Updated September 29, 2026 · SumCue Editorial Team
Kogan.com vs RinggitPlus Credit Card
RinggitPlus Credit Card
Kogan.com
Higher score in this comparison
What sets them apart
| Compare | Kogan.comReviewSee alternativesSee alternatives | RinggitPlus Credit CardReviewVisitVisit |
|---|---|---|
| Annual fee | A$0 | MYR 195 |
| APR | 21.99% | 15%Lower |
| Rewards type | Points | Cashback |
| Rewards rate | 2 Kogan points per $1 on Kogan.com purchases, 1 point per $1 elsewhere; 1,000 points = $10 | up to 10% |
| Balance transfer intro period | 18 monthsHigher | 6 months |
| Balance transfer fee | 2% | 0%Lower |
| Currency conversion fee | 3.4% | Not confirmed |
| Credit needed | Good | Not confirmed |
| 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 | Not confirmed |
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
- Kogan.com scores higher overall: 9.1 vs 8.8.
- Founded is lower at Kogan.com: 2006 vs 2013.
- Kogan.com is available in 2 more countries.
- APR is lower at RinggitPlus Credit Card: 15% vs 21.99%.
- Balance transfer fee is lower at RinggitPlus Credit Card: 0% vs 2%.
- Balance transfer intro period is higher at Kogan.com: 18 months vs 6 months.
Our verdict on each
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.
RinggitPlus Credit Card
RinggitPlus Credit Card suits shoppers who want cashback on everyday spend plus a short balance transfer window. It charges an annual fee of MYR 195 with APR of 15% and cashback of up to 10% through rewards support of rewards for regular use.
Score breakdown
| Area | Kogan.com | RinggitPlus Credit Card |
|---|---|---|
| Cost | Not confirmed | 9.2Annual fee of MYR 195 with transfer fee of 0% shapes overall cost. |
| Offer | 9.6Higher | 8.7Cashback of up to 10% in cashback form via rewards defines appeal. |
| Trust | 8.8Higher | 8.4Linked to Jirnexu Sdn Bhd with help via email and chat for queries. |
Choosing between them
Pick Kogan.com if offer, trust, and balance transfer intro period matter most.
Pick RinggitPlus Credit Card if apr and balance transfer fee matter most.
Availability and regulation
Additional countries for Kogan.com: 3. Additional countries for RinggitPlus Credit Card: 1.
Moving a 3,000 balance
Kogan.com
60
2% of 3,000
RinggitPlus Credit Card
0
0% of 3,000
RinggitPlus Credit Card comes out 60 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 29, 2026.
Where they rank in our lists
| Ranking | Kogan.com | RinggitPlus Credit Card |
|---|---|---|
| Credit and debit cards | 410 of 1594 | 48 of 1594 |
| Balance transfer cards | 14 of 32 | 1 of 32 |
Sources behind this comparison
Kogan.com
- finder.com.au: 12 facts, checked September 26, 2026
- en.wikipedia.org: 2 facts, checked September 26, 2026
- abr.business.gov.au: 1 fact, checked September 26, 2026
RinggitPlus Credit Card
- ringgitplus.com: 13 facts, checked September 29, 2026
Every fact side by side
| Fact | Kogan.com | RinggitPlus Credit Card |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Rewards |
| Legal entity | Kogan.com Ltd | Jirnexu Sdn Bhd |
| Headquarters | Australia | Malaysia |
| Founded | 2006Lower | 2013 |
| Support channels | Not confirmed | Email, Chat |
Where each stands against the rest
| Fact | Kogan.com | RinggitPlus Credit Card | Median |
|---|---|---|---|
| APR | 21.99%highest quarter | 15%above the median | 11.635% |
| Currency conversion fee | 3.4%highest quarter | Not confirmed | 1% |
| Balance transfer intro period | 18 monthsabove the median | 6 monthslowest quarter | 12 months |
| Balance transfer fee | 2%below the median | 0%lowest quarter | 3% |
Median across 486 listed providers.
Pros and cons
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.
RinggitPlus Credit Card
Pros
- Cashback of up to 10% with cashback focus for everyday spend
- Balance transfer fee of 0% with cover for 6
- Support access through email and chat for written queries
Cons
- Annual fee of MYR 195 applies even when spend remains modest
- APR of 15% adds borrowing cost when balances carry over
- Support runs on email and chat only for account queries
Who each suits
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.
RinggitPlus Credit Card
Who it suits
- Shoppers seeking cashback rewards for routine retail spend
- Planners seeking a short transfer window with low upfront cost
Who should look elsewhere
- Fee sensitive users who prefer eToro because annual charges differ
- Fee sensitive users who prefer Bitpanda because annual charges differ
Current offers
RinggitPlus Credit Card
Current offer
Bonus
UOB Credit Cards Promotion: Apple iPad Pro M5 + RM188 TNG
Apply, approved by 18 Nov 2026, activate and spend RM200 in 60 days for UOB ONE Card
Source, checked September 29, 2026
Country by country
| Country | Kogan.com | RinggitPlus Credit Card |
|---|---|---|
| Australia | Yes | No |
| Malaysia | No | Yes |
| New Zealand | Yes | No |
| United States | Yes | No |
Questions about each
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%.
RinggitPlus Credit Card
What annual fee applies to this card+
The card carries an annual fee of MYR 195 for continued membership regardless of usage level. Budget for this charge alongside interest if balances revolve. Paying in full each cycle keeps total cost focused on the annual fee rather than added interest.
How does the purchase interest rate work+
Purchases that revolve accrue interest at APR of 15% under standard terms. Clearing the balance in full each cycle avoids that interest charge. Keeping balances low helps manage total borrowing cost over time.
Other options to compare
RinggitPlus Credit Card
Kogan.com