{"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":"kgi-cashback","issuer_id":"bank-kgi","name_zh":"凱基現金回饋卡","product_type":"credit","networks":[],"card_level_zh":"現金回饋卡","tags":["cashback","overseas"],"card_page_url":"https://www.kgibank.com.tw/zh-tw/personal/credit-card/list/cash-back-card","apply_url":"https://www.kgibank.com.tw/zh-tw/personal/credit-card/list/cash-back-card","reward":{"kind":"card_credit","unit_zh":"刷卡金","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-kgi-cashback-page"]},"annual_fee":{"min_twd":0,"max_twd":3000,"first_year_free":true,"waiver_zh":"正卡 3,000 元、附卡 1,500 元；首年免年費，年度消費 6 次或申辦電子帳單並持續使用即免次年年費","confidence":"official_only","source_ids":["src-kgi-cashback-page"]},"user_tiers":[],"plans":[],"term_versions":[{"id":"kgi-cashback@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-kgi-cashback-page"],"corroborating_source_ids":["src-cardli-kgi-cashback"],"notes_zh":"刷卡金折抵次期消費。第二來源＝Cardli 卡利整理頁（第三方）。","rules":[{"id":"base","label_zh":"國內一般消費 0.7% 刷卡金（無上限）","scope":"general_domestic","rate_bp":70,"incremental":false,"cap_period":"none"},{"id":"base-ovs","label_zh":"國外消費（含國外網站）2% 刷卡金（無上限）","scope":"general_overseas","rate_bp":200,"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-kgi-cashback-page"}]}]},"current_version_id":"kgi-cashback@2026q4","issuer":{"id":"bank-kgi","name_zh":"凱基商業銀行"},"promos":[],"sources":[{"id":"src-kgi-cashback-page","url":"https://www.kgibank.com.tw/zh-tw/personal/credit-card/list/cash-back-card","title_zh":"凱基現金回饋卡 卡片頁","publisher":"凱基商業銀行","kind":"official","fetched_at":"2026-10-19T23:11+08:00","sha256":"819a2e8ed894a9e4e80c1006e745abea7e7bb79cbcbe32f8892b547b53cd1738"},{"id":"src-cardli-kgi-cashback","url":"https://cardli.app/cards/kgi_cashback.html","title_zh":"Cardli：凱基現金回饋卡 回饋整理","publisher":"Cardli 卡利","kind":"secondary","fetched_at":"2026-10-19T23:13+08:00","sha256":"46782ef05695b716da1cbcb991c8c662b546239baea2399f19c9a85dafdb1349"}]}