{"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-poya","issuer_id":"bank-esun","name_zh":"玉山寶雅悠遊聯名卡","product_type":"credit","networks":["visa"],"card_level_zh":"御璽／白金／普卡","tags":["drugstore","easycard"],"card_page_url":"https://www.esunbank.com/zh-tw/personal/credit-card/intro/co-branded-card/poya-card","apply_url":"https://www.esunbank.com/zh-tw/personal/credit-card/intro/co-branded-card/poya-card","reward":{"kind":"points","unit_zh":"玉山 e point","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-esun-poya-page"]},"annual_fee":{"min_twd":0,"max_twd":3000,"first_year_free":true,"waiver_zh":"御璽卡正卡 3,000、白金卡 900、普卡 300 元，附卡免年費；首年免年費；次年起前一年度使用帳單e化、玉山帳戶自動扣繳卡款或任消費一筆即免年費（每年重新計算）","confidence":"official_only","source_ids":["src-esun-poya-page"]},"user_tiers":[],"plans":[],"term_versions":[{"id":"esun-poya@2026q4","period_kind":"annual","period_label":"2026 全年","valid_from":"2026-01-01","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-poya-page"],"corroborating_source_ids":["src-cardli-esun-poya"],"notes_zh":"玉山 e point 1 點＝1 元（卡片頁與 Cardli 同）。特店分期交易不給基本回饋。寶雅店內權益與週末登錄 13%（單筆滿 999、月上限 300 元）未建。第二來源＝Cardli 卡利整理頁（第三方）。","rules":[{"id":"base","label_zh":"店外新增一般消費 0.2%（無上限）","scope":"general_domestic","rate_bp":20,"incremental":false,"cap_period":"none"},{"id":"base-ovs","label_zh":"國外一般消費 0.2%","scope":"general_overseas","rate_bp":20,"incremental":false,"cap_period":"none"}],"exclusions":[{"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-esun-poya-page"}]}]},"current_version_id":"esun-poya@2026q4","issuer":{"id":"bank-esun","name_zh":"玉山商業銀行"},"promos":[],"sources":[{"id":"src-esun-poya-page","url":"https://www.esunbank.com/zh-tw/personal/credit-card/intro/co-branded-card/poya-card","title_zh":"玉山寶雅悠遊聯名卡 卡片頁","publisher":"玉山商業銀行","kind":"official","fetched_at":"2026-10-19T23:11+08:00","sha256":"c0429f3c19d3de6b9041d314e6f7824329936946a8d7362cdcf8e1a99c106f22"},{"id":"src-cardli-esun-poya","url":"https://cardli.app/cards/esun_poya.html","title_zh":"Cardli：玉山寶雅悠遊聯名卡 回饋整理","publisher":"Cardli 卡利","kind":"secondary","fetched_at":"2026-10-19T23:13+08:00","sha256":"5e40e264ca207f37b1004f90c94847c04a31d93a47cd6732e157c96444e4d227"}]}