{"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-sogo","issuer_id":"bank-ctbc","name_zh":"中信 遠東SOGO聯名卡","product_type":"credit","networks":["visa"],"card_level_zh":"VISA 鼎尊無限卡（邀約制）／無限卡／御璽卡","tags":["department","overseas"],"card_page_url":"https://www.ctbcbank.com/content/twrbo/zh_tw/cc_index/cc_product/cc_introduction_index/C_CS.html","apply_url":"https://www.ctbcbank.com/content/twrbo/zh_tw/cc_index/cc_product/cc_introduction_index/C_CS.html","image":"/cards-img/ctbc-sogo.webp","image_source":"https://www.ctbcbank.com/content/dam/twrbo/images/creditcard/card/C_CS_VTH_8156.png","image_fetched_at":"2026-10-20","reward":{"kind":"points","unit_zh":"SOGO金","point_value_twd":1,"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-sogo-page","src-ctbc-point-terms-2026"]},"annual_fee":{"min_twd":null,"max_twd":null,"first_year_free":true,"waiver_zh":"首年免年費；第二年起的年費金額卡片頁沒寫（只說依「信用卡利率及費用資訊」頁，該頁需瀏覽器）。鼎尊無限卡持卡期間符合中信臻、傳富家資格且為 SOGO 邀約會員免年費；無限卡為 SOGO 邀約會員免年費","confidence":"official_only","source_ids":["src-ctbc-sogo-page"]},"user_tiers":[{"key":"zunzun","name_zh":"鼎尊無限卡（邀約制）","condition_zh":"中信邀請才能申辦。"},{"key":"inf","name_zh":"無限卡","condition_zh":"固定年收入 NT$200 萬以上，或近 3 個月平均資產 240 萬元以上。"},{"key":"sig","name_zh":"御璽卡","condition_zh":"固定年收入 NT$20 萬以上。"}],"plans":[],"term_versions":[{"id":"ctbc-sogo@2026q4","period_kind":"custom","period_label":"2026/10/1–12/31","valid_from":"2026-10-01","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-sogo-page"],"corroborating_source_ids":["src-ctbc-nofeedback-2026","src-ctbc-point-terms-2026"],"notes_zh":"SOGO金 1 點＝1 元：卡片頁寫 2026/1/16 起中信點更名為 SOGO金（中信點回饋計劃寫 1 點等值 1 元），違規扣回時也以 SOGO金 1 元＝NT$1 計；可用範圍依 SOGO 聯名卡回饋計劃。宜睿 SOGO 即享券專區 3% 折扣與滿千送 50、大巨蛋售票平台 10%（需登錄、每月上限 300 元）未建。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）（其中明列 SOGO 貴賓廳消費不回饋）。","rules":[{"id":"base","label_zh":"國內一般消費 0.5% SOGO金（無上限）","scope":"general_domestic","rate_bp":50,"incremental":false,"cap_period":"none"},{"id":"base-ovs","label_zh":"國外一般消費 0.5% SOGO金","scope":"general_overseas","rate_bp":50,"incremental":false,"cap_period":"none"},{"id":"ovs-phys","label_zh":"國外實體商店 再加 1.5%（合計 2%，無上限）","scope":"general_overseas","physical_store_only":true,"rate_bp":150,"incremental":true,"cap_period":"none","conditions_zh":"消費地或商店登記國別在台灣以外的面對面交易（實體卡或 Apple Pay／Google Pay／Samsung Pay），網路交易不算。"},{"id":"sogo","label_zh":"遠東SOGO 店內 再加 2.5%（合計 3%）","scope":"merchant","merchant_ids":["sogo"],"rate_bp":250,"incremental":true,"cap_amount_twd":2500,"cap_period":"month","cap_scope":"ctbc-sogo-store","conditions_zh":"限 SOGO（太平洋崇光）開立發票的店鋪，以實體卡、Apple Pay、Google Pay、LINE Pay、HAPPY GO PAY 支付。加碼每月上限依名下最高卡等：鼎尊無限卡 25,000、無限卡 7,500、御璽卡 2,500 元；本站一律用最低的 2,500 元。","cap_twd_max":2500,"max_spend_twd":100000}],"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-eu","label_zh":"歐洲經濟區與英國等 31 國的實體商店消費不回饋","country_codes":["AT","BE","BG","HR","CY","CZ","DK","EE","FI","FR","DE","GR","HU","IE","IT","LV","LT","LU","MT","NL","PL","PT","RO","SK","SI","ES","SE","GB","IS","LI","NO"],"physical_only":true,"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-sogo-page"}]}]},"current_version_id":"ctbc-sogo@2026q4","issuer":{"id":"bank-ctbc","name_zh":"中國信託商業銀行"},"promos":[],"sources":[{"id":"src-ctbc-sogo-page","url":"https://www.ctbcbank.com/content/twrbo/zh_tw/cc_index/cc_product/cc_introduction_index/C_CS.html","title_zh":"中信 遠東SOGO聯名卡 卡片頁（瀏覽器存檔）","publisher":"中國信託銀行","kind":"official","fetched_at":"2026-10-19T22:26+08:00","sha256":"245c18d5612a8d2b7c0396bf0af838c670ecd80150c9a2f1c7b42cafd28e543d"},{"id":"src-ctbc-point-terms-2026","url":"https://www.ctbcbank.com/content/dam/twrbo/pdf/creditcard/N2025101400016_022.pdf","title_zh":"中信 115 年度「中信點回饋計劃」（1 點＝1 元）","publisher":"中國信託銀行","kind":"official","fetched_at":"2026-10-19T22:37+08:00","sha256":"bf28a852d6a6c4c43ad09f67fa7b249fe6080bde1ac86ea2b2f9e0b1cb4746e0"},{"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"}]}