{"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-world","issuer_id":"bank-cathay","name_zh":"國泰世界卡","product_type":"credit","networks":["mastercard"],"card_level_zh":"Mastercard 世界卡","tags":["points","overseas"],"card_page_url":"https://www.cathaybk.com.tw/cathaybk/personal/product/credit-card/cards/world/","apply_url":"https://www.cathaybk.com.tw/cathaybk/personal/product/credit-card/cards/world/","requires_zh":"現職滿一年且年收入 NT$200 萬以上","reward":{"kind":"points","unit_zh":"小樹點（信用卡）","point_value_twd":1,"point_value_note_zh":"國泰 2026 年小樹點權益公告：即時折抵 1 點折 1 元。","delivery_zh":"依官方條款入帳（本站未逐卡查證入帳時程）。","expiry_zh":"依官方條款（未查證）。","source_ids":["src-cathay-world-page","src-cathay-point-2026","src-lazymoney-cathay-world"]},"annual_fee":{"min_twd":0,"max_twd":20000,"first_year_free":false,"waiver_zh":"正卡 20,000 元、附卡免年費。首年：近三個月在國泰平均往來資產 300 萬元以上且在專案名單內可免。續年：正附卡年消費 80 萬元以上免次年年費、40 萬元以上 5 折；2026/7/1 起門檻降為 60 萬／30 萬元","confidence":"verified_2src","source_ids":["src-cathay-world-page","src-lazymoney-cathay-world"]},"user_tiers":[],"plans":[],"term_versions":[{"id":"cathay-world@2026q4","period_kind":"annual","period_label":"2026 全年","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-world-page"],"corroborating_source_ids":["src-lazymoney-cathay-world"],"conflicts":[{"field":"point_value_twd","zh":"國泰世界卡卡片頁沒寫小樹點 1 點值多少；國泰小樹點權益公告寫即時折抵 1 點折 1 元，卡蹭寫 1 點等值 1 元。","adopted":"權益公告：1 點＝1 元"}],"notes_zh":"小樹點 1 點的價值：卡片頁沒寫；國泰 2026 年小樹點權益公告的兌換比率表寫「即時折抵 1 點折抵 1 元」，本站以 1 點＝1 元計（卡蹭也寫 1 點等值 1 元）。也可換哩：長榮 300 點換 1,000 哩、華航 720 點換 1,000 哩、亞洲萬里通 300 點換 1,000 哩。刷保費最高 1.8%（條件頁面沒寫清楚）未建成規則。","rules":[{"id":"base","label_zh":"國內消費 0.6% 小樹點","scope":"general_domestic","rate_bp":60,"incremental":false,"cap_period":"none"},{"id":"base-ovs","label_zh":"海外消費 單筆滿 NT$500 0.9% 小樹點","scope":"general_overseas","rate_bp":90,"incremental":false,"min_txn_twd":500,"cap_period":"none","conditions_zh":"交易地點不在臺灣或幣別不是新臺幣的一般交易；官網沒寫上限。單筆未滿 NT$500 的海外消費官網沒寫回饋多少，本站不計。"},{"id":"ovs-300k","label_zh":"下半年海外累計滿 NT$30 萬 再加 2.6%","scope":"general_overseas","rate_bp":260,"incremental":true,"min_campaign_spend_twd":300000,"cap_amount_twd":7800,"cap_period":"campaign","cap_scope":"cathay-world-ovs","valid_from":"2026-07-01","valid_to":"2026-12-31","conditions_zh":"2026/7/1–12/31 海外消費（含線上與實體）累計達 NT$30 萬，加碼 2.6%（含主權益合計 3.5%），加碼每戶上限 7,800 點。"}],"exclusions":[{"id":"x-conv","label_zh":"便利超商（含實體門市與線上通路）","category_ids":["convenience"],"source_id":"src-cathay-world-page"},{"id":"x-px","label_zh":"全聯、大全聯（含實體與線上）","merchant_ids":["pxmart","px-mart-large"],"source_id":"src-cathay-world-page"},{"id":"x-bills","label_zh":"稅款、學費、公用事業費用","category_ids":["tax","tuition","utilities"],"source_id":"src-cathay-world-page"},{"id":"x-sv","label_zh":"悠遊卡、一卡通、icash 加值與 eTag 儲值","category_ids":["stored_value"],"source_id":"src-cathay-world-page"},{"id":"x-unverified","label_zh":"官方注意事項中的排除項目（例如稅款、規費、儲值、預借現金等）未逐條建檔；實際以官方條款為準","note_only":true,"source_id":"src-cathay-world-page"}]}]},"current_version_id":"cathay-world@2026q4","issuer":{"id":"bank-cathay","name_zh":"國泰世華商業銀行"},"promos":[],"sources":[{"id":"src-cathay-world-page","url":"https://www.cathaybk.com.tw/cathaybk/personal/product/credit-card/cards/world/","title_zh":"國泰世界卡 卡片頁（瀏覽器存檔）","publisher":"國泰世華","kind":"official","fetched_at":"2026-10-19T21:48+08:00","sha256":"b653c63c34e74640afe19fe5117955a1f4ca3152f13257b305a7dfe579c59476"},{"id":"src-cathay-point-2026","url":"https://www.cathaybk.com.tw/cathaybk/promo/event/credit-card/discount/2026/pointannounceInfo05/index.html","title_zh":"2026 年小樹點權益公告（含簽帳金融卡點數辦法）","publisher":"國泰世華","kind":"official","fetched_at":"2026-10-19T20:34+08:00","sha256":"03cdc415a95162ea010bfe2abc0811bd632113dc26226f4d5f9442966a48d28c"},{"id":"src-lazymoney-cathay-world","url":"https://lazymoney.tw/credit-cards/card/cathay-world","title_zh":"國泰世界卡","publisher":"卡蹭","kind":"secondary","fetched_at":"2026-10-19T21:23+08:00","sha256":"8c73072d068ec23d0419d8e9bce2100bdcdae24821fb0a73b05498741c740b3b"}]}