{"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":"hsbc-cashback","issuer_id":"bank-hsbc","name_zh":"滙豐現金回饋御璽卡","product_type":"credit","networks":[],"card_level_zh":"御璽","tags":["cashback","overseas"],"card_page_url":"https://www.hsbc.com.tw/credit-cards/products/cashback-signature/","apply_url":"https://www.hsbc.com.tw/credit-cards/products/cashback-signature/","reward":{"kind":"cash","unit_zh":"現金回饋","point_value_twd":1,"delivery_zh":"依滙豐現金回饋辦法。","expiry_zh":"官網寫回饋不歸零。","source_ids":["src-hsbc-cashback"]},"annual_fee":{"min_twd":null,"max_twd":null,"first_year_free":null,"waiver_zh":"使用電子或行動帳單終身免年費；年費金額官網卡片頁未寫。","confidence":"verified_2src","source_ids":["src-hsbc-cashback","src-lazymoney-hsbc-cashback"]},"user_tiers":[],"plans":[],"term_versions":[{"id":"hsbc-cashback@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-hsbc-cashback"],"corroborating_source_ids":["src-lazymoney-hsbc-cashback"],"notes_zh":"官網卡片頁沒有寫回饋的截止日；本站暫以 2026 年底為檢查點。海外 2.22% 不含歐盟與英國的實體通路。","rules":[{"id":"base","label_zh":"國內一般消費","scope":"general_domestic","rate_bp":122,"incremental":false,"cap_period":"none"},{"id":"base-ovs","label_zh":"海外一般消費","scope":"general_overseas","rate_bp":222,"incremental":false,"cap_period":"none","conditions_zh":"歐盟及英國實體通路不適用 2.22%。"}],"exclusions":[{"id":"x-eu-uk-physical","label_zh":"歐盟及英國實體通路（海外 2.22% 不適用）","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"],"physical_only":true,"source_id":"src-hsbc-cashback"},{"id":"x-tax","label_zh":"稅款等非一般消費（依滙豐辦法）","category_ids":["tax"],"source_id":"src-hsbc-cashback"}]}]},"current_version_id":"hsbc-cashback@2026","issuer":{"id":"bank-hsbc","name_zh":"滙豐（台灣）商業銀行"},"promos":[],"sources":[{"id":"src-hsbc-cashback","url":"https://www.hsbc.com.tw/credit-cards/products/cashback-signature/","title_zh":"現金回饋御璽卡 卡片頁","publisher":"滙豐（台灣）","kind":"official","fetched_at":"2026-10-19T19:45+08:00","sha256":"14809d12b31e38af506d19c2a464fd9b32a0936672b9533f3df8674118b7373d"},{"id":"src-lazymoney-hsbc-cashback","url":"https://lazymoney.tw/credit-cards/card/hsbc-cashback","title_zh":"滙豐現金回饋御璽卡","publisher":"卡蹭","kind":"secondary","fetched_at":"2026-10-19T19:45+08:00","sha256":"b71fceca71758f542d0b3c88861994320107a1e727cd8aa074020378e522a49e"}]}