE FLEX 365-day plans including recharges, purchased before 11:59PM AEDT 30/11/2025 unless sold out prior or extended. Offers do not apply to subsequent recharges. Not available for commercial or resale purposes. Offers cannot be used in conjunction with any other promotional offers. Not transferable and not redeemable for cash. The unique Kogan Mobile voucher must be redeemed by 11:59PM AEDT on 31/12/2025.

Kogan travel insurance is issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507); arranged and administered by Travel Insurance Partners Pty Ltd (ABN 73 144 049 230, ASFL 360138), and promoted and distributed by Kogan Australia Pty Ltd, ABN 53 152 570 351, acting as an Authorised Representative (AR001256858) of Travel Insurance Partners. Limits, sub-limits, exclusions and conditions apply. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider your own needs and the Combined FSG/PDS available from koganinsurance.com.au/useful-docs/ to decide if this product is right for you. For information on the Target Market and Target Market Determinations visit koganinsurance.com.au/useful-docs/.
^*The 20% Off Policies offer (“Offer”): Valid for all new Kogan Travel Insurance policies purchased. This is a limited time offer and will expire 11.59PM AEDT 7 December 2025. Kogan.com reserves the right to amend, extend or withdraw this Offer at any time. Offer provides customers with 20% off their travel insurance policy when using the promo code SALESTIME. View full T&Cs here.