{"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-lexus","issuer_id":"bank-ctbc","name_zh":"中信 LEXUS聯名卡","product_type":"credit","networks":["mastercard"],"card_level_zh":"Mastercard 商務世界卡","tags":["car","overseas"],"card_page_url":"https://www.ctbcbank.com/content/twrbo/zh_tw/cc_index/cc_product/cc_introduction_index/C_LEXUS.html","apply_url":"https://www.ctbcbank.com/content/twrbo/zh_tw/cc_index/cc_product/cc_introduction_index/C_LEXUS.html","requires_zh":"LEXUS 車主或車主的配偶、子女、父母、兄弟姊妹；固定年收入 NT$120 萬以上或近 2 個月平均資產 150 萬元以上","reward":{"kind":"points","unit_zh":"中信紅利點數","point_value_twd":0.08,"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-lexus-page"]},"annual_fee":{"min_twd":0,"max_twd":10000,"first_year_free":true,"waiver_zh":"首年免年費，次年 10,000 元（附卡免年費）；當年刷卡累計滿 50 萬元，或滿 36 萬元且含 2 筆 LEXUS 經銷商據點消費，免次年年費（含繳稅，正附卡合併）","confidence":"official_only","source_ids":["src-ctbc-lexus-page"]},"user_tiers":[],"plans":[],"term_versions":[{"id":"ctbc-lexus@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-lexus-page"],"corroborating_source_ids":["src-ctbc-bonus-terms-2026","src-ctbc-nofeedback-2026"],"notes_zh":"紅利點數價值：卡片頁寫 1,000 點折抵 LEXUS 消費（購車、維修保養）80 元、可折 100%，本站以 1 點＝0.08 元計。紅利依「刷卡得利計劃」每筆 NT$30 1 點（倍數含原本 1 倍）；刷卡得利計劃另寫當月新增消費要滿 NT$3,000，但鼎極等指定卡種不受限，本卡是否受限卡片頁沒寫，本站不設門檻。LEXUS 據點消費 5 倍沒有商店代碼，未建。限 LEXUS 車主或其親屬申辦。第二份官方文件＝刷卡得利計劃 PDF（每 NT$30 1 點）與不回饋交易項目 PDF（LEXUS 聯名卡在歐洲實體商店仍有回饋）。","rules":[{"id":"base","label_zh":"國內消費 3 倍紅利（每 NT$30 3 點）","scope":"general_domestic","rate_bp":1000,"incremental":false,"cap_period":"none"},{"id":"base-ovs","label_zh":"國外消費 5 倍紅利（每 NT$30 5 點）","scope":"general_overseas","rate_bp":1666.67,"incremental":false,"cap_period":"none"},{"id":"cpc","label_zh":"中油直營站與加盟站 5 倍紅利","scope":"merchant","merchant_ids":["cpc"],"rate_bp":666.67,"incremental":true,"cap_period":"none","conditions_zh":"只限由中信提供收單服務的中油站；本站以「國內 3 倍＋差額 2 倍」表示。"}],"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-lexus-page"}]}]},"current_version_id":"ctbc-lexus@2026q4","issuer":{"id":"bank-ctbc","name_zh":"中國信託商業銀行"},"promos":[],"sources":[{"id":"src-ctbc-lexus-page","url":"https://www.ctbcbank.com/content/twrbo/zh_tw/cc_index/cc_product/cc_introduction_index/C_LEXUS.html","title_zh":"中信 LEXUS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":"0e9b095e5ed34d8a12bb3ac9fa2e3232e53c7b9aa948e64b0202b3f398336a37"},{"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"},{"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"}]}