There are three ways to put a cobia in the boat, and the situation usually picks the method for you.
Sight-cast. The most fun, and the one cobia are built for. When you mark a bommie or pass an anchored boat, give it a wide berth first and scan the shadow line. Spot a ray crossing a flat and watch its slipstream. Pitch a large soft plastic — a 7 to 9 inch jerkshad on a heavy jighead — ahead of a cruising fish and let it sink into its path. They’ll usually swim over to investigate and eat. Keep a pitch rod rigged and ready at all times; cobia appear and vanish in seconds and you don’t want to be re-tying while one cruises past.
Jig. Over deeper bommies, drop a slow-pitch or vertical jig and work it back through the structure zone. Cobia inhale lures, so a single heavy assist hook through the head holds best.
Bait. A live mullet or yakka, a whole pilchard or a fresh fish strip on a no-sinker or lightly-weighted rig, drifted past structure, is hard to beat when fish are around but not showing on top.
Whatever the method, gear up heavier than feels necessary: a heavy spin or overhead outfit, 30–50lb braid and a 60–80lb fluorocarbon leader, on a 7/0–9/0 circle hook for baits. On the strike, lock up and pull the fish away from structure immediately or you’ll lose it. Cobia are famous for one or two long, low, bulldogging runs before they sound — don’t relax until the leader’s in hand. Carry a wide-gape gaff rather than a net for anything over 15kg.