Updated September 28, 2026 · SumCue Editorial Team
Emirates vs Kogan.com
Emirates
Higher score in this comparison
Kogan.com
What sets them apart
| Compare | EmiratesReviewSee alternativesSee alternatives | Kogan.comReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | $99 | A$0 |
| APR | 19.49% to 29.49%Lower | 21.99% |
| Currency conversion fee | 0%Lower | 3.4% |
| Rewards type | Miles | Points |
| Rewards rate | 3 Miles per USD 1 on Emirates spend, 2 Miles per USD 1 on travel spend, 1 Mile per USD 1 on all other spend | 2 Kogan points per $1 on Kogan.com purchases, 1 point per $1 elsewhere; 1,000 points = $10 |
| Balance transfer intro period | 12 months | 18 monthsHigher |
| Balance transfer fee | 5% | 2%Lower |
| Perks | Emirates Skywards Silver tier status for 12 months (Rewards World Elite Mastercard), Skywards Miles do not expire while the card account remains open, 25% discount on purchase or gift of Skywards Miles when paying with the card, Priority Pass Select lounge access (Premium World Elite Mastercard), USD 120 statement credit for Global Entry or TSA PreCheck application fee every 4 years (Premium World Elite Mastercard), No foreign transaction fees on international purchases | Complimentary Kogan First membership, 4 free additional cardholders, 6.99% p.a. for up to 24 months on Kogan.com purchases of $50 or more paid by instalments, Apple Pay and Google Pay compatible, Zero Liability and FRAUDSHIELD fraud protection |
| Credit needed | Not confirmed | Good |
Same on both: Card kind (Credit).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Founded is lower at Emirates: 1985 vs 2006.
- Kogan.com is available in 2 more countries.
- APR is lower at Emirates: 19.49% to 29.49% vs 21.99%.
- Currency conversion fee is lower at Emirates: 0% vs 3.4%.
- Balance transfer fee is lower at Kogan.com: 2% vs 5%.
- Balance transfer intro period is higher at Kogan.com: 18 months vs 12 months.
- Perks: only Emirates offers Emirates Skywards Silver tier status for 12 months (Rewards World Elite Mastercard), Skywards Miles do not expire while the card account remains open, 25% discount on purchase or gift of Skywards Miles when paying with the card.
- Perks: only Kogan.com offers Complimentary Kogan First membership, 4 free additional cardholders, 6.99% p.a. for up to 24 months on Kogan.com purchases of $50 or more paid by instalments.
Our verdict on each
Emirates
Emirates Skywards fits people who spend with the airline and travel often, and rewards their miles rather than their balance. Interest is costly at 19.49% to 29.49%, so the card only earns its place for customers who clear it in full each month.
Kogan.com
Kogan.com suits Australian households who want personal insurance and a rewards card handled in one place, and holding the card costs nothing. The catch is the interest rate: the Kogan Money card charges an APR of 21.99%, against a site median of 15.5% across cards.
Score breakdown
| Area | Emirates | Kogan.com |
|---|---|---|
| Cost | 8.7Costs $99 a year, far above a €0 median across the cards ranked here. | Not confirmed |
| Offer | 9.3Pays miles with no foreign transaction fee at 0%, plus tier status and lounge access. | 9.6Higher |
| Trust | 9.2Higher | 8.8 |
How they place
| Ranking | Emirates | Kogan.com |
|---|---|---|
| Credit and debit cards | 395 of 1594 | 410 of 1594 |
| Balance transfer cards | 13 of 32 | 14 of 32 |
Licences and countries
Available in 1 country for both. Additional countries for Kogan.com: 2.
Every fact side by side
| Fact | Emirates | Kogan.com |
|---|---|---|
| Pricing model | Not confirmed | No annual fee |
| Features | Rewards | Rewards |
| Legal entity | Emirates | Kogan.com Ltd |
| Headquarters | United Arab Emirates | Australia |
| Founded | 1985Lower | 2006 |
| Support channels | Email, Chat, Phone, Help centre | Not confirmed |
Where each stands against the rest
| Fact | Emirates | Kogan.com | Median |
|---|---|---|---|
| APR | 19.49% to 29.49%above the median | 21.99%highest quarter | 11.635 |
| Currency conversion fee | 0%below the median | 3.4%highest quarter | 1% |
| Balance transfer intro period | 12 monthsat the median | 18 monthsabove the median | 12 months |
| Balance transfer fee | 5%highest quarter | 2%below the median | 3% |
Median across 486 listed providers.
Pros and cons
Emirates
Pros
- Balance transfers cost 5% and carry an introductory period of 12.
- Skywards Miles do not expire while the card account stays open.
- Support runs on email, chat and phone, so phone, chat, email and a help centre are all covered.
Cons
- The annual fee of $99 sits far above bunq at €0.
- An APR of 19.49% to 29.49% is higher than the 14.45% median across ranked cards.
- Rewards are miles, so the value depends on how often you fly with Emirates.
Kogan.com
Pros
- The annual fee on the card is AUD 0 and the model is no annual fee.
- Cover spans auto, home and landlord, with Kogan.com acting as broker.
- Complimentary Kogan First membership, 4 free additional cardholders and 6.99% p.a. for up to 24 months on Kogan.com purchases of $50 or more paid by instalments adds complimentary Kogan First membership, free additional cardholders and a promotional instalment rate on Kogan.com purchases.
Cons
- The APR of 21.99% sits well above the site median of 15.5% across cards.
- Balance transfers cost 2% each, and the promotional window runs 18.
- Currency conversion on overseas spend is 3.4%, at the high end of the card range.
Who each suits
Emirates
Who it suits
- Emirates flyers who put most of their spending with the airline and want miles that do not expire
- Travellers who pay abroad often, since the currency conversion fee is 0%
- Anyone redeeming miles for tickets rather than cash back, given the rewards type is miles
Who should look elsewhere
- bunq, where a fee of €0 suits readers who want no annual cost and no airline loyalty tie
- Wise, at £0, for a spending card held across currencies rather than a miles card
- Varo Believe Secured Credit Card, at $0, for building credit history rather than collecting miles
Kogan.com
Who it suits
- Anyone who wants auto, home and landlord arranged through one place rather than separate providers.
- People already shopping Kogan, since the points are weighted towards Kogan.com purchases.
- Card holders who clear the balance each month, as the annual fee is AUD 0 but the rate is 21.99%.
Who should look elsewhere
- Linxea, if you want life cover arranged on its own rather than through a broker.
- Oney Préstamos ES, if health, life and gadget cover, per health, life and gadget, matter more to you than auto and home.
- Euroasia Insurance, if you need only auto, home, travel and gadget policies, per auto, home and travel.
Current offers
Emirates
Current offer
Bonus
Emirates Skywards Silver tier status for the first year with the Rewards World Elite Mastercard: Emirates Skywards Silver tier status for 12 months from card account open date
Primary cardholders only; to retain Silver tier from the second year onwards spend USD 20,000 in Net Purchases annually; status can take up to 8 weeks to reflect
Source, checked September 26, 2026
Bonus
Emirates Skywards Gold tier status for the first year with the Premium World Elite Mastercard: Emirates Skywards Gold tier status for 12 months from card account open date
Primary cardholders only; to retain Gold tier from the second year onwards spend USD 40,000 in Net Purchases annually; status can take up to 8 weeks to reflect
Source, checked September 26, 2026
Country by country
| Country | Emirates | Kogan.com |
|---|---|---|
| Australia | No | Yes |
| New Zealand | No | Yes |
| United States | Yes | Yes |
Questions about each
Emirates
What does the Emirates credit card cost to hold?+
The card charges an annual fee of $99. Beyond that, the only other cost listed is a currency conversion fee of 0% on foreign purchases, so cardholders spending in another currency are not surcharged on top of the fee.
What interest rate applies to a balance?+
Balances carry an APR of 19.49% to 29.49%, above the 14.45% median across the cards ranked here. That rate is the reason the card suits people who pay in full, since interest at this level quickly outruns the miles earned.
Kogan.com
Does the Kogan Money card have an annual fee?+
Nothing to pay for the card itself. The annual fee is AUD 0 and no annual fee is the model, so there is no yearly charge for holding it. What you do pay for is interest on a carried balance, plus any fee attached to a balance transfer.
What interest rate do I pay on the Kogan Money card?+
The APR is 21.99%, which sits above the site median of 15.5% across cards. That rate applies to anything carried from statement to statement, so the card only pays off if you clear the balance each month. The balance transfer offer runs for 18 at a fee of 2%.
Other options to compare
Other matchups
Emirates
Kogan.com