Updated September 28, 2026 · SumCue Editorial Team
Kiwibank vs Kogan.com
Kiwibank
Higher score in this comparison
Kogan.com
Kiwibank vs Kogan.com: the differences
| Compare | KiwibankReviewSee alternativesSee alternatives | Kogan.comReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | NZ$0 | A$0 |
| APR | 12.9%Lower | 21.99% |
| Currency conversion fee | 2.5%Lower | 3.4% |
| Rewards type | None | Points |
| Balance transfer intro period | 6 months | 18 monthsHigher |
| Balance transfer fee | 1%Lower | 2% |
| Perks | 55 days interest free on 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 |
| Rewards rate | Not confirmed | 2 Kogan points per $1 on Kogan.com purchases, 1 point per $1 elsewhere; 1,000 points = $10 |
| 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
- Kiwibank scores higher overall: 9.2 vs 9.1.
- Founded is lower at Kiwibank: 2001 vs 2006.
- Kogan.com is available in 2 more countries.
- APR is lower at Kiwibank: 12.9% vs 21.99%.
- Currency conversion fee is lower at Kiwibank: 2.5% vs 3.4%.
- Balance transfer fee is lower at Kiwibank: 1% vs 2%.
- Balance transfer intro period is higher at Kogan.com: 18 months vs 6 months.
- Perks: only Kiwibank offers 55 days interest free on purchases.
- 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
Kiwibank
Kiwibank suits New Zealand bank customers who want a plain everyday card, with a NZD 0 monthly fee on the Visa debit card and rewards listed as none. Costs stay light at home, but a currency conversion fee of 2.5% makes overseas spending the trade-off to weigh.
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 | Kiwibank | Kogan.com |
|---|---|---|
| Cost | 8.9APR 12.9% on the credit card and a balance transfer fee of 1% for 6. | Not confirmed |
| Offer | 9.9Higher | 9.6 |
| Trust | 9.1Higher | 8.8 |
Positions in our rankings
| Ranking | Kiwibank | Kogan.com |
|---|---|---|
| Credit and debit cards | 325 of 1594 | 410 of 1594 |
| Insurance | 185 of 627 | 237 of 627 |
| Balance transfer cards | 11 of 32 | 14 of 32 |
Moving a 3,000 balance
Kiwibank
30
1% of 3,000
Kogan.com
60
2% of 3,000
Kiwibank comes out 30 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Spending 1,000 abroad
Kiwibank
25
2.5% of 1,000
Kogan.com
34
3.4% of 1,000
Kiwibank comes out 9 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Which one suits you
Pick Kiwibank if offer, trust, apr, currency conversion fee, and balance transfer fee matter most.
Pick Kogan.com if balance transfer intro period matter most.
Every fact side by side
| Fact | Kiwibank | Kogan.com |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Not confirmed | Rewards |
| Audience | Business | Not confirmed |
| Legal entity | Kiwibank Limited | Kogan.com Ltd |
| Headquarters | New Zealand | Australia |
| Founded | 2001Lower | 2006 |
| Support channels | Phone, Email, Chat, Help centre | Not confirmed |
Loans
| Fact | Kiwibank | Kogan.com |
|---|---|---|
| Lender type | Direct lender | Not confirmed |
| Loan types | Personal | Not confirmed |
Savings
| Fact | Kiwibank | Kogan.com |
|---|---|---|
| Monthly fee | NZ$0 | Not confirmed |
Personal insurance
| Fact | Kiwibank | Kogan.com |
|---|---|---|
| Insurance types | Not confirmed | Auto, Home, Landlord, Travel, Health, Pet, Life |
| Provider type | Not confirmed | Broker |
Where each stands against the rest
| Fact | Kiwibank | Kogan.com | Median |
|---|---|---|---|
| APR | 12.9%above the median | 21.99%highest quarter | 11.635% |
| Currency conversion fee | 2.5%above the median | 3.4%highest quarter | 1% |
| Balance transfer intro period | 6 monthslowest quarter | 18 monthsabove the median | 12 months |
| Balance transfer fee | 1%below the median | 2%below the median | 3% |
Median across 486 listed providers.
Pros and cons
Kiwibank
Pros
- The Visa debit card carries a monthly fee of NZD 0 and ranks 1 of 422 on that measure.
- Support covers phone, email and chat, so you can reach a person in the way you prefer.
- Purchases on the credit card can run interest free, with 55 days interest free on purchases.
Cons
- Spending abroad is costly: the currency conversion fee is 2.5%, which ranks Kiwibank at 196 of 258.
- The credit card has a rewards type of none, so spending earns nothing back.
- The debit card is aimed at business customers, so personal shoppers get less from it.
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
Kiwibank
Who it suits
- New Zealand bank customers who want an everyday Visa debit card without a monthly charge.
- People who want a credit card with an interest-free purchase window and an annual fee of NZD 0.
- Borrowers moving an existing balance who can use the 6 introductory window.
Who should look elsewhere
- Wise, if you convert currency often, because a currency conversion fee of 2.5% pushes Kiwibank down the fee ranking.
- bunq, if your spending sits outside New Zealand, since bunq's monthly fee is €0 while Kiwibank's card serves a single market.
- Varo Believe Secured Credit Card, if you want the card secured, since Kiwibank offers a debit card and a credit card instead.
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.
Country by country
| Country | Kiwibank | Kogan.com |
|---|---|---|
| Australia | No | Yes |
| United States | No | Yes |
| New Zealand | Yes | Yes |
Questions about each
Kiwibank
What does the Kiwibank debit card cost each month?+
The Visa debit card has a monthly fee of NZD 0, which is why Kiwibank ranks 1 of 422 on that measure. The card is a debit card on the visa network, so the monthly charge is the only regular cost listed.
What does it cost to spend in another currency?+
The currency conversion fee is 2.5% on the debit card, and Kiwibank sits at 196 of 258 on that measure. Spending in New Zealand on the card avoids that cost, so the card suits local use. Travellers who convert often should weigh the fee before applying.
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
Kiwibank
Kogan.com