{"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-young","issuer_id":"bank-mega","name_zh":"兆豐 e秒刷 悠遊／一卡通聯名卡","product_type":"credit","networks":["visa"],"card_level_zh":"鈦金卡","tags":["cashback","online"],"card_page_url":"https://www.megabank.com.tw/personal/credit-card/card/overview/young","apply_url":"https://www.megabank.com.tw/personal/credit-card/card/overview/young","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-young-page","src-lazymoney-mega-young"]},"annual_fee":{"min_twd":0,"max_twd":0,"first_year_free":false,"waiver_zh":"年費見官方（第二來源整理）","confidence":"single_secondary","source_ids":["src-lazymoney-mega-young"]},"user_tiers":[],"plans":[],"term_versions":[{"id":"mega-young@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-young-page"],"corroborating_source_ids":["src-lazymoney-mega-young"],"notes_zh":"國外非網購一般消費的回饋率未在官方頁讀到，所以沒建國外規則。新戶加碼未計入。","rules":[{"id":"base","label_zh":"非網路一般消費 0.5%","scope":"general_domestic","rate_bp":50,"incremental":false,"cap_period":"none"},{"id":"online","label_zh":"網路購物 2.5%","scope":"category","category_ids":["online"],"rate_bp":250,"incremental":false,"cap_amount_twd":200,"cap_period":"statement","cap_scope":"megayoung-online","conditions_zh":"國內外網購（含串流、AI 服務、乘車 App）不限金額 2.5%，每期上限 200 元；電子帳單＋自扣再加 0.5%（未計入）。"}],"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-young-page"}]}]},"current_version_id":"mega-young@2026q4","issuer":{"id":"bank-mega","name_zh":"兆豐國際商業銀行"},"promos":[],"sources":[{"id":"src-mega-young-page","url":"https://www.megabank.com.tw/personal/credit-card/card/overview/young","title_zh":"兆豐 e秒刷 悠遊／一卡通聯名卡 卡片頁","publisher":"兆豐銀行","kind":"official","fetched_at":"2026-10-19T20:52+08:00","sha256":"14f27813f7edc0bfe25036bc6fdc56d806367aebfea00e86e19b727ccd130474"},{"id":"src-lazymoney-mega-young","url":"https://lazymoney.tw/credit-cards/card/mega-young","title_zh":"兆豐 e秒刷 悠遊／一卡通聯名卡 詳細介紹","publisher":"卡蹭 Lazy Money","kind":"secondary","fetched_at":"2026-10-19T20:52+08:00","sha256":"e37850e0cf384a60df744084b78f31b4fabe14c9f050c6615b8d51d150b19a97"}]}