Instalment Plans are subject to eligibility criteria and are only available if your Account is and remains in good standing (for example - your Account is not in default, suspended or closed). The general terms for Instalment Plans are included in your Kogan Money Credit Cards Terms and Conditions and Other Important Information under the heading “Instalment Plans, Balance Transfers and Special Promotions” and are summarised at Pay using an Instalment Plan at Kogan.com. 

^*You are required to be a Kogan.com Account Holder, be the primary cardholder of a Kogan Money Credit Card (‘eligible card’), link your eligible card with Kogan.com and agree to the monthly instalment, Instalment Plan term, interest rate and any applicable Instalment Fee, before you are able to pay for eligible purchases using an Instalment Plan at Kogan.com. Minimum spend of $50 applies. Instalment Plan offers are not available on purchases of Kogan.com eGift cards or in conjunction with any other promotional Retail Purchase Annual Percentage Rate offer on an eligible card. Instalment Plan offers will display for eligible purchases at the Kogan.com checkout. Eligible purchases that are also an “Eligible Transaction” as defined in the Kogan Money Credit Cards Rewards Terms and Conditions will earn Rewards Points. 

You may only link one credit card to your Kogan.com account at any time. By linking your eligible card at Kogan.com, you also agree to the Terms and Conditions for Shop with Points at Kogan.com 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 card at anytime. 

Your Instalment Plan uses part of your existing Credit Limit on your eligible card. Your Instalment Plan will be shown on your monthly credit card statement in the 'Instalment Plan Summary' section in the ‘Your Balance and Interest Breakdown' section of the statement. The Initial Interest Charge or Instalment Fee (whichever is applicable) will be charged on the first statement after the Instalment Plan is set up and will be included in the Minimum Payment Due.  Your monthly instalment will be included in the Minimum Payment Due on each subsequent statement until your Instalment Plan is repaid. 

As you pay off your Instalment Plan, the amount you pay off will become available for you to use again as part of your Credit Limit and will incur interest at the standard Annual Percentage Rates applicable to your Account.

If you don’t pay an instalment amount by the due date, you’ll be charged interest on the Overdue Instalment Amount at the Retail Purchase Annual Percentage Rate. The interest charged will be added to the Minimum Payment Due on your next statement. The Kogan Money Credit Cards Terms and Conditions explain the meaning of Overdue Instalment Amount and how interest is calculated and charged on this amount. We may also cancel the Instalment Plan if you are overdue, in which case, any outstanding balance of the plan will revert to the Retail Purchase Annual Percentage Rate. We will tell you if an Instalment Plan amount is overdue before we cancel the Instalment Plan.

^# You can earn 2 Rewards Points per whole Australian dollar spent on eligible purchases at Kogan.com. Only purchases made at Kogan.com will be eligible to earn 2 Rewards Points for each Australian Dollar spent. This does not include purchases for Kogan Essentials products and services (e.g. Kogan Mobile, Kogan Internet or Kogan Energy) or purchases made at other Kogan owned websites such as Matt Blatt or Dick Smith. All other eligible purchases earn 1 Rewards Point per whole Australian dollar. Rewards Points are earned for eligible purchases (“Eligible Transactions”) only. Earn rates are subject to change. See Kogan Money Credit Cards Rewards Terms and Conditions, for full details and definitions.

^‡ Your complimentary FIRST membership is linked to the Primary Cardholder’s Kogan.com account. As the Primary Cardholder, your Kogan.com account will be set up on approval of your application for a Kogan Money Credit Card (if you don’t already have one). You will receive an email requesting that you activate your Kogan.com account and agree to the Kogan.com Terms and Conditions and Privacy Policy. You can then register for Card Rewards (which will allow you to access your FIRST membership benefits, use your Card Rewards Points towards eligible purchases at Kogan.com). To register for Card Rewards, you will need to agree to the Shop with Card Reward Points terms and conditions. You may only enrol one credit card at any time with Shop with Points. To then register for FIRST Membership, you will need to agree to the Kogan First Terms and Conditions. You will need to register for FIRST Membership within 40 days after your Kogan Money Credit Card is approved. Additional Cardholders are not eligible for complimentary FIRST Membership. FIRST Membership is administered by Kogan Australia Pty Ltd, and the complimentary FIRST membership benefit may be withdrawn or changed at any time. Note that free shipping, express shipping upgrades and exclusive specials are not available on all products on Kogan.com or Dick Smith. For further information on FIRST membership click here.

^~ You are required to be a Kogan.com Account Holder and register your Card for “Shop with Points” with your Kogan.com account to be eligible to redeem using Shop with Points at Kogan.com. Once you have registered your Card, Shop with Points will appear as a payment option for selected products at Kogan.com. If you make a partial Rewards Points redemption, the remaining balance will be charged to your chosen payment option by Kogan.com. You do not earn Rewards Points on the portion of your redemptions made with your Rewards Points at Kogan.com. You may only enrol one Kogan Money Credit Card at any time with Shop with Points. Additional Cardholders are not eligible to redeem Rewards Points for Shop with Points. 1 Rewards Point equates to $0.01 for Shop with Points. Rewards Point value is accurate as of 15 September 2025 but is subject to change. Kogan.com accounts and items purchased using Shop with Points are subject to the Kogan.com Terms and Conditions and Returns Policy. Shop with Points is subject to the Terms and Conditions for Shop with Points at Kogan.com and the Kogan Money Credit Card Rewards Terms and Conditions.