Plus, no annual fee, free Kogan FIRST membership & more - apply now!

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Fees, charges and earn rates (if applicable) are subject to change from 1 October 2026. If we make changes, these will be communicated in accordance with our terms & conditions. 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. This offer commenced 22 July 2026. We reserve the right to withdraw or change the offer at any time without notice. This information is correct at 22 July 2026. 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 $300 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. If you have previously received a Kogan.com Credit from a Kogan Money Credit Card offer in the last 12 months, you will not be eligible for this offer. This offer commenced 22 July 2026. We reserve the right to withdraw or change the offer at any time without notice, at our discretion; is non-transferrable; can’t be used in conjunction with any other promotions or offers. #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 22 July 2026 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. ‡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.
°Kogan Mobile’s SMALL 365 Day Offer is valid for new and existing Kogan Mobile customers. Personal use only. Offer available on Kogan Mobile Prepaid SMALL FLEX 365-day plan, including recharges, purchased before 11:59PM AEST 09/08/2026 unless sold out prior or extended. Offer does not apply to subsequent recharges. Not available for commercial or resale purposes. Offer 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 AEST on 31/08/2026.
^Based on Kogan’s Internet nbn500 plan price over 12 months on Whistleout when compared against other nbn500 monthly plans over the same period. Claim is correct as of 01/07/26 when comparing monthly internet plans over 12 months. + Offer extended. Discount available to approved new Kogan nbn® customers subject to a service qualification check ('Eligible Customers') who sign-up to 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. Discount is applied months 1 until month 12 (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 available until withdrawn. Kogan Internet has the right to extend, change, or withdraw the offer at any time. Minimum monthly spend is $58.90 (Bronze nbn® Home Basic Discount offer for 12 months, $70.90 thereafter), $69.90 (Silver nbn® Home Standard Discount offer for 12 months, $80.90 thereafter), $69.90 (Gold nbn® Home Fast & Gold Plus nbn® Home Fast Discount offer for 12 months, $85.90 thereafter), $84.90 (Platinum nbn® Home Fast Discount offer for 12 months, $94.90 thereafter) & $94.90 (Diamond nbn® Home Fast Discount offer for 12 months, $108.90 thereafter). Minimum monthly spends are calculated based on current pricing which may change over time.
© 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 at https://www.kogan.com/au/bpi/ Victorian Energy Fact Sheets available at https://www.kogan.com/au/vefs/. For clear advice on the right plan for you, contact us on 1300 005 123.

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