Kogan.com review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
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.
Key facts
Credit cards
- Annual fee
- A$0↗
- APR
- 21.99%↗
- Currency conversion fee
- 3.4%↗
- Rewards type
- Points↗
- Rewards rate
- 2 Kogan points per $1 on Kogan.com purchases, 1 point per $1 elsewhere; 1,000 points = $10↗
- Balance transfer intro period
- 18 months↗
- Balance transfer fee
- 2%↗
- Credit needed
- Good↗
- Perks
- 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↗
- Card kind
- Credit↗
- Features
- Rewards
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
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 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.
The company behind it
Kogan.com is a broker registered as Kogan.com Ltd and headquartered in Australia. It was founded in 2006 and grew from an online retailer into a marketplace that places cover with insurers and offers a rewards card. Buying through a broker means the contract runs with the broker, so check which insurer underwrites the policy before you sign.
How Kogan.com compares
9.1 vs 8.6
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9.1 vs 9.4
9.1 vs 8.7
9.1 vs 8.5
9.1 vs 9.4
9.1 vs 8.7
9.1 vs 9.0
9.1 vs 8.7Health, life and gadget cover, per health, life and gadget, fits a household that ranks health above auto.
9.1 vs 9.4
9.1 vs 9.2
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 8.7Life cover only, per life, which suits a single policy rather than a broker placing several.
9.1 vs 9.0
9.1 vs 8.8
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 9.0
9.1 vs 8.3
9.1 vs 9.5
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9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.9- 9.1 vs 8.6
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9.1 vs 8.5
9.1 vs 8.4
9.1 vs 8.3
9.1 vs 8.3
9.1 vs 8.2- 9.1 vs 8.0
Where Kogan.com is available
- Available
- Australia, New Zealand, United States
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
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%.
What does the card cost on overseas spending?+
Foreign currency conversion costs 3.4% on the card, against a site maximum of 10.5%. That places it at the expensive end of card spending, so it suits Kogan.com purchases and domestic use rather than travel. Paying in the local currency and declining the network's own conversion usually costs less.
What does a balance transfer cost?+
A balance transfer fee of 2% applies, and the promotional period lasts 18. The fee covers moving an existing card balance onto this account, and the promotional period is the window in which the transferred amount does not carry the standard rate. Approval asks for good credit, per good.
Am I buying from an insurer or a broker?+
You are dealing with a broker, not an insurer. The registered company is Kogan.com Ltd, based in Australia, and it places your policy with an insurer who underwrites the cover and settles the claim. The insurer's name appears on the policy documents, so read it before you sign.
What kinds of insurance can I buy through Kogan.com?+
Cover runs across auto, home and landlord, so most household policies can be arranged in the same place. Because Kogan.com is a broker, the available insurer and the premium depend on what the market offers when you apply. Auto is the most common policy type across the site, at 58.1%.
Is the card protected against fraud?+
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 lists Zero Liability and FRAUDSHIELD fraud protection on the card, alongside Apple Pay and Google Pay compatibility. Both protections run through claims on a compromised card, so report anything unfamiliar quickly. Complimentary Kogan First membership and free additional cardholders come with the same account.
Sources
- abr.business.gov.au/Search/ResultsActive checked September 26, 2026
Backs: Legal entity
“96 612 447 293 Active KOGAN.COM LTD Entity Name 3205 VIC”
- en.wikipedia.org/wiki/Kogan.com checked September 26, 2026
Backs: Provider type, Founded, Headquarters, Insurance types
“Underwritten by Hollard Insurance, Kogan Insurance was launched with home, contents, landlord, car, and travel insurance”
- finder.com.au/credit-cards/kogan-money-credit-card checked September 26, 2026
Backs: Annual fee, APR, Balance transfer fee, Balance transfer intro period, Card kind, Credit needed, Features, Currency conversion fee, Pricing model, Perks, Rewards rate, Rewards type
“Kogan Money Credit Card - Balance Transfer Exclusive Offer ... Annual fee $0 p.a.”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Premium from, Monthly payments.
Related by the facts
Kogan.com
Australian households who want personal insurance and a fee free rewards card in one place.