{"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":"firstbank-wonderful","issuer_id":"bank-firstbank","name_zh":"第一銀行 Wonderful 星璨卡","product_type":"credit","networks":["visa"],"card_level_zh":"Visa 御璽卡","tags":["cashback","department","overseas"],"card_page_url":"https://card.firstbank.com.tw/sites/card/zh_TW/1565690686302","apply_url":"https://card.firstbank.com.tw/sites/card/zh_TW/1565690686302","reward":{"kind":"cash","unit_zh":"現金回饋","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-firstbank-wonderful-page"]},"annual_fee":{"min_twd":1200,"max_twd":1200,"first_year_free":true,"waiver_zh":"正卡 1,200 元、附卡免年費，首年免年費；第 2 年起正卡申請電子帳單成功，或不限金額任消費 1 筆，即免次年年費","confidence":"official_x2","source_ids":["src-firstbank-wonderful-page","src-firstbank-fee-2026-08"]},"user_tiers":[],"plans":[],"term_versions":[{"id":"firstbank-wonderful@2026q4","period_kind":"half_year","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-firstbank-wonderful-page","src-lazymoney-firstbank-wonderful"],"corroborating_source_ids":["src-firstbank-fee-2026-08"],"notes_zh":"卡片頁寫「2026 精選通路加碼 3% 現金回饋 每月回饋上限 300 元」、一般消費 0.5% 無上限；加碼期間 2026/7/1–12/31 與適用通路（百貨購物或海外實體商店）同時對照懶人經濟學卡片頁。指定通路 1.5%（加碼每期上限 500 元）卡片頁沒列通路名單，本站未建。第二份官方文件＝第一銀行費用收費標準 2026.8 版（印證年費）。","rules":[{"id":"base","label_zh":"國內一般消費 0.5% 現金回饋（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% 現金回饋（無上限）","scope":"general_overseas","rate_bp":50,"incremental":false,"cap_period":"none"},{"id":"dept","label_zh":"百貨購物 再加 3%（合計 3.5%）","scope":"category","category_ids":["department"],"rate_bp":300,"incremental":true,"cap_amount_twd":300,"cap_period":"month","cap_scope":"fb-wonderful-3","conditions_zh":"精選通路加碼 3%，每月加碼上限 300 元（與海外實體共用）。"},{"id":"ovs-phys","label_zh":"海外實體商店 再加 3%（合計 3.5%）","scope":"general_overseas","physical_store_only":true,"rate_bp":300,"incremental":true,"cap_amount_twd":300,"cap_period":"month","cap_scope":"fb-wonderful-3","conditions_zh":"精選通路加碼 3%，每月加碼上限 300 元（與百貨共用）。"}],"exclusions":[{"id":"x-def","label_zh":"哪些交易算「一般消費」依第一銀行官網公告的一般消費定義（本站未逐項建成排除規則）","note_only":true,"source_id":"src-firstbank-fee-2026-08"}]}]},"current_version_id":"firstbank-wonderful@2026q4","issuer":{"id":"bank-firstbank","name_zh":"第一商業銀行"},"promos":[],"sources":[{"id":"src-firstbank-wonderful-page","url":"https://card.firstbank.com.tw/sites/card/zh_TW/1565690686302","title_zh":"第一銀行 Wonderful 星璨卡 卡片頁（瀏覽器存檔）","publisher":"第一商業銀行","kind":"official","fetched_at":"2026-10-19T22:32:51+08:00","sha256":"fb9438e0fd141a2ecded101dc76828fd86bceca60ca50478aba82be3e11e5e77"},{"id":"src-firstbank-fee-2026-08","url":"https://www.firstbank.com.tw/sites/fcb/files/1565684562677","title_zh":"第一銀行 信用卡循環信用利率及各項費用收費標準（2026.8 版）","publisher":"第一商業銀行","kind":"official","fetched_at":"2026-10-19T22:49+08:00","sha256":"d077cbb62fa2a30461e12fb7c88c0e81c8b50b6d3c37e6a93c27f4c021e1948f"},{"id":"src-lazymoney-firstbank-wonderful","url":"https://lazymoney.tw/credit-cards/card/firstbank-wonderful","title_zh":"第一銀行 Wonderful 星璨卡","publisher":"卡蹭","kind":"secondary","fetched_at":"2026-10-19T22:49+08:00","sha256":"3b93030900368ce402dd974847f9f3788d4ac508524adef1c623526c6799d2b2"}]}