{"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":"skbank-skm","issuer_id":"bank-skbank","name_zh":"新光 新光三越聯名卡","product_type":"credit","networks":["visa"],"card_level_zh":"VISA 御璽卡","tags":["points","department"],"card_page_url":"https://www.skbank.com.tw/credit_card/credit_card/104","apply_url":"https://www.skbank.com.tw/credit_card/credit_card/104","applications_end":"2026-10-30","reward":{"kind":"points","unit_zh":"新光紅利點數","point_value_twd":0.06,"point_value_note_zh":"官方只公布館內折抵比率：每 1,000 點折 60 元（每點 0.06 元）；館外兌換價值未公布。","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-skbank-skm-page","src-lazymoney-skbank-skm"]},"annual_fee":{"min_twd":0,"max_twd":2000,"first_year_free":true,"waiver_zh":"核卡起前三年免年費；第四年起正卡 2,000、附卡 1,000 元，前一年度正附卡合計消費滿 2 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