{"license":"CC BY 4.0（https://creativecommons.org/licenses/by/4.0/deed.zh-hant）","attribution":"台灣支付優惠站 https://pay.elggum.com","disclaimer_zh":"本資料整理自銀行與支付業者公開資訊，可能有誤或已變更，實際回饋以各機構公告為準。謹慎理財 信用至上。","data_date":"2026-10-20","card":{"id":"cathay-cube","issuer_id":"bank-cathay","name_zh":"國泰世華 CUBE 卡","product_type":"credit","networks":[],"card_level_zh":"依卡等","tags":["points","switchable","tiered"],"card_page_url":"https://www.cathay-cube.com.tw/cathaybk/personal/product/credit-card/cards/cube-list","apply_url":"https://www.cathay-cube.com.tw/cathaybk/personal/product/credit-card/cards/cube","requires_zh":"消費當天（以授權日為準）要先在 CUBE App 切到對應方案；每位正卡人每天只能切一次，附卡跟著正卡的設定。","reward":{"kind":"points","unit_zh":"小樹點（信用卡）","point_value_twd":1,"delivery_zh":"每筆請款入帳後依授權日當天的方案計算，次二日（遇假日順延）入正卡人帳戶。","expiry_zh":"3 年（以入點月份起算）。","source_ids":["src-cathay-japanrewards","src-cathay-point-2026"]},"annual_fee":{"min_twd":0,"max_twd":1800,"first_year_free":true,"waiver_zh":"首年免年費，次年起 NT$1,800；申辦電子帳單、正卡年消費 12 次以上或正附卡年消費 18 萬以上，任一即免（官方卡片頁經搜尋讀取，尚未存檔；Win 投資寫法相同）。","confidence":"single_secondary","source_ids":["src-winvest-cube"]},"user_tiers":[{"key":"level1","name_zh":"Level 1","condition_zh":"持有 CUBE 正卡即是。"},{"key":"level2","name_zh":"Level 2","condition_zh":"完成繳費類任務（例如以國泰世華帳戶自動扣繳卡費），次月升級；細節見官網。"},{"key":"level3","name_zh":"Level 3","condition_zh":"國泰世華財富管理貴賓等條件；細節見官網。"}],"plans":[{"key":"dining_shopping","name_zh":"樂饗購","summary_zh":"指定百貨、Uber Eats／foodpanda、國內餐飲、麥當勞、康是美、屈臣氏"},{"key":"select","name_zh":"集精選","summary_zh":"7-ELEVEN／全家實體店、全聯實體店（不含大全聯）、萬家福、LOPIA、中油直營、IKEA、指定充電站與停車"},{"key":"fpg","name_zh":"台塑家","summary_zh":"台塑體系加油站、台塑生醫／長庚生技／台塑購物網、7-ELEVEN／全家／萊爾富實體店（6/1–12/31）"},{"key":"pxpay","name_zh":"全支付","summary_zh":"用全支付綁 CUBE 卡在全聯、大全聯與全支付合作通路付款（4/22–12/31）"},{"key":"fixed","name_zh":"固定回饋","summary_zh":"一般消費 1.2%、海外實體 2.5%，8/3–12/31 期間只能切入一次，切入後鎖到年底"},{"key":"autumn","name_zh":"秋日遊","summary_zh":"日本實體消費與日系通路 3%～8%（10/1–11/30，到期自動切回集精選）"},{"key":"digital","name_zh":"玩數位","summary_zh":"串流、網購、AI 工具；官網方案頁未寫回饋率，本站暫不計算"},{"key":"travel","name_zh":"趣旅行","summary_zh":"海外實體、交通、訂房與航空；官網方案頁未寫回饋率，本站暫不計算"},{"key":"birthday","name_zh":"慶生月","summary_zh":"只限生日月份可切，指定通路 3.5%／5%／10%（10/1–12/31）；本站不計算"},{"key":"kids","name_zh":"童樂匯","summary_zh":"需先解鎖，指定親子通路 1%／5%／10%（7/1–12/31）；本站不計算"}],"term_versions":[{"id":"cathay-cube@2026","period_kind":"annual","period_label":"2026","valid_from":"2026-01-01","valid_to":"2026-12-31","next_period_announced":false,"status":"active","recorded_at":"2026-10-19","verified_at":"2026-10-19","confidence":"verified_2src","source_ids":["src-cathay-cube-list-browser","src-cathay-japanrewards","src-cathay-cubdining-browser","src-cathay-fpg-news"],"corroborating_source_ids":["src-winvest-cube","src-twcc-cube-2026","src-savinglab-cube-autumn","src-udn-cube-fixed","src-money101-cube"],"notes_zh":"官方方案頁（瀏覽器存檔）列出各方案期間與通路；每個方案的指定消費回饋都已含一般消費 0.3%。每月指定消費累計以「消費日當天信用額度＋50 萬元」為限，超過的一般消費只算 0.3%。指定消費只限實體卡或 Apple／Google／Samsung／Garmin Pay，LINE Pay、街口、綠界、藍新等第三方支付不算（全支付方案除外）。樂饗購的等級回饋率（2%／3%／3.3%）官方方案頁沒寫，官方饗美食頁只寫「最高 3.3%」，各級數字來自第二來源，等官方卡片頁存檔再確認。玩數位、趣旅行官方方案頁沒寫回饋率，本站暫不計算。","rules":[{"id":"base","label_zh":"國內一般消費","scope":"general_domestic","rate_bp":30,"incremental":false,"cap_period":"none","conditions_zh":"一般消費 0.3%；保費也只有 0.3%。"},{"id":"base-ovs","label_zh":"海外一般消費","scope":"general_overseas","rate_bp":30,"incremental":false,"cap_period":"none"},{"id":"dining-shopping","label_zh":"樂饗購","scope":"category","category_ids":["dining","department","outlet","delivery"],"merchant_ids":["uber-eats","foodpanda","cosmed","watsons","mcdonalds","shin-kong-mitsukoshi","sogo","fe21","breeze"],"payment_methods":["physical","apple_pay","google_pay","samsung_pay","garmin_pay"],"plan_key":"dining_shopping","rate_by_tier":{"level1":200,"level2":300,"level3":330},"incremental":false,"cap_period":"none","override_exclusions":["x-micropay"],"conditions_zh":"官方只寫「最高 3.3%」，各級回饋率來自第二來源。Uber Eats 不含 Uber One 會員費；國內餐飲不含餐券。"},{"id":"select","label_zh":"集精選 2%","scope":"merchant","merchant_ids":["seven-eleven","familymart","pxmart","carrefour","lejiakang","lopia","cpc","ikea"],"physical_store_only":true,"payment_methods":["physical","apple_pay","google_pay","samsung_pay","garmin_pay"],"plan_key":"select","rate_bp":200,"incremental":false,"cap_period":"none","override_exclusions":["x-cvs","x-px","x-micropay"],"conditions_zh":"超商、全聯限實體門市且不含大全聯；超商用 OPEN 錢包、My FamiPay，全聯用 PX Pay 店內付款也算。排除菸品、代收代售、禮券。另含 U-POWER、EVOASIS 等充電站與車麻吉、uTagGo 停車（本站未建這些商店）。"},{"id":"fpg","label_zh":"台塑家 2%","scope":"merchant","merchant_ids":["formosa-petrol","speedmall-fuel","seven-eleven","familymart","hilife"],"physical_store_only":true,"payment_methods":["physical","apple_pay","google_pay","samsung_pay","garmin_pay"],"plan_key":"fpg","rate_bp":200,"incremental":false,"cap_period":"none","valid_from":"2026-06-01","override_exclusions":["x-cvs","x-micropay"],"conditions_zh":"加油站限本島；超商限實體門市。另含台塑生醫、長庚生技、台塑蔬菜門市與台塑購物網。加油另有每公升最高 3 元的回饋，本站未計入。"},{"id":"pxpay","label_zh":"全支付方案 2%","scope":"merchant","merchant_ids":["pxmart","px-mart-large"],"payment_methods":["pxpay_plus"],"plan_key":"pxpay","rate_bp":200,"incremental":false,"cap_period":"none","valid_from":"2026-04-22","override_exclusions":["x-px"],"conditions_zh":"要用全支付綁 CUBE 卡付款；全支付其他國內合作通路也算。繳稅、繳費、儲值、乘車碼、菸酒、禮券不算。"},{"id":"fixed-dom","label_zh":"固定回饋 一般消費 1.2%","scope":"general_domestic","exclude_category_ids":["insurance"],"payment_methods":["physical","apple_pay","google_pay","samsung_pay","garmin_pay"],"plan_key":"fixed","rate_bp":120,"incremental":false,"cap_period":"none","valid_from":"2026-08-03","conditions_zh":"8/3–12/31 期間只能切入一次，切入後鎖到 12/31；保費仍 0.3%，超商、全聯等排除項目仍是 0。"},{"id":"fixed-ovs","label_zh":"固定回饋 海外實體 2.5%","scope":"general_overseas","physical_store_only":true,"payment_methods":["physical","apple_pay","google_pay","samsung_pay","garmin_pay"],"plan_key":"fixed","rate_bp":250,"incremental":false,"cap_period":"none","valid_from":"2026-08-03","conditions_zh":"含國外餐飲、飯店到店付款；海外網購只算 1.2%。"},{"id":"autumn-jp","label_zh":"秋日遊 日本實體 3.5%","scope":"general_overseas","country_codes":["JP"],"physical_store_only":true,"payment_methods":["physical","apple_pay","google_pay","samsung_pay","garmin_pay"],"plan_key":"autumn","rate_bp":350,"incremental":false,"cap_period":"none","valid_from":"2026-10-01","valid_to":"2026-11-30","conditions_zh":"日本機場指定免稅店 4%；日本 UNIQLO、ABC-MART、Loft、3COINS、Alpen、寶可夢中心、SANRIO 等指定街邊門市 5%（不含百貨店中櫃）。各店另有 App 領券加碼，本站未計入。"},{"id":"autumn-ota","label_zh":"秋日遊 旅遊訂購 3.5%","scope":"merchant","merchant_ids":["agoda","kkday"],"payment_methods":["physical","apple_pay","google_pay","samsung_pay","garmin_pay"],"plan_key":"autumn","rate_bp":350,"incremental":false,"cap_period":"none","valid_from":"2026-10-01","valid_to":"2026-11-30","conditions_zh":"同為 3.5% 的還有國泰航空、台灣虎航、ezTravel、可樂、東南、Club Med；Hotels.com／Expedia 專屬網頁 5%。"},{"id":"autumn-ota3","label_zh":"秋日遊 Trip.com／Klook 3%","scope":"merchant","merchant_ids":["trip-com","klook"],"payment_methods":["physical","apple_pay","google_pay","samsung_pay","garmin_pay"],"plan_key":"autumn","rate_bp":300,"incremental":false,"cap_period":"none","valid_from":"2026-10-01","valid_to":"2026-11-30","conditions_zh":"Klook 指定日本商品 5%，但只限直接刷實體卡，加入 Apple Pay 也不算。"},{"id":"autumn-tw5","label_zh":"秋日遊 國內日系 5%","scope":"merchant","merchant_ids":["donki"],"payment_methods":["physical","apple_pay","google_pay","samsung_pay","garmin_pay"],"plan_key":"autumn","rate_bp":500,"incremental":false,"cap_period":"none","valid_from":"2026-10-01","valid_to":"2026-11-30","conditions_zh":"同為 5% 的還有明曜百貨、Xpark、UNITED ARROWS 官網、爭鮮、錢都、客美多、SUKIYA、必勝客與指定日系飯店；HANDS 南港 LaLaport 8%。"},{"id":"autumn-tw35","label_zh":"秋日遊 國內日系 3.5%","scope":"merchant","merchant_ids":["sogo","mos-burger","sushiro"],"payment_methods":["physical","apple_pay","google_pay","samsung_pay","garmin_pay"],"plan_key":"autumn","rate_bp":350,"incremental":false,"cap_period":"none","valid_from":"2026-10-01","valid_to":"2026-11-30","override_exclusions":["x-micropay"],"conditions_zh":"同為 3.5% 的還有日藥本舖；UNIQLO／GU 網路商店、MITSUI OUTLET PARK、LaLaport 為 3%。"}],"exclusions":[{"id":"x-micropay","label_zh":"聯合信用卡處理中心小額支付特店（如超商、速食、停車）","micropay":true,"source_id":"src-cathay-japanrewards"},{"id":"x-cvs","label_zh":"便利商店（實體與線上）","category_ids":["convenience"],"source_id":"src-cathay-point-2026"},{"id":"x-px","label_zh":"全聯、大全聯（實體與線上）","merchant_ids":["pxmart","px-mart-large"],"source_id":"src-cathay-point-2026"},{"id":"x-tax","label_zh":"稅款、學費、公務機關費用","category_ids":["tax","tuition"],"source_id":"src-cathay-point-2026"},{"id":"x-util","label_zh":"公用事業費用（含網路通訊、影音服務費）、路邊停車、繳費平台","category_ids":["utilities","telecom"],"source_id":"src-cathay-point-2026"},{"id":"x-stored","label_zh":"悠遊卡、一卡通、icash 加值與 eTag 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