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Fixed Payment Options

Shop smart at Kogan.com

0% p.a. for up to 24 months

when you pay with instalments1 on your eligible credit card

On eligible purchases. Fixed Payment Option fees and T&Cs apply.

There are two easy ways to treat yourself - and just about everyone else - on
Kogan.com while taking it easy on your wallet.

Convert purchases into Fixed Payment Options1

Shop with Points2

Convert your eligible purchases into

Monthly instalments at 0% p.a. for up to 24 months1

(FPO fees and T&Cs apply)


A Fixed Payment Option lets you convert your eligible purchases into monthly instalments which you can repay over a fixed term. Enjoy 0% p.a. for up to 24 months1 when you make an eligible purchase at Kogan.com with your Kogan Money Black credit card and choose to pay with a Fixed Payment Option. FPO fees apply. Other credit cards are also eligible for a Fixed Payment Option, including Citi, BOQ, Suncorp and Card Services.

How it works

  • 1 Log in to your Kogan.com account, or register for an account first.
  • 2 Enrol and save your credit card details at Kogan.com/CardRewards
  • 3 At checkout, under ‘Payment Options’ choose the card that you have enrolled. Instalment plan options will appear for eligible purchases. Select the instalment plan that you would prefer.
  • 4 Your Fixed Payment Options will be shown on your statement in the 'Fixed Payment Option Summary' section and the monthly instalment amount will be included as part of your Minimum Payment Due on your statement.

Shop with Points on your eligible purchases2

If you hold an eligible rewards credit card, once you register the card for Fixed Payment Options at Kogan, you can also use your points to cover your eligible purchases for what you need and whatever catches your fancy.


Simply select Shop with Points during checkout and allocate the amount of points you wish to use towards your purchase.

Important Information

1. Fixed Payment Options are subject to eligibility criteria and only available when your account is and remains in good standing. The general terms for a Fixed Payment Option are included in your Credit Card Terms and Conditions and Other Important Information.

You must have a Kogan.com account, be the primary cardholder of a Kogan Credit Card, Citi Credit Card, Card Services Credit Card, Suncorp Credit Card or BOQ Credit Card (eligible credit card), enrol your eligible credit card with Kogan.com and agree to the Pay using Fixed Payment Options at Kogan.com terms and conditions, before you are able to pay for eligible purchases using a Fixed Payment Option at Kogan.com. You may only enrol one eligible credit card at any time. The general terms for a Fixed Payment Option are included in your Credit Card Terms and Conditions and Other Important Information booklet under the heading Fixed Payment Option. Additional terms are set out in the Pay using Fixed Payment Options at Kogan.com terms and conditions.

By enrolling your card at Kogan.com, you also agree to the Shop with Card Reward Points terms and conditions (if you have an eligible reward card) and to save your card details to your Kogan.com account. Any information submitted via Kogan.com is held in accordance with the Kogan Australia Pty Ltd (Kogan) privacy policy. You may unlink your registered card at anytime.

Fixed Payment Option offers are subject to eligibility criteria and only available if your account is and remains in good standing. Your Fixed Payment Option uses part of your existing credit limit. As you pay off your Fixed Payment Option, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate applicable to your account.

The Fixed Payment Option Fee (FPO fee) (and interest on it) forms part of your Retail Purchase Balance and the Retail Purchase APR will apply to them.

If you fail to pay the initial interest charge or monthly instalment by the Payment Due Date: i. that initial interest charge or monthly instalment will be charged interest at the Retail Purchase Rate from the day after the Payment Due Date. ii. We may cancel any instalment plans, in which case, any outstanding balance of the plan will revert to the Retail Purchase Rate for Transaction Instalment Plans (a type of Fixed Payment Option).

To use your reward Points toward eligible purchases at Kogan.com, you must have a Kogan.com account, be the primary cardholder of a card enrolled in a participating Rewards Program ("eligible reward card"), enrol your eligible reward card with Kogan.com and agree to the Shop with Card Reward Points terms and conditions. Participating Rewards Programs are Kogan Credit Card Rewards, Citi Rewards, BOQ Q Rewards®, Card Services Rewards Program or Suncorp Card Rewards. You may only enrol one eligible reward card at any time. Customers who are enrolled in the Citi Qantas Rewards Program, Card Services Qantas Rewards Program or Emirates Skywards Miles Program, will not be eligible for Shop with Points at Kogan.com. The Shop with Card Reward Points terms and conditions are to be read in conjunction with the Rewards Program terms and conditions.

By enrolling your card at Kogan.com, you also agree to the Pay using Fixed Payment Options at Kogan.com terms and conditions and to save your card details to your Kogan.com account. Any information submitted via Kogan.com is held in accordance to Kogan Australia Pty Ltd (Kogan) privacy policy. You may unlink your registered card at anytime.

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