{"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","issuer_id":"bank-sinopac","name_zh":"永豐 DAWHO 現金回饋信用卡","product_type":"credit","networks":["visa"],"card_level_zh":"VISA 商務御璽（附悠遊卡功能）","tags":["cashback","tiered","digital_account"],"card_page_url":"https://bank.sinopac.com/sinopacBT/personal/credit-card/introduction/bankcard/DAWHO.html","apply_url":"https://bank.sinopac.com/sinopacBT/personal/credit-card/introduction/bankcard/DAWHO.html","requires_zh":"須先有永豐 DAWHO 數位存款帳戶；不提供附卡。","reward":{"kind":"cash","unit_zh":"現金（存入 DAWHO 帳戶）","point_value_twd":1,"delivery_zh":"依前期帳單已入帳的消費計算，結帳日次月第一個營業日存入 DAWHO 新臺幣帳戶。","expiry_zh":"現金，無效期。","source_ids":["src-sinopac-dawho-card"]},"annual_fee":{"min_twd":3000,"max_twd":3000,"first_year_free":true,"waiver_zh":"首年免年費；使用電子或行動帳單（取消實體帳單）期間免年費；或前 12 個月累計消費滿 NT$150,000 或消費 12 次，免次年年費。","confidence":"verified_2src","source_ids":["src-sinopac-dawho-card","src-pokem-dawho"]},"user_tiers":[{"key":"dada","name_zh":"大大","condition_zh":"預設等級。"},{"key":"dahu","name_zh":"大戶","condition_zh":"當月平均財富 30 萬元以上；或單筆台幣換外幣 5,000 元以上；或以 DAWHO 帳戶作為信貸扣款帳戶（任一，次月生效）。下半年新成為 DAWHO 網銀會員者，到次月底前享大戶等級。"},{"key":"plus","name_zh":"大戶Plus","condition_zh":"當月平均財富 100 萬元以上，且（單筆台幣換外幣 5,000 元以上，或以永豐金證券交割帳戶完成台股交易）。"}],"plans":[],"tasks":[{"key":"dawho_task","name_zh":"指定任務","condition_zh":"設定 DAWHO 帳戶自動扣繳信用卡款並扣款成功，且使用電子或行動帳單並取消實體帳單；兩項都要達成。"}],"term_versions":[{"id":"sinopac-dawho@2026H2","period_kind":"half_year","period_label":"2026H2","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-card","src-dawho-card","src-dawho-2026h2","src-dawho-level"],"corroborating_source_ids":["src-pokem-dawho"],"notes_zh":"分期交易不給基本回饋與加碼。海外回饋限交易國別不在台澎金馬且以外幣結帳；國外刷新臺幣（DCC）、國外訂房網站刷新臺幣、機上消費、國別空白的交易都不算。","rules":[{"id":"base-dom","label_zh":"國內一般消費","scope":"general_domestic","rate_bp":100,"incremental":false,"cap_amount_twd":null,"cap_period":"none"},{"id":"base-ovs","label_zh":"國外一般消費（外幣）","scope":"general_overseas","currency_rule":"foreign_only","rate_bp":200,"incremental":false,"cap_amount_twd":null,"cap_period":"none"},{"id":"task-dahu-dom","label_zh":"大戶 指定任務加碼（國內）","scope":"general_domestic","exclude_category_ids":["insurance"],"user_tier":"dahu","requires_task":"dawho_task","rate_bp":250,"incremental":true,"cap_amount_twd":400,"cap_period":"statement","cap_scope":"dawho-task","conditions_zh":"不含保費代繳"},{"id":"task-dahu-ovs","label_zh":"大戶 指定任務加碼（國外）","scope":"general_overseas","exclude_category_ids":["insurance"],"currency_rule":"foreign_only","user_tier":"dahu","requires_task":"dawho_task","rate_bp":250,"incremental":true,"cap_amount_twd":400,"cap_period":"statement","cap_scope":"dawho-task"},{"id":"task-plus-dom","label_zh":"大戶Plus 指定任務加碼（國內）","scope":"general_domestic","exclude_category_ids":["insurance"],"user_tier":"plus","requires_task":"dawho_task","rate_bp":400,"incremental":true,"cap_amount_twd":1000,"cap_period":"statement","cap_scope":"dawho-task","conditions_zh":"不含保費代繳"},{"id":"task-plus-ovs","label_zh":"大戶Plus 指定任務加碼（國外）","scope":"general_overseas","exclude_category_ids":["insurance"],"currency_rule":"foreign_only","user_tier":"plus","requires_task":"dawho_task","rate_bp":400,"incremental":true,"cap_amount_twd":1000,"cap_period":"statement","cap_scope":"dawho-task"},{"id":"easycard-dahu","label_zh":"大戶 悠遊卡自動加值","scope":"wallet","payment_methods":["easycard_autoload"],"user_tier":"dahu","requires_task":"dawho_task","rate_bp":300,"incremental":false,"cap_amount_twd":100,"cap_period":"statement","override_exclusions":["x-stored-value","x-convenience","x-pxmart","x-micropay","x-parking"],"conditions_zh":"依前月帳單的悠遊卡自動加值金額計算；不另給基本回饋。用悠遊卡付款的店家（超商、捷運等）就是靠這條拿回饋。"},{"id":"easycard-plus","label_zh":"大戶Plus 悠遊卡自動加值","scope":"wallet","payment_methods":["easycard_autoload"],"user_tier":"plus","requires_task":"dawho_task","rate_bp":500,"incremental":false,"cap_amount_twd":500,"cap_period":"statement","override_exclusions":["x-stored-value","x-convenience","x-pxmart","x-micropay","x-parking"],"conditions_zh":"依前月帳單的悠遊卡自動加值金額計算；不另給基本回饋。"}],"exclusions":[{"id":"x-tax","label_zh":"稅款、規費、罰款","category_ids":["tax"],"source_id":"src-sinopac-general-def"},{"id":"x-utilities","label_zh":"公共事業費用（水電瓦斯等）","category_ids":["utilities"],"source_id":"src-sinopac-general-def"},{"id":"x-tuition","label_zh":"學費","category_ids":["tuition"],"source_id":"src-sinopac-general-def"},{"id":"x-medical","label_zh":"醫療費","category_ids":["medical"],"source_id":"src-sinopac-general-def"},{"id":"x-parking","label_zh":"停車場、eTag 儲值與智慧停車","category_ids":["parking"],"source_id":"src-sinopac-general-def"},{"id":"x-micropay","label_zh":"聯合信用卡中心小額支付特店（停車場、連鎖速食、手搖飲等）","micropay":true,"source_id":"src-sinopac-general-def"},{"id":"x-pxmart","label_zh":"全聯、大全聯（含 PX Pay、全支付）","merchant_ids":["pxmart","px-mart-large"],"source_id":"src-sinopac-general-def"},{"id":"x-convenience","label_zh":"連鎖便利商店（實體與線上）","category_ids":["convenience"],"source_id":"src-sinopac-general-def"},{"id":"x-stored-value","label_zh":"信用卡自動儲值金","payment_methods":["easycard_autoload"],"source_id":"src-sinopac-general-def"},{"id":"x-insurance-some","label_zh":"富邦人壽、三商美邦人壽及特定專案保費","note_only":true,"source_id":"src-sinopac-general-def"},{"id":"x-payment-platforms","label_zh":"透過繳費平台（i繳費、e-Bill、醫指付等）繳的費用","note_only":true,"source_id":"src-sinopac-general-def"},{"id":"x-installment","label_zh":"分期交易","note_only":true,"source_id":"src-sinopac-general-def"},{"id":"x-offshore-invest","label_zh":"境外投資與匯款平台（Binance、eToro、Wise、Revolut 等）","note_only":true,"source_id":"src-sinopac-general-def"}]}]},"current_version_id":"sinopac-dawho@2026H2","issuer":{"id":"bank-sinopac","name_zh":"永豐商業銀行"},"promos":["sinopac-dawho-new-2026h2","sinopac-monthly-super-pay-2026q4","sinopac-wowprime-monday-2026q4"],"sources":[{"id":"src-sinopac-dawho-card","url":"https://bank.sinopac.com/sinopacBT/personal/credit-card/introduction/bankcard/DAWHO.html","title_zh":"DAWHO 現金回饋信用卡 卡片頁","publisher":"永豐銀行","kind":"official","fetched_at":"2026-10-19T19:11+08:00","sha256":"d6a39e3c4cd700d471d0624b465750fd86c4b311c70850a61107fcb0893df474"},{"id":"src-pokem-dawho","url":"https://pokem.tw/sinopac-dawho-2026h2-intro/","title_zh":"永豐 DAWHO 2026 下半年權益","publisher":"寶可孟的理財記事本","kind":"secondary","fetched_at":"2026-10-19T19:11+08:00","sha256":"ee9b8fd6554867733c87fa6b4b6d935c54b3ae73bf10bb18a69b6013f11fe907"},{"id":"src-dawho-card","url":"https://dawho.tw/about/card/","title_zh":"DAWHO 信用卡權益","publisher":"永豐銀行 DAWHO","kind":"official","fetched_at":"2026-10-19T19:11+08:00","sha256":"10b049ab7cf6a9fbb84542c3f9f0dfe7cd2eafc78fcadfbbdfef33c62955c058"},{"id":"src-dawho-2026h2","url":"https://dawho.tw/hot/2026h2offer/","title_zh":"DAWHO 2026 下半年優惠","publisher":"永豐銀行 DAWHO","kind":"official","fetched_at":"2026-10-19T19:11+08:00","sha256":"9c51734f5ff27e28965f97b2af436af92187e3561f67972ca863caefadc0ce98"},{"id":"src-dawho-level","url":"https://dawho.tw/about/dawholevel/","title_zh":"DAWHO 等級制度","publisher":"永豐銀行 DAWHO","kind":"official","fetched_at":"2026-10-19T19:11+08:00","sha256":"3049fff9932288130862785f2f51504fde56d1c267cb4cb5032643aa9355c50b"}]}