{"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":"mega-lido","issuer_id":"bank-mega","name_zh":"兆豐 利多御璽卡","product_type":"credit","networks":["visa"],"card_level_zh":"御璽卡","tags":["cashback","overseas"],"card_page_url":"https://www.megabank.com.tw/personal/credit-card/card/overview/cash-rebate-biz","apply_url":"https://www.megabank.com.tw/personal/credit-card/card/overview/cash-rebate-biz","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-mega-lido-page","src-lazymoney-mega-lido"]},"annual_fee":{"min_twd":0,"max_twd":3000,"first_year_free":true,"waiver_zh":"首年免年費；次年起電子帳單期間、每卡年刷 2 次或年消費滿 3,000 元，任一即免年費","confidence":"verified_2src","source_ids":["src-mega-lido-page","src-lazymoney-mega-lido"]},"user_tiers":[],"plans":[],"tasks":[{"key":"mega_lido_ebill","name_zh":"電子帳單＋當期國內消費","condition_zh":"使用電子帳單（取消紙本，不含行動帳單），且當期帳單有國內一般消費 1 元以上。"},{"key":"mega_lido_auto","name_zh":"登錄＋電子帳單＋自扣","condition_zh":"登錄「國外消費再加碼」，並使用電子帳單與帳戶自動扣繳卡費。"}],"term_versions":[{"id":"mega-lido@2026q4","period_kind":"half_year","period_label":"2026 下半年","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":"verified_2src","source_ids":["src-mega-lido-page"],"corroborating_source_ids":["src-lazymoney-mega-lido"],"notes_zh":"回饋金抵用期限：國外與國內 0.6% 為 6 個月，網購加碼 0.4% 為 3 個月。指定 10 大行動支付最高 6%、台灣Pay 1.5% 另有登錄與上限，未建成規則。","rules":[{"id":"base","label_zh":"國內非網購一般消費 0.6%","scope":"general_domestic","rate_bp":60,"incremental":false,"cap_period":"none"},{"id":"online","label_zh":"國內網路購物 1%","scope":"category","category_ids":["online"],"domestic_only":true,"rate_bp":100,"incremental":false,"cap_period":"none","conditions_zh":"含原 0.6%；不含第三方支付（街口、LINE Pay、全支付等）與電話、授權扣款。"},{"id":"base-ovs","label_zh":"國外一般消費 2%","scope":"general_overseas","rate_bp":200,"incremental":false,"cap_period":"none"},{"id":"ovs-ebill","label_zh":"國外加碼 1%（電子帳單＋當期有國內消費）","scope":"general_overseas","requires_task":"mega_lido_ebill","rate_bp":100,"incremental":true,"cap_period":"none"},{"id":"ovs-auto","label_zh":"國外再加碼 0.1%（登錄＋電子帳單＋自扣）","scope":"general_overseas","requires_task":"mega_lido_auto","rate_bp":10,"incremental":true,"cap_amount_twd":500,"cap_period":"statement","cap_scope":"lido-01"}],"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-mega-lido-page"}]}]},"current_version_id":"mega-lido@2026q4","issuer":{"id":"bank-mega","name_zh":"兆豐國際商業銀行"},"promos":[],"sources":[{"id":"src-mega-lido-page","url":"https://www.megabank.com.tw/personal/credit-card/card/overview/cash-rebate-biz","title_zh":"兆豐 利多御璽卡 卡片頁","publisher":"兆豐銀行","kind":"official","fetched_at":"2026-10-19T21:23+08:00","sha256":"ded84397b9d8fd09759517bab515beaf98be6e09ab877fbede92567589881f16"},{"id":"src-lazymoney-mega-lido","url":"https://lazymoney.tw/credit-cards/card/mega-cash-rebate-biz","title_zh":"兆豐 利多御璽卡","publisher":"卡蹭","kind":"secondary","fetched_at":"2026-10-19T21:23+08:00","sha256":"8bd4c7fc57175046d67a51824d591d0e4f24ea3198e8f62ee0909233563a4a75"}]}