{"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":"esun-kumamon","issuer_id":"bank-esun","name_zh":"玉山熊本熊卡","product_type":"credit","networks":[],"card_level_zh":"依卡等","tags":["cashback","japan"],"card_page_url":"https://www.esunbank.com/zh-tw/personal/credit-card/intro/bank-card/kumamon_card","apply_url":"https://www.esunbank.com/zh-tw/personal/credit-card/intro/bank-card/kumamon_card","requires_zh":"國內 0.5% 需同時設定帳單 e 化與玉山帳戶自動扣繳；日本消費仍要付 1.5% 國外交易服務費。","reward":{"kind":"cash","unit_zh":"現金回饋","point_value_twd":1,"delivery_zh":"國內一般消費回饋於當期帳單直接折抵。","expiry_zh":"當期折抵。","source_ids":["src-esun-kumamon"]},"annual_fee":{"min_twd":null,"max_twd":null,"first_year_free":null,"waiver_zh":"官網卡片頁未查到年費金額；第二來源寫 3,000 元、首年免年費，尚未以官方頁面核對，暫不採用。","confidence":"single_secondary","source_ids":["src-lazymoney-esun-kumamon"]},"user_tiers":[],"plans":[],"tasks":[{"key":"esun_autopay","name_zh":"帳單 e 化 + 玉山帳戶自動扣繳","condition_zh":"同時申請電子帳單並用玉山帳戶自動扣繳卡費。"}],"term_versions":[{"id":"esun-kumamon@2026H2","period_kind":"half_year","period_label":"2026H2","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":"verified_2src","source_ids":["src-esun-kumamon"],"corroborating_source_ids":["src-lazymoney-esun-kumamon"],"notes_zh":"指定日本商店再加 6%（每期上限 500 元，2026 年需重新登錄一次）、用玉山 Wallet 付 PayPay 3.5%（每季上限 100 元、免 1.5% 服務費）都沒有對應的商店／支付頁，未計入試算。日本以外的國外消費回饋，官網卡片頁沒有寫，本站不列。","rules":[{"id":"base","label_zh":"國內一般消費","scope":"general_domestic","requires_task":"esun_autopay","rate_bp":50,"incremental":false,"cap_period":"none"},{"id":"japan","label_zh":"日本一般消費","scope":"country","country_codes":["JP"],"rate_bp":250,"incremental":false,"cap_period":"none"}],"exclusions":[{"id":"x-tax","label_zh":"稅費等非一般消費（依玉山公告）","category_ids":["tax"],"source_id":"src-esun-kumamon"},{"id":"x-installment","label_zh":"非一般消費項目見玉山公告","note_only":true,"source_id":"src-esun-kumamon"}]}]},"current_version_id":"esun-kumamon@2026H2","issuer":{"id":"bank-esun","name_zh":"玉山商業銀行"},"promos":[],"sources":[{"id":"src-esun-kumamon","url":"https://www.esunbank.com/zh-tw/personal/credit-card/intro/bank-card/kumamon_card","title_zh":"熊本熊卡 卡片頁","publisher":"玉山銀行","kind":"official","fetched_at":"2026-10-19T19:45+08:00","sha256":"98e3c77ba8fd74017480ba6999edc2a6c6f1fe1365558afb81f5d6d873568869"},{"id":"src-lazymoney-esun-kumamon","url":"https://lazymoney.tw/credit-cards/card/esun-kumamon","title_zh":"玉山熊本熊卡","publisher":"卡蹭","kind":"secondary","fetched_at":"2026-10-19T19:45+08:00","sha256":"0bccbd6464913380a361951c3f52859a8202b3e61b3221c549de626ebca4324a"}]}