{"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":"hncb-i-shopping","issuer_id":"bank-hncb","name_zh":"華南 i 網購生活卡","product_type":"credit","networks":[],"card_level_zh":"御璽／JCB 晶緻","tags":["cashback","online"],"card_page_url":"https://www.hncb.com.tw/wps/portal/HNCB/card/introduce/cash_feedback_card/card_i_shopping","apply_url":"https://www.hncb.com.tw/wps/portal/HNCB/card/introduce/cash_feedback_card/card_i_shopping","requires_zh":"網購 2% 要先申請信用卡電子帳單並綁定華南銀行 LINE 官方帳號個人化通知。","reward":{"kind":"cash","unit_zh":"現金回饋","point_value_twd":1,"delivery_zh":"按當期帳單計算。","expiry_zh":"依華南辦法。","source_ids":["src-hncb-ishopping"]},"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，之後每年任刷 3 筆或使用電子帳單等條件可免（詳見官網）。","confidence":"verified_2src","source_ids":["src-hncb-ishopping","src-lazymoney-hnanb-i-shopping"]},"user_tiers":[],"plans":[],"tasks":[{"key":"hncb_task","name_zh":"電子帳單 + LINE 個人化通知","condition_zh":"申請信用卡電子帳單並綁定華南銀行 LINE 官方帳號個人化通知服務。"}],"term_versions":[{"id":"hncb-i-shopping@2026","period_kind":"custom","period_label":"2026","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-hncb-ishopping"],"corroborating_source_ids":["src-lazymoney-hnanb-i-shopping"],"notes_zh":"網路消費以華南系統判定為準；台灣Pay（含華銀支付）、電話、傳真、授權自動扣帳不算。實體消費的回饋是紅利點數，官網卡片頁沒寫成回饋率，本站不換算。","rules":[{"id":"online","label_zh":"網購單筆滿 300 元 2%","scope":"category","category_ids":["online","delivery","streaming","ai_service","gaming","ticketing"],"requires_task":"hncb_task","rate_bp":200,"incremental":false,"min_txn_twd":300,"cap_amount_twd":200,"cap_period":"statement","cap_scope":"hncb-online","conditions_zh":"限線上刷卡即時授權的網路消費。"}],"exclusions":[{"id":"x-twpay","label_zh":"台灣Pay（含華銀支付）","payment_methods":["tw_pay"],"source_id":"src-hncb-ishopping"},{"id":"x-autodebit","label_zh":"授權自動扣帳（如定期扣款）","category_ids":["utilities","telecom","insurance"],"source_id":"src-hncb-ishopping"}]}]},"current_version_id":"hncb-i-shopping@2026","issuer":{"id":"bank-hncb","name_zh":"華南商業銀行"},"promos":[],"sources":[{"id":"src-hncb-ishopping","url":"https://www.hncb.com.tw/wps/portal/HNCB/card/introduce/cash_feedback_card/card_i_shopping","title_zh":"i 網購生活卡 卡片頁","publisher":"華南銀行","kind":"official","fetched_at":"2026-10-19T19:45+08:00","sha256":"deeebd3fc800bba9a43f84df2f661be37e15df1c9ce74ae34321b173b7976a74"},{"id":"src-lazymoney-hnanb-i-shopping","url":"https://lazymoney.tw/credit-cards/card/hnanb-i-shopping","title_zh":"華南 i 網購生活卡","publisher":"卡蹭","kind":"secondary","fetched_at":"2026-10-19T19:45+08:00","sha256":"6fdf1e2a73eb7e5b1a7cf8329beb9e6b206e9cfd1ada519f08773e6911912ec6"}]}