{"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-dawho-debit","issuer_id":"bank-sinopac","name_zh":"永豐 DAWHO 現金回饋 Debit 卡","product_type":"debit","networks":["mastercard"],"card_level_zh":"多幣簽帳金融卡（12 種外幣；附悠遊卡功能）","tags":["cashback","debit","digital_account","overseas"],"card_page_url":"https://bank.sinopac.com/sinopacbt/personal/credit-card/introduction/debit/dawhodebit.html","apply_url":"https://dawho.tw/about/debitcard/","requires_zh":"須有永豐 DAWHO 數位存款帳戶；多幣別功能須在開戶申請時開啟（2021/9/1 起新申辦者）。","reward":{"kind":"cash","unit_zh":"現金（存入 Debit 卡連結的存款帳戶；外幣消費回饋存入對應外幣帳戶）","point_value_twd":1,"delivery_zh":"當月交易次月回饋，每月 6 日（遇假日順延）存入連結帳戶；帳戶狀態異常導致存入失敗時喪失該次回饋。","expiry_zh":"現金，無效期。","source_ids":["src-sinopac-dawho-debit"]},"annual_fee":{"min_twd":0,"max_twd":0,"first_year_free":true,"waiver_zh":"官網寫「終身免年費」。","confidence":"verified_2src","source_ids":["src-sinopac-dawho-debit","src-dawho-debit"]},"user_tiers":[{"key":"general","name_zh":"一般","condition_zh":"預設。"},{"key":"new_member","name_zh":"新會員（當月為大戶或大戶 Plus）","condition_zh":"2026/7/1–12/31 期間成為 DAWHO 網銀會員，且當月分級為大戶或大戶 Plus。"}],"plans":[{"key":"duo","name_zh":"開啟多幣別功能","summary_zh":"用 12 種指定外幣刷卡並從同幣別外幣帳戶扣款成功，外幣消費合計最高 2.5%。"},{"key":"twd","name_zh":"只用新臺幣帳戶扣款","summary_zh":"國外消費 1.5%，並依公告收國外交易服務費。"}],"term_versions":[{"id":"sinopac-dawho-debit@2026h2","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-sinopac-dawho-debit","src-dawho-debit"],"corroborating_source_ids":["src-money101-debit-2026","src-jerryinvest-debit"],"notes_zh":"國外消費只算「商店國別非臺灣且幣別非新臺幣」的交易，不含動態貨幣轉換、國別空白的網路交易、機上消費。外幣帳戶扣款成功時，官網沒有寫會另收國外交易服務費；本站仍以一般估算扣除，實際可能更好。","rules":[{"id":"dom","label_zh":"國內一般消費","scope":"general_domestic","rate_bp":60,"incremental":false,"cap_period":"none"},{"id":"insurance","label_zh":"保費代繳（MCC 6300）","scope":"category","category_ids":["insurance"],"rate_bp":110,"incremental":false,"cap_period":"none","conditions_zh":"以收單機構登記的保險類代碼判斷；三商美邦限傳統壽險。"},{"id":"ovs","label_zh":"國外一般消費（外幣交易）","scope":"general_overseas","rate_bp":150,"incremental":false,"cap_period":"none"},{"id":"duo-plus","label_zh":"多幣卡 12 種外幣從外幣帳戶扣款 加碼","scope":"general_overseas","plan_key":"duo","rate_bp":100,"incremental":true,"cap_period":"none","conditions_zh":"卡號前 6 碼 536268 且已啟用多幣別；外幣餘額不足改由新臺幣扣款時沒有加碼。保費不算。"},{"id":"new-member","label_zh":"新會員 國內一般消費加碼","scope":"general_domestic","user_tier":"new_member","rate_bp":940,"incremental":true,"cap_amount_twd":300,"cap_period":"month","conditions_zh":"以入帳日認列當月額度。"}],"exclusions":[{"id":"x-offshore","label_zh":"幣安、eToro 等加密貨幣或境外投資、匯款平台","note_only":true,"source_id":"src-dawho-debit"},{"id":"x-general-def","label_zh":"其他依永豐「一般消費定義」不回饋的項目（官網另頁公告，本站未逐項收錄）","note_only":true,"source_id":"src-sinopac-dawho-debit"}]}]},"current_version_id":"sinopac-dawho-debit@2026h2","issuer":{"id":"bank-sinopac","name_zh":"永豐商業銀行"},"promos":[],"sources":[{"id":"src-sinopac-dawho-debit","url":"https://bank.sinopac.com/sinopacbt/personal/credit-card/introduction/debit/dawhodebit.html","title_zh":"DAWHO 現金回饋 Debit 卡 卡片頁","publisher":"永豐銀行","kind":"official","fetched_at":"2026-10-19T20:11+08:00","sha256":"14566fdf6fc743f23b01410f63aa708a119960339e6ff31fadc4d22067735fb9"},{"id":"src-dawho-debit","url":"https://dawho.tw/about/debitcard/","title_zh":"DAWHO Debit 卡介紹","publisher":"永豐銀行 DAWHO","kind":"official","fetched_at":"2026-10-19T20:11+08:00","sha256":"19c4458eba4239de8fe7cee4feb7cf3b20b67df4190bc856a7ea5d4f5199a3b2"},{"id":"src-money101-debit-2026","url":"https://www.money101.com.tw/blog/%E7%8F%BE%E9%87%91%E5%9B%9E%E9%A5%8B-%E7%B0%BD%E5%B8%B3%E9%87%91%E8%9E%8D%E5%8D%A1-%E6%87%B6%E4%BA%BA%E5%8C%85-%E9%8A%80%E8%A1%8C%E9%87%91%E8%9E%8D%E5%8D%A1-%E6%B5%B7%E5%A4%96%E5%88%B7%E5%8D%A1-debit","title_zh":"2026 簽帳金融卡推薦","publisher":"Money101","kind":"secondary","fetched_at":"2026-10-19T20:11+08:00","sha256":"66ccb39581f9c59cf82c9516e08d9343ffac0f3b53a86769ca7770d21038c74e"},{"id":"src-jerryinvest-debit","url":"https://jerryinvest.com/debit-card-recommend/","title_zh":"學生簽帳金融卡推薦 2026","publisher":"Jerry 成長駭客","kind":"secondary","fetched_at":"2026-10-19T20:11+08:00","sha256":"689013a2da6fc58d3f1fb16547eac3ca41ffebac2e50ae1d5aa1598cadc6ef2d"}]}