{"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":"sinopac-braille","issuer_id":"bank-sinopac","name_zh":"永豐點字金融信用卡","product_type":"credit","networks":[],"card_level_zh":"金融信用卡","tags":["cashback","insurance"],"card_page_url":"https://bank.sinopac.com/sinopacBT/personal/credit-card/introduction/bankcard/Braillecombo.html","apply_url":"https://bank.sinopac.com/sinopacBT/personal/credit-card/introduction/bankcard/Braillecombo.html","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-sinopac-braille-page"]},"annual_fee":{"min_twd":null,"max_twd":null,"first_year_free":null,"waiver_zh":"年費金額卡片頁快照沒有讀到，本站留空","confidence":"official_only","source_ids":["src-sinopac-braille-page"]},"user_tiers":[],"plans":[],"term_versions":[{"id":"sinopac-braille@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":"official_x2","source_ids":["src-sinopac-braille-page"],"corroborating_source_ids":["src-sinopac-general-2026h2"],"notes_zh":"分期交易不給回饋。結合金融卡＋信用卡（可選加悠遊卡）。","rules":[{"id":"base","label_zh":"一般消費 0.666% 現金回饋（不限商家、不限金額、無上限）","scope":"general_domestic","rate_bp":66.6,"incremental":false,"cap_period":"none"},{"id":"base-ovs","label_zh":"國外一般消費 0.666%","scope":"general_overseas","rate_bp":66.6,"incremental":false,"cap_period":"none"},{"id":"ins","label_zh":"代扣繳壽險、產險保費 1%（無上限；不含富邦人壽、三商美邦）","scope":"category","category_ids":["insurance"],"rate_bp":100,"incremental":false,"cap_period":"none"}],"exclusions":[{"id":"x-px-cvs","label_zh":"全聯、大全聯、連鎖便利商店","category_ids":["convenience"],"merchant_ids":["pxmart","px-mart-large"],"source_id":"src-sinopac-general-2026h2"},{"id":"x-tax","label_zh":"稅款、醫療費、學費、規費、公共事業費","category_ids":["tax","medical","tuition","utilities"],"source_id":"src-sinopac-general-2026h2"},{"id":"x-stored","label_zh":"自動儲值","category_ids":["stored_value"],"source_id":"src-sinopac-general-2026h2"},{"id":"x-micro","label_zh":"聯合信用卡處理中心小額支付特約商店","micropay":true,"source_id":"src-sinopac-general-2026h2"},{"id":"x-park","label_zh":"停車場、eTag","category_ids":["parking"],"source_id":"src-sinopac-general-2026h2"},{"id":"x-note","label_zh":"富邦人壽與三商美邦保費、繳費平台、境外投資平台、分期交易等其他公告項目（本站未逐項建立）","note_only":true,"source_id":"src-sinopac-general-2026h2"}]}]},"current_version_id":"sinopac-braille@2026q4","issuer":{"id":"bank-sinopac","name_zh":"永豐商業銀行"},"promos":["sinopac-monthly-super-pay-2026q4","sinopac-wowprime-monday-2026q4"],"sources":[{"id":"src-sinopac-braille-page","url":"https://bank.sinopac.com/sinopacBT/personal/credit-card/introduction/bankcard/Braillecombo.html","title_zh":"永豐點字金融信用卡 卡片頁","publisher":"永豐商業銀行","kind":"official","fetched_at":"2026-10-19T23:11+08:00","sha256":"5efb7103edd217fc2ccb551bcd4c50dd4ed749b5baf2f557abce68c02b686ce3"},{"id":"src-sinopac-general-2026h2","url":"https://bank.sinopac.com/sinopacBT/personal/credit-card/news/20260421090303483000000000000890.html","title_zh":"永豐銀行 2026下半年一般消費定義（信用卡最新公告）","publisher":"永豐商業銀行","kind":"official","fetched_at":"2026-10-19T23:39+08:00","sha256":"2ef8f53d80d9b9fa92dc8ae5b7b0eca534c5b8dc6c2e15ccf60b10e119b1e892"}]}