{"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":"fubon-momo","issuer_id":"bank-fubon","name_zh":"富邦 momo 卡","product_type":"credit","networks":[],"card_level_zh":"鈦金／御璽／晶緻","tags":["cashback","momo","online","cobrand"],"card_page_url":"https://www.fubon.com/banking/personal/credit_card/all_card/momo/momo.htm","apply_url":"https://www.fubon.com/banking/personal/credit_card/all_card/momo/momo.htm","requires_zh":"momo 通路回饋 mo幣，要先完成 momo 帳戶驗證；用 LINE Pay、街口等付款在 momo 只算一般消費 1%。","reward":{"kind":"cash","unit_zh":"現金回饋（momo 通路為 mo幣）","point_value_twd":1,"point_value_note_zh":"官網寫 1 mo幣 = 1 元，可在 momo 全額折抵。","delivery_zh":"店外現金回饋折抵之後 6 期帳單的新增消費；mo幣於請款後約 10 個營業日撥入 momo 帳戶。","expiry_zh":"現金回饋 6 期內未折抵完歸零；mo幣自回饋日起一年。","source_ids":["src-fubon-momo"]},"annual_fee":{"min_twd":1800,"max_twd":1800,"first_year_free":true,"waiver_zh":"首年免年費；次年消費滿 6 萬元或 12 次可免；2026 年底前在 momo 刷一筆、改電子帳單、加富邦 LINE 好友或設定富邦帳戶自扣，任一項也可免。","confidence":"verified_2src","source_ids":["src-fubon-momo","src-lazymoney-fubon-momo"]},"user_tiers":[{"key":"regular","name_zh":"一般","condition_zh":"預設。"},{"key":"new_customer","name_zh":"新戶","condition_zh":"申辦前 6 個月內沒有富邦信用卡正卡；2026/7/1–12/31 申辦、2027/1/10 前核卡，核卡 30 天內登錄。"}],"plans":[],"term_versions":[{"id":"fubon-momo@2026","period_kind":"custom","period_label":"2026/4–12","valid_from":"2026-04-01","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-fubon-momo-browser","src-fubon-momo"],"corroborating_source_ids":["src-lazymoney-fubon-momo"],"notes_zh":"momo 通路回饋上限按「帳單」算：2026 年 10 月到 2027 年 1 月的帳單上限 2,000 mo幣，其他帳單 1,000。momo 館內部分品牌另有最高 4% mo點（免登錄，以 momo 公告為準），未計入試算。瀏覽器存檔（2026-10-19）再確認了上限與排除清單；在 momo 用 LINE Pay、街口付款只算一般消費 1%。","rules":[{"id":"base","label_zh":"店外一般消費","scope":"general_domestic","rate_bp":100,"incremental":false,"cap_period":"none"},{"id":"base-ovs","label_zh":"海外一般消費","scope":"general_overseas","rate_bp":100,"incremental":false,"cap_period":"none"},{"id":"insurance","label_zh":"保費（或改選分期 0 利率）","scope":"category","category_ids":["insurance"],"rate_bp":50,"incremental":false,"cap_period":"none","override_exclusions":["x-insurance"]},{"id":"momo-a","label_zh":"momo 通路 3% mo幣","scope":"merchant","merchant_ids":["momo"],"payment_methods":["physical","apple_pay","google_pay","samsung_pay"],"rate_bp":300,"reward_unit_zh":"mo幣","incremental":false,"cap_amount_twd":1000,"cap_period":"statement","cap_scope":"momo-in","valid_to":"2026-09-30","conditions_zh":"分期不回饋；帳單上限 1,000 mo幣。"},{"id":"momo-b","label_zh":"momo 通路 3% mo幣（上限調高）","scope":"merchant","merchant_ids":["momo"],"payment_methods":["physical","apple_pay","google_pay","samsung_pay"],"rate_bp":300,"reward_unit_zh":"mo幣","incremental":false,"cap_amount_twd":2000,"cap_period":"statement","cap_scope":"momo-in","valid_from":"2026-10-01","conditions_zh":"分期不回饋；2026/10–2027/1 結帳的帳單上限 2,000 mo幣（以入帳日判斷落在哪期帳單）。"},{"id":"new-in","label_zh":"新戶 momo 店內加碼 2%","scope":"merchant","merchant_ids":["momo"],"user_tier":"new_customer","rate_bp":200,"incremental":true,"cap_amount_twd":300,"cap_period":"campaign","cap_scope":"momo-new","requires_registration":true,"conditions_zh":"核卡後 90 天內；與店外加碼共用 300 mo幣上限。"},{"id":"new-out","label_zh":"新戶 店外一般消費加碼 2%","scope":"general_domestic","user_tier":"new_customer","rate_bp":200,"incremental":true,"cap_amount_twd":300,"cap_period":"campaign","cap_scope":"momo-new","requires_registration":true}],"exclusions":[{"id":"x-eea-physical","label_zh":"歐洲經濟區（含英國、冰島、挪威等）實體商店","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-fubon-momo"},{"id":"x-insurance","label_zh":"保費（另有保費專屬回饋）","category_ids":["insurance"],"source_id":"src-fubon-momo"},{"id":"x-autoload","label_zh":"自動加值儲值金","payment_methods":["easycard_autoload"],"source_id":"src-fubon-momo"},{"id":"x-convenience","label_zh":"便利商店（含綁該超商的行動支付）","category_ids":["convenience"],"source_id":"src-fubon-momo"},{"id":"x-pxmart","label_zh":"全聯實業旗下通路（含線上與各種支付）","merchant_ids":["pxmart","px-mart-large"],"source_id":"src-fubon-momo"},{"id":"x-micropay","label_zh":"聯合信用卡中心小額支付特店","micropay":true,"source_id":"src-fubon-momo"},{"id":"x-tax","label_zh":"各類稅款、規費","category_ids":["tax"],"source_id":"src-fubon-momo"},{"id":"x-utilities","label_zh":"水電瓦斯、電信費、路邊停車費","category_ids":["utilities","telecom","parking"],"source_id":"src-fubon-momo"},{"id":"x-medical","label_zh":"醫療院所費用","category_ids":["medical"],"source_id":"src-fubon-momo"},{"id":"x-tuition","label_zh":"學雜費","category_ids":["tuition"],"source_id":"src-fubon-momo"},{"id":"x-platforms","label_zh":"YouTube、Spotify、TikTok、Apple 媒體服務、Google 產品與服務","merchant_ids":["youtube-premium","spotify"],"source_id":"src-fubon-momo"},{"id":"x-costco","label_zh":"台灣 Costco","merchant_ids":["costco"],"source_id":"src-fubon-momo"},{"id":"x-momo-installment","label_zh":"momo 通路分期付款","note_only":true,"source_id":"src-fubon-momo"},{"id":"x-misc-browser","label_zh":"基金申購與代扣、eToro 等境外投資、博弈、公路監理資費、醫指付與各繳費稅平台、預借現金","note_only":true,"source_id":"src-fubon-momo-browser"}]}]},"current_version_id":"fubon-momo@2026","issuer":{"id":"bank-fubon","name_zh":"台北富邦商業銀行"},"promos":[],"sources":[{"id":"src-fubon-momo","url":"https://www.fubon.com/banking/personal/credit_card/all_card/momo/momo.htm","title_zh":"富邦 momo 卡 卡片頁","publisher":"台北富邦銀行","kind":"official","fetched_at":"2026-10-19T19:47+08:00","sha256":"aca38e3fade3713329161ba4cc4d2e75ecb284e7c06f444ec9c986369fc84b37"},{"id":"src-lazymoney-fubon-momo","url":"https://lazymoney.tw/credit-cards/card/fubon-momo","title_zh":"富邦 momo 卡","publisher":"卡蹭","kind":"secondary","fetched_at":"2026-10-19T19:45+08:00","sha256":"5b4260899153259a853dfdcc79dafef4dcb3968049324a3be11b440d7d55c8de"},{"id":"src-fubon-momo-browser","url":"https://www.fubon.com/banking/personal/credit_card/all_card/momo/momo.htm","title_zh":"momo 卡（瀏覽器存檔）","publisher":"台北富邦銀行","kind":"official","fetched_at":"2026-10-19T20:35+08:00","sha256":"b73f570498bc938567467fffaffe28a47da17bcc6dc1100bbbd754ea0f98de76"}]}