{"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":"tcb-coop-tn3","issuer_id":"bank-tcb","name_zh":"合庫 臺南第三信用合作社聯名卡","product_type":"credit","networks":["mastercard"],"card_level_zh":"鈦金一卡通卡","tags":["cashback","ipass"],"card_page_url":"https://www.tcb-bank.com.tw/personal-banking/credit-card/intro/overview/cooperative16","apply_url":"https://www.tcb-bank.com.tw/personal-banking/credit-card/intro/overview/cooperative16","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-tcb-coop-tn3-page"]},"annual_fee":{"min_twd":0,"max_twd":1200,"first_year_free":null,"waiver_zh":"正卡 1,200、附卡 600 元；年度刷卡 1 次即免次年年費；申辦電子帳單期間免年費（取消電子帳單即恢復計收）","confidence":"conflict","source_ids":["src-tcb-coop-tn3-page","src-tcb-rate-fee"]},"user_tiers":[],"plans":[],"term_versions":[{"id":"tcb-coop-tn3@2026q4","period_kind":"custom","period_label":"常態權益（官網未寫期限）","valid_from":"2026-10-19","valid_to":null,"next_period_announced":false,"status":"active","recorded_at":"2026-10-19","verified_at":"2026-10-19","confidence":"official_x2","source_ids":["src-tcb-coop-tn3-page"],"corroborating_source_ids":["src-tcb-cashback-terms"],"conflicts":[{"field":"annual_fee","zh":"卡片頁寫鈦金悠遊卡正卡 1,200、附卡 600 元、年度刷卡 1 次免次年年費；合庫費率表的「鈦金卡」寫 1,800 元。","adopted":"卡片頁：1,200 元"}],"notes_zh":"回饋卡片頁沒寫期限（常態權益），本站記錄為 2026/10/19 起、無結束日。第二份官方文件＝合庫「現金回饋說明」頁，印證一般消費排除項目與回饋入帳方式（回饋率本身只在卡片頁）。","rules":[{"id":"base","label_zh":"國內一般消費 0.5% 現金回饋（無上限）","scope":"general_domestic","rate_bp":50,"incremental":false,"cap_period":"none"},{"id":"base-ovs","label_zh":"國外一般消費 1.5% 現金回饋（無上限）","scope":"general_overseas","rate_bp":150,"incremental":false,"cap_period":"none"}],"exclusions":[{"id":"x-tax","label_zh":"稅款、規費、學雜費等繳費不回饋","category_ids":["tax","tuition"],"source_id":"src-tcb-cashback-terms"},{"id":"x-util","label_zh":"公用事業費用代扣繳不回饋","category_ids":["utilities"],"source_id":"src-tcb-cashback-terms"},{"id":"x-sv","label_zh":"儲值、加值不回饋","category_ids":["stored_value"],"source_id":"src-tcb-cashback-terms"},{"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-tcb-coop-tn3-page"}]}]},"current_version_id":"tcb-coop-tn3@2026q4","issuer":{"id":"bank-tcb","name_zh":"合作金庫商業銀行"},"promos":[],"sources":[{"id":"src-tcb-coop-tn3-page","url":"https://www.tcb-bank.com.tw/personal-banking/credit-card/intro/overview/cooperative16","title_zh":"合庫 臺南第三信用合作社聯名卡 卡片頁","publisher":"合作金庫銀行","kind":"official","fetched_at":"2026-10-19T22:05+08:00","sha256":"c2eb96c803e9353882bfc0ce3b8cb1bf43f5cde2ddc7859455727016a5d85f79"},{"id":"src-tcb-rate-fee","url":"https://www.tcb-bank.com.tw/personal-banking/credit-card/services/card-rate-fee","title_zh":"合庫信用卡 費率表（各卡年費）","publisher":"合作金庫銀行","kind":"official","fetched_at":"2026-10-19T22:07+08:00","sha256":"818968d8f9f6dc72c9a32381b20baf0bfef8e7e4cd32a0ed1dc1dc6b2f7bda0a"},{"id":"src-tcb-cashback-terms","url":"https://www.tcb-bank.com.tw/personal-banking/credit-card/interests/cashback","title_zh":"合庫信用卡 現金回饋說明（一般消費定義與入帳方式）","publisher":"合作金庫銀行","kind":"official","fetched_at":"2026-10-19T22:07+08:00","sha256":"2659a6cfa1d1217fa0f786945504b85fcb155b6e0f60590d673e52fae1dec03b"}]}