Updated September 28, 2026 · SumCue Editorial Team
Kogan.com vs SBI Card
SBI Card
Kogan.com
Higher score in this comparison
Where Kogan.com and SBI Card differ
| Compare | Kogan.comReviewSee alternativesSee alternatives | SBI CardReviewVisitVisit |
|---|---|---|
| Annual fee | A$0 | ₹499 |
| APR | 21.99%Lower | 45% |
| Balance transfer intro period | 18 monthsHigher | 2 months |
| Credit needed | Good | Excellent |
| Currency conversion fee | 3.4% | Not confirmed |
| Rewards type | Points | Not confirmed |
| Rewards rate | 2 Kogan points per $1 on Kogan.com purchases, 1 point per $1 elsewhere; 1,000 points = $10 | 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: Balance transfer fee (2%), 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 8.7.
- Founded is lower at SBI Card: 1998 vs 2006.
- Kogan.com is available in 2 more countries.
- APR is lower at Kogan.com: 21.99% vs 45%.
- Balance transfer intro period is higher at Kogan.com: 18 months vs 2 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.
SBI Card
SBI Card is a credit card for Indian applicants with excellent credit, and the balance transfer option is the reason to look past its steep borrowing cost. It charges an APR of 45% and an annual fee of INR 499, with help on phone.
Score breakdown
| Area | Kogan.com | SBI Card |
|---|---|---|
| Cost | Not confirmed | 8.8Annual fee INR 499 and APR 45% push costs up, with a balance transfer fee of 2% the only relief. |
| Offer | 9.6Higher | 8.1A 2 month balance transfer window is the whole offer, and phone support adds little. |
| Trust | 8.8 | 8.9Higher |
Moving a 3,000 balance
Kogan.com
60
2% of 3,000
SBI Card
60
2% of 3,000
Both come to the same total.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
How they place
| Ranking | Kogan.com | SBI Card |
|---|---|---|
| Credit and debit cards | 410 of 1594 | 52 of 1594 |
| Balance transfer cards | 14 of 32 | 2 of 32 |
Every fact side by side
| Fact | Kogan.com | SBI Card |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Rewards | Not confirmed |
| Legal entity | Kogan.com Ltd | SBI Cards and Payment Services Limited |
| Headquarters | Australia | India |
| Founded | 2006 | 1998Lower |
| Support channels | Not confirmed | Phone |
Where each stands against the rest
| Fact | Kogan.com | SBI Card | Median |
|---|---|---|---|
| APR | 21.99%highest quarter | 45%highest quarter | 11.635% |
| Currency conversion fee | 3.4%highest quarter | Not confirmed | 1% |
| Balance transfer intro period | 18 monthsabove the median | 2 monthslowest quarter | 12 months |
| Balance transfer fee | 2%below the median | 2%below the median | 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.
SBI Card
Pros
- A balance transfer charges 2% and runs for 2 months, the one lower interest route on the card.
- Card type is credit, and the issuer has been issuing cards since 1998.
- Support runs on phone for anyone who wants to talk a balance down with the issuer.
Cons
- An APR of 45% makes any carried balance costly, and the annual fee of INR 499 ranks 223 out of 312.
- Support runs on phone only, so no written or online help route is listed.
- The credit bar is excellent, and only 5.6% of cards in the credit card comparison ask for as much.
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.
SBI Card
Who it suits
- Indian applicants with excellent credit who want to shift an existing card balance onto a lower interest option.
- Borrowers who plan to clear the moved balance inside the 2 month low interest window.
- Cardholders who would rather call phone than work through online self service.
Who should look elsewhere
- Wise and bunq, which show annual fees of £0 and €0, suit spending that carries no borrowing cost.
- Varo Believe Secured Credit Card, with an annual fee of $0, suits applicants building a credit record rather than moving a balance.
- bunq, with an annual fee of €0, suits anyone who wants a card without paying for a balance transfer option.
Country by country
| Country | Kogan.com | SBI Card |
|---|---|---|
| Australia | Yes | No |
| India | 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%.
SBI Card
What does SBI Card charge each year?+
The annual fee is INR 499, on a card that is a credit product rather than a charge card. Interest builds only if a balance is carried, so clearing the statement in full avoids the rate. The balance transfer route adds 2% on top, and that fee is the figure to weigh against the annual cost.
What is the APR on an SBI Card?+
The APR is 45%, which is high against the wider credit card set, where the card ranks 128 out of 138. Paying in full each month means the rate is never charged. Anyone planning to carry a balance should treat 45% as the true cost of this card.
Other options to compare
Other matchups
SBI Card
Kogan.com