{"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-dual-currency","issuer_id":"bank-sinopac","name_zh":"永豐 幣倍卡","product_type":"credit","networks":["mastercard"],"card_level_zh":"雙幣卡","tags":["cashback","overseas","dual_currency"],"card_page_url":"https://bank.sinopac.com/sinopacBT/personal/credit-card/introduction/bankcard/dual-currency-card.html","apply_url":"https://bank.sinopac.com/sinopacBT/personal/credit-card/introduction/bankcard/dual-currency-card.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-dual-currency-page","src-lazymoney-sinopac-dual-currency"]},"annual_fee":{"min_twd":0,"max_twd":3000,"first_year_free":true,"waiver_zh":"首年免年費；申請電子帳單並取消實體帳單期間免年費；或前 12 個月消費滿 3.6 萬元或 12 次免次年年費（第二來源）","confidence":"single_secondary","source_ids":["src-lazymoney-sinopac-dual-currency"]},"user_tiers":[],"plans":[],"term_versions":[{"id":"sinopac-dual-currency@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-sinopac-dual-currency-page"],"corroborating_source_ids":["src-lazymoney-sinopac-dual-currency"],"notes_zh":"國內外一般消費回饋無上限；國外回饋金存入永豐外幣帳戶。精選通路加碼 4%（每期上限 800 元，須自扣＋電子帳單，且永豐資產 10 萬或大戶等級）與新戶指定行動支付加碼，未建成規則。外幣卡以約定外幣結付。","rules":[{"id":"base","label_zh":"國內一般消費 1%","scope":"general_domestic","rate_bp":100,"incremental":false,"cap_period":"none"},{"id":"base-ovs","label_zh":"國外一般消費 2%（回饋存入外幣帳戶）","scope":"general_overseas","rate_bp":200,"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-sinopac-dual-currency-page"}]}]},"current_version_id":"sinopac-dual-currency@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-dual-currency-page","url":"https://bank.sinopac.com/sinopacBT/personal/credit-card/introduction/bankcard/dual-currency-card.html","title_zh":"永豐 幣倍卡 卡片頁","publisher":"永豐銀行","kind":"official","fetched_at":"2026-10-19T21:23+08:00","sha256":"0f0e0d4227544e1e90b1c7c498c5533512c81bb441538fac0316e7b315a11966"},{"id":"src-lazymoney-sinopac-dual-currency","url":"https://lazymoney.tw/credit-cards/card/sino-due-currency","title_zh":"永豐 幣倍卡","publisher":"卡蹭","kind":"secondary","fetched_at":"2026-10-19T21:23+08:00","sha256":"70bf7846ed51f27b6ac59c4a66a2a6c4dc1b9265578abe45d9d39537e3bbcf85"}]}