{"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-next-bank","issuer_id":"bank-mega","name_zh":"兆豐 將來銀行聯名卡","product_type":"credit","networks":["mastercard"],"card_level_zh":"Mastercard 卡","tags":["cashback","no_annual_fee"],"card_page_url":"https://www.megabank.com.tw/personal/credit-card/card/overview/next-bank","apply_url":"https://www.megabank.com.tw/personal/credit-card/card/overview/next-bank","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-next-bank-page","src-lazymoney-mega-next-bank"]},"annual_fee":{"min_twd":0,"max_twd":0,"first_year_free":null,"waiver_zh":"持卡期間免年費（第二來源）","confidence":"single_secondary","source_ids":["src-lazymoney-mega-next-bank"]},"user_tiers":[],"plans":[],"term_versions":[{"id":"mega-next-bank@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-mega-next-bank-page"],"corroborating_source_ids":["src-lazymoney-mega-next-bank"],"notes_zh":"官網：無消費門檻、無通路限制、無回饋上限。新戶核卡 6 個月內帳戶自扣成功後，外送／影音／遊戲／共享租車平台加碼 10%（每期上限 200 元）是新戶限定，未建成規則。","rules":[{"id":"base","label_zh":"新增一般消費 1% 現金回饋（無上限）","scope":"general_domestic","rate_bp":100,"incremental":false,"cap_period":"none"},{"id":"base-ovs","label_zh":"國外一般消費 1% 現金回饋（屬新增一般消費）","scope":"general_overseas","rate_bp":100,"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-mega-next-bank-page"}]}]},"current_version_id":"mega-next-bank@2026q4","issuer":{"id":"bank-mega","name_zh":"兆豐國際商業銀行"},"promos":[],"sources":[{"id":"src-mega-next-bank-page","url":"https://www.megabank.com.tw/personal/credit-card/card/overview/next-bank","title_zh":"兆豐 將來銀行聯名卡 卡片頁","publisher":"兆豐銀行","kind":"official","fetched_at":"2026-10-19T21:40+08:00","sha256":"3a78e60c2885fd053ea627e919662312b4ad28b861a845ed8c308f9611c788df"},{"id":"src-lazymoney-mega-next-bank","url":"https://lazymoney.tw/credit-cards/card/mega-next-bank","title_zh":"兆豐 將來銀行聯名卡","publisher":"卡蹭","kind":"secondary","fetched_at":"2026-10-19T21:40+08:00","sha256":"62c4db702d9a75cd5dc68de0639f23ac9a679273de8515620b18b9826a87a500"}]}