{"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-house-loan","issuer_id":"bank-tcb","name_zh":"合庫 愛家卡","product_type":"credit","networks":["visa","mastercard"],"card_level_zh":"VISA 御璽卡／Mastercard 鈦金卡／白金卡","tags":["cashback","home","electronics"],"card_page_url":"https://www.tcb-bank.com.tw/personal-banking/credit-card/intro/overview/house-loan","apply_url":"https://www.tcb-bank.com.tw/personal-banking/credit-card/intro/overview/house-loan","requires_zh":"限合庫房貸客戶","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-house-loan-page"]},"annual_fee":{"min_twd":0,"max_twd":1800,"first_year_free":null,"waiver_zh":"VISA 御璽卡、Mastercard 鈦金卡年費 1,800 元，白金卡 1,200 元；申辦電子帳單期間免年費（取消電子帳單即恢復計收）","confidence":"official_only","source_ids":["src-tcb-house-loan-page"]},"user_tiers":[{"key":"mortgagor","name_zh":"房貸繳款中","condition_zh":"正在繳合庫房屋貸款。"},{"key":"none","name_zh":"一般","condition_zh":"房貸已繳清或無。"}],"plans":[],"term_versions":[{"id":"tcb-house-loan@2026q4","period_kind":"half_year","period_label":"2026/7/1–12/31","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":"official_x2","source_ids":["src-tcb-house-loan-page"],"corroborating_source_ids":["src-tcb-cashback-terms"],"notes_zh":"回饋期間 2026/7/1–12/31。卡片頁數字以 VISA 御璽卡為主，鈦金卡與白金卡同為 1%。第二份官方文件＝現金回饋說明頁（排除項目）。","rules":[{"id":"base","label_zh":"國內一般消費 1% 現金回饋","scope":"general_domestic","rate_bp":100,"incremental":false,"cap_period":"none"},{"id":"base-ovs","label_zh":"國外一般消費 1% 現金回饋","scope":"general_overseas","rate_bp":100,"incremental":false,"cap_period":"none"},{"id":"mortgage","label_zh":"房貸戶 一般消費再加 0.2%","scope":"general_domestic","user_tier":"mortgagor","rate_bp":20,"incremental":true,"cap_period":"none","conditions_zh":"正在繳合庫房貸的持卡人。"},{"id":"home3c","label_zh":"指定 3C、居家通路 再加 5%","scope":"category","category_ids":["electronics","home"],"rate_bp":500,"incremental":true,"min_monthly_spend_twd":2999,"cap_amount_twd":300,"cap_period":"statement","cap_scope":"tcbhl-home","conditions_zh":"限卡片頁列出的指定特店；本站用 3C、居家分類近似。當期一般消費滿 NT$2,999，每期加碼上限 300 元。"},{"id":"util","label_zh":"公用事業費用 0.2%","scope":"category","category_ids":["utilities"],"rate_bp":20,"incremental":false,"cap_amount_twd":300,"cap_period":"statement","cap_scope":"tcbhl-util","override_exclusions":["x-util"],"conditions_zh":"每期上限 300 元。"}],"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-house-loan-page"}]}]},"current_version_id":"tcb-house-loan@2026q4","issuer":{"id":"bank-tcb","name_zh":"合作金庫商業銀行"},"promos":[],"sources":[{"id":"src-tcb-house-loan-page","url":"https://www.tcb-bank.com.tw/personal-banking/credit-card/intro/overview/house-loan","title_zh":"合庫 愛家卡 卡片頁","publisher":"合作金庫銀行","kind":"official","fetched_at":"2026-10-19T22:05+08:00","sha256":"e40f89b91fe3ca46a773b44affa7fc85601a24a6c1f36d5338ff842a9474ff05"},{"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"}]}