{"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":"ctbc-gcc","issuer_id":"bank-ctbc","name_zh":"中信 大中華攜手飛聯名卡","product_type":"credit","networks":["visa"],"card_level_zh":"VISA 無限卡／商務御璽卡／御璽卡","tags":["miles","overseas","airline"],"card_page_url":"https://www.ctbcbank.com/content/twrbo/zh_tw/cc_index/cc_product/cc_introduction_index/C_GCC.html","apply_url":"https://www.ctbcbank.com/content/twrbo/zh_tw/cc_index/cc_product/cc_introduction_index/C_GCC.html","reward":{"kind":"miles","unit_zh":"哩程點數","point_value_twd":null,"point_value_unknown":true,"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-ctbc-gcc-page"]},"annual_fee":{"min_twd":1800,"max_twd":8000,"first_year_free":false,"waiver_zh":"無限卡 8,000 元、商務御璽卡 2,200 元（附卡免收、沒有免年費辦法）；御璽卡首年免年費，之後正卡 1,800、附卡 900 元，年消費滿 6 萬元（正附卡合併）免次年年費","confidence":"official_only","source_ids":["src-ctbc-gcc-page"]},"user_tiers":[{"key":"inf","name_zh":"無限卡","condition_zh":"固定年收入 NT$120 萬以上，或近 3 個月平均資產 150 萬元以上。"},{"key":"biz","name_zh":"商務御璽卡","condition_zh":"固定年收入 NT$20 萬以上。"},{"key":"sig","name_zh":"御璽卡","condition_zh":"固定年收入 NT$20 萬以上。"}],"plans":[],"term_versions":[{"id":"ctbc-gcc@2026q4","period_kind":"custom","period_label":"2026/7/1–12/31","valid_from":"2026-07-01","valid_to":"2026-12-31","next_period_announced":false,"status":"active","recorded_at":"2026-10-19","verified_at":"2026-10-19","confidence":"official_x2","source_ids":["src-ctbc-gcc-page"],"corroborating_source_ids":["src-ctbc-nofeedback-2026","src-ctbc-bonus-terms-2026"],"notes_zh":"哩程點數可換華航、東航、南航、廈航哩程／積分；官方沒有公布 1 哩值多少元，只顯示哩數、不排名。無限卡與商務御璽卡在歐洲實體商店消費仍有回饋（不回饋交易項目 PDF 第 12 條的例外）。第二份官方文件＝中信 115 年度「不回饋交易項目」PDF（印證排除項目：稅費、儲值、全聯、超商、電信費、歐洲實體商店等）。","rules":[{"id":"base","label_zh":"一般消費 每 NT$22／23／30 累積 1 哩（依卡等）","scope":"general_domestic","rate_by_tier":{"inf":454.55,"biz":434.78,"sig":333.33},"incremental":false,"cap_period":"none"},{"id":"base-ovs","label_zh":"國外線上等一般消費 同國內比率","scope":"general_overseas","rate_by_tier":{"inf":454.55,"biz":434.78,"sig":333.33},"incremental":false,"cap_period":"none"},{"id":"ovs-phys","label_zh":"國外實體商店 外幣消費 每 NT$12／15／25 累積 1 哩（依卡等）","scope":"general_overseas","physical_store_only":true,"rate_by_tier":{"inf":378.79,"biz":231.88,"sig":66.67},"incremental":true,"cap_period":"none","valid_from":"2026-07-01","valid_to":"2026-12-31","conditions_zh":"本站以「一般消費比率＋差額」表示。國外實體商店人民幣消費更高（每 NT$11／11／23 1 哩），本站沒有依幣別分，未另建。"}],"exclusions":[{"id":"x-tax","label_zh":"學費、稅款、規費、公用事業費用、公立醫療費用不回饋","category_ids":["tax","tuition","utilities","medical"],"source_id":"src-ctbc-nofeedback-2026"},{"id":"x-sv","label_zh":"儲值卡、儲值金（含自動加值）、eTag 儲值不回饋","category_ids":["stored_value"],"source_id":"src-ctbc-nofeedback-2026"},{"id":"x-px","label_zh":"全聯、大全聯（含 PX Pay）不回饋","merchant_ids":["pxmart","px-mart-large"],"source_id":"src-ctbc-nofeedback-2026"},{"id":"x-conv","label_zh":"便利商店（實體與線上）不回饋","category_ids":["convenience"],"source_id":"src-ctbc-nofeedback-2026"},{"id":"x-tel","label_zh":"電信費不回饋","category_ids":["telecom"],"source_id":"src-ctbc-nofeedback-2026"},{"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-ctbc-gcc-page"}]}]},"current_version_id":"ctbc-gcc@2026q4","issuer":{"id":"bank-ctbc","name_zh":"中國信託商業銀行"},"promos":[],"sources":[{"id":"src-ctbc-gcc-page","url":"https://www.ctbcbank.com/content/twrbo/zh_tw/cc_index/cc_product/cc_introduction_index/C_GCC.html","title_zh":"中信 大中華攜手飛聯名卡 卡片頁（瀏覽器存檔）","publisher":"中國信託銀行","kind":"official","fetched_at":"2026-10-19T22:27+08:00","sha256":"ffcb91b75cf66d81b77d1c070a29f9127b2b9470e4dc791aa4dcafa59493bf58"},{"id":"src-ctbc-nofeedback-2026","url":"https://www.ctbcbank.com/content/dam/twrbo/pdf/creditcard/N2025101400016_024.pdf","title_zh":"中信 115 年度「不回饋交易項目」","publisher":"中國信託銀行","kind":"official","fetched_at":"2026-10-19T22:37+08:00","sha256":"8a7031ab7f7b4bcba68f14db9e35093f85789a991c71c189f71d2d3790efccb3"},{"id":"src-ctbc-bonus-terms-2026","url":"https://www.ctbcbank.com/content/dam/twrbo/pdf/creditcard/N2025101400016_021.pdf","title_zh":"中信 115 年度「刷卡得利計劃」（紅利每 NT$30 1 點、當月滿 3,000 元）","publisher":"中國信託銀行","kind":"official","fetched_at":"2026-10-19T22:37+08:00","sha256":"963592c6e454464cedde652a6f666bde85fc77ee20cf096fc349cf1304a7285f"}]}