{"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":"tcbbank-jcb-cashback","issuer_id":"bank-tcbbank","name_zh":"台中銀行 JCB 現金回饋晶緻卡","product_type":"credit","networks":["jcb"],"card_level_zh":"JCB 晶緻卡","tags":["cashback","overseas","japan"],"card_page_url":"https://www.tcbbank.com.tw/CreditCard/J_Credit_JCBFeedba.html","apply_url":"https://www.tcbbank.com.tw/CreditCard/J_Credit_JCBFeedba.html","reward":{"kind":"card_credit","unit_zh":"刷卡金","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-tcbbank-jcb-cashback-page"]},"annual_fee":{"min_twd":0,"max_twd":1200,"first_year_free":true,"waiver_zh":"首年免年費、附卡免年費；申辦電子帳單或行動帳單期間免年費；或年度消費 1 次（不限金額）免次年年費（次年年費 1,200 元）","confidence":"official_only","source_ids":["src-tcbbank-jcb-cashback-page"]},"user_tiers":[],"plans":[],"term_versions":[{"id":"tcbbank-jcb-cashback@2026q4","period_kind":"annual","period_label":"2026/1/1–12/31","valid_from":"2026-01-01","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-tcbbank-jcb-cashback-page"],"corroborating_source_ids":["src-cardli-tcbbank-jcb-cashback"],"notes_zh":"回饋逐筆計算、小數點無條件捨去；本卡沒有紅利點數。國外消費依國際組織匯率換算入帳的新臺幣金額計算。新光影城 66 折、市區免費停車（當月一般消費滿 6,600 元）等權益未建。同系列「JCB 現金回饋悠遊晶緻卡」清單頁寫 115/1/1 起暫停新申辦，本站不另建。台中銀行官網用 curl 連不上，第二來源用 Cardli 卡利整理頁。","rules":[{"id":"base","label_zh":"國內一般消費 0.8% 現金回饋（無上限）","scope":"general_domestic","rate_bp":80,"incremental":false,"cap_period":"none"},{"id":"base-ovs","label_zh":"國外一般消費 0.8% 現金回饋（無上限）","scope":"general_overseas","rate_bp":80,"incremental":false,"cap_period":"none"},{"id":"jpkr","label_zh":"日本、韓國消費 再加 0.75%（合計 1.55%）","scope":"country","country_codes":["JP","KR"],"rate_bp":75,"incremental":true,"cap_period":"none","conditions_zh":"帳單上交易幣別為日圓或韓元、且國別不是 TW 才算。"}],"exclusions":[{"id":"x-inst","label_zh":"特店分期付款交易不算一般消費、不給回饋","note_only":true,"source_id":"src-tcbbank-jcb-cashback-page"},{"id":"x-def","label_zh":"其他排除交易依台中銀行「一般消費定義」頁（本站讀不到該頁，沒有逐項建立）","note_only":true,"source_id":"src-tcbbank-jcb-cashback-page"}]}]},"current_version_id":"tcbbank-jcb-cashback@2026q4","issuer":{"id":"bank-tcbbank","name_zh":"台中商業銀行"},"promos":[],"sources":[{"id":"src-tcbbank-jcb-cashback-page","url":"https://www.tcbbank.com.tw/CreditCard/J_Credit_JCBFeedba.html","title_zh":"台中銀行 JCB 現金回饋晶緻卡 卡片頁（瀏覽器存檔，內容為圖片）","publisher":"台中商業銀行","kind":"official","fetched_at":"2026-10-19T22:38:22+08:00","sha256":"938ab716a52f978f842d31507247e3a3f4b37cf19dd43d14537a124eddfd60cb"},{"id":"src-cardli-tcbbank-jcb-cashback","url":"https://cardli.app/cards/tcbbank_jcb_cashback_precious.html","title_zh":"Cardli：台中銀行 JCB 現金回饋晶緻卡 回饋整理","publisher":"Cardli 卡利","kind":"secondary","fetched_at":"2026-10-19T23:04+08:00","sha256":"88fcde79c4c2b5f8fd3df9b1af29264c2c46d485cb9b05cd5c0587aef708ea4f"}]}