{"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":"chb-debit","issuer_id":"bank-chb","name_zh":"彰化銀行 VISA 簽帳金融卡","product_type":"debit","networks":["visa"],"card_level_zh":"簽帳金融卡","tags":["cashback","debit"],"card_page_url":"https://www.bankchb.com/frontend/mashup.jsp?funcId=3fb35bf115","apply_url":"https://www.bankchb.com/frontend/mashup.jsp?funcId=3fb35bf115","requires_zh":"須有彰化銀行存款帳戶。","reward":{"kind":"cash","unit_zh":"現金（存入連結帳戶）","point_value_twd":1,"delivery_zh":"商店請款次月存入；元以下四捨五入。","expiry_zh":"現金，無效期。","source_ids":["src-chb-debit"]},"annual_fee":{"min_twd":null,"max_twd":null,"first_year_free":null,"waiver_zh":"官網卡片頁沒寫年費。","confidence":"official_only","source_ids":["src-chb-debit"]},"user_tiers":[],"plans":[],"term_versions":[{"id":"chb-debit@current","period_kind":"custom","period_label":"現行","valid_from":"2026-01-01","valid_to":null,"next_period_announced":false,"status":"active","recorded_at":"2026-10-19","verified_at":"2026-10-19","confidence":"verified_2src","source_ids":["src-chb-debit"],"corroborating_source_ids":["src-uptogo-chb-debit"],"notes_zh":"官方頁沒寫截止日；回饋無上限。","rules":[{"id":"base","label_zh":"國內一般消費","scope":"general_domestic","rate_bp":20,"incremental":false,"cap_period":"none"},{"id":"base-ovs","label_zh":"海外一般消費","scope":"general_overseas","rate_bp":20,"incremental":false,"cap_period":"none"}],"exclusions":[{"id":"x-px","label_zh":"全聯、大全聯","merchant_ids":["pxmart","px-mart-large"],"source_id":"src-chb-debit"},{"id":"x-pxpay","label_zh":"全支付綁卡消費","payment_methods":["pxpay_plus"],"source_id":"src-chb-debit"},{"id":"x-micropay","label_zh":"聯合信用卡中心小額支付平台","micropay":true,"source_id":"src-chb-debit"},{"id":"x-tax","label_zh":"稅款、學費、政府規費","category_ids":["tax","tuition"],"source_id":"src-chb-debit"},{"id":"x-stored","label_zh":"悠遊卡、eTag 自動儲值","category_ids":["stored_value"],"source_id":"src-chb-debit"},{"id":"x-misc","label_zh":"基金、醫療費、投資平台與各項服務費","note_only":true,"source_id":"src-uptogo-chb-debit"}]}]},"current_version_id":"chb-debit@current","issuer":{"id":"bank-chb","name_zh":"彰化商業銀行"},"promos":[],"sources":[{"id":"src-chb-debit","url":"https://www.bankchb.com/frontend/mashup.jsp?funcId=3fb35bf115","title_zh":"彰化銀行 簽帳金融卡","publisher":"彰化銀行","kind":"official","fetched_at":"2026-10-19T20:42+08:00","sha256":"01f1664353a5a0f7ad298cf94cc25b7b173afc5c68fb072a518a2b6bc783c514"},{"id":"src-uptogo-chb-debit","url":"https://uptogo.com.tw/%E8%B2%A1%E7%B6%93/%E5%BD%B0%E5%8C%96%E9%8A%80%E8%A1%8C%E6%9C%89visa%E9%87%91%E8%9E%8D%E5%8D%A1%E5%97%8E%EF%BC%9F/","title_zh":"彰化銀行有 VISA 金融卡嗎","publisher":"UpToGo","kind":"secondary","fetched_at":"2026-10-19T20:32+08:00","sha256":"a2eb207f11f07c570bd447d238a89870e192ff255a6f6ec56888a555682bea78"}]}