Updated October 14, 2026 · SumCue Editorial Team
Kogan.com vs Virgin Atlantic Reward Credit Card
Kogan.com
Virgin Atlantic Reward Credit Card
Higher score in this comparison
Kogan.com vs Virgin Atlantic Reward Credit Card: the differences
| Compare | Kogan.comReviewSee alternativesSee alternatives | Virgin Atlantic Reward Credit CardReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 21.99%Lower | 27.9% |
| Currency conversion fee | 3.4% | 0%Lower |
| Rewards type | Points | Cashback |
| Balance transfer intro period | 18 months | 21 monthsHigher |
| Balance transfer fee | 2%Lower | 2.95% |
| 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 | Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases, Money transfer option, Virgin Money Cashback offers in the credit card app, 24/7 in app chat support with Redi, Virgin Money Rewards and Virgin Red offers |
| Annual fee | A$0 | Not confirmed |
| Rewards rate | 2 Kogan points per $1 on Kogan.com purchases, 1 point per $1 elsewhere; 1,000 points = $10 | Not confirmed |
| Credit needed | Good | 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
- Virgin Atlantic Reward Credit Card scores higher overall: 9.3 vs 9.1.
- Kogan.com is available in 2 more countries.
- APR is lower at Kogan.com: 21.99% vs 27.9%.
- Currency conversion fee is lower at Virgin Atlantic Reward Credit Card: 0% vs 3.4%.
- Balance transfer fee is lower at Kogan.com: 2% vs 2.95%.
- Balance transfer intro period is higher at Virgin Atlantic Reward Credit Card: 21 months vs 18 months.
- 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.
- Perks: only Virgin Atlantic Reward Credit Card offers Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases, Money transfer option.
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.
Virgin Atlantic Reward Credit Card
The UK Virgin Atlantic Reward Credit Card has no annual card fee and earns 0.75 Virgin Points per £1 on everyday purchases. The card page says monthly points are capped based on the credit limit and that the Virgin Money Credit Card app is needed to manage the card. Credit is available only to UK...
Score breakdown
| Area | Kogan.com | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Cost | Not confirmed | 9.2 |
| Offer | 9.6Higher | 9.4 |
| Trust | 8.8 | Not confirmed |
Pick Kogan.com if, pick Virgin Atlantic Reward Credit Card if
Pick Kogan.com if apr and balance transfer fee matter most.
Pick Virgin Atlantic Reward Credit Card if currency conversion fee and balance transfer intro period matter most.
Where they rank in our lists
| Ranking | Kogan.com | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Credit and debit cards | 410 of 1594 | 271 of 1594 |
| Balance transfer cards | 14 of 32 | 7 of 32 |
Spending 1,000 abroad
Kogan.com
34
3.4% of 1,000
Virgin Atlantic Reward Credit Card
0
0% of 1,000
Virgin Atlantic Reward Credit Card comes out 34 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.
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
Virgin Atlantic Reward Credit Card
- uk.virginmoney.com: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | Kogan.com | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Rewards | Rewards |
| Legal entity | Kogan.com Ltd | Nationwide Building Society (trading as Virgin Money) |
| Headquarters | Australia | United Kingdom |
| Founded | 2006 | Not confirmed |
| Support channels | Not confirmed | Chat, Help centre, Phone |
Debit cards
| Fact | Kogan.com | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Monthly fee | Not confirmed | £0 |
| Card type | Not confirmed | Debit |
Where each stands against the rest
| Fact | Kogan.com | Virgin Atlantic Reward Credit Card | Median |
|---|---|---|---|
| Annual fee | A$0at the median | Not confirmed | A$0 |
| APR | 21.99%highest quarter | 27.9%highest quarter | 11.635% |
| Currency conversion fee | 3.4%highest quarter | 0%below the median | 1% |
| Balance transfer intro period | 18 monthsabove the median | 21 monthshighest quarter | 12 months |
| Balance transfer fee | 2%below the median | 2.95%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.
Virgin Atlantic Reward Credit Card
Pros
- The Reward card page lists no annual card fee and an everyday earning rate of 0.75 Virgin Points per £1.
- The page explains that monthly points are capped based on the credit limit, making that limit relevant when considering potential points earned.
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.
Virgin Atlantic Reward Credit Card
Who it suits
- UK residents aged 18 or over who meet the subject-to-status condition, value Virgin Points and are or can become Virgin Atlantic Flying Club members.
Current offers
Virgin Atlantic Reward Credit Card
Current offer
Bonus
0% interest for up to 21 months on balance transfers and purchases on the all round credit card: 0% for up to 21 months, 2.95% balance transfer fee
Promotional offer varies based on your circumstances and starts from account opening date; applies to transfers made in the first 60 days. Credit is available, subject to status, only to UK residents aged 18 or over.
Source, checked September 26, 2026
Bonus
Get 0% interest on balance transfers for up to 36 months on the balance transfer credit card: 0% for up to 36 months, fee per transfer
Promotional offer varies based on your circumstances and starts from account opening date. Applies to transfers made in the first 60 days. Fees and terms apply.
Source, checked September 26, 2026
Bonus
Virgin Money Cashback from selected top retailers on the Everyday Cashback Credit Card: up to 12% additional cashback
Register in the Virgin Money Credit Card app. Terms apply. Cashback credited monthly; does not count towards your monthly minimum payment.
Source, checked September 26, 2026
First period offer
Everyday Cashback introductory rate: 1% cashback for the first 90 days, then 0.25%, up to £15 a month
90 days starts from when the account opens; cashback deducted from your card balance monthly. Other fees may apply.
Source, checked September 26, 2026
Country by country
| Country | Kogan.com | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Australia | Yes | No |
| New Zealand | Yes | No |
| United Kingdom | No | Yes |
| 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%.
Virgin Atlantic Reward Credit Card
Who can apply for the Virgin Atlantic Reward Credit Card?+
The card page says credit is available subject to status only to UK residents aged 18 or over.
Do cardholders need membership to benefit from points?+
Yes. The page says a Virgin Atlantic Flying Club membership is needed to benefit from points earned.
Other options to compare
Other matchups
Kogan.com
Virgin Atlantic Reward Credit Card