{"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-mysense","issuer_id":"bank-tcbbank","name_zh":"台中銀行 MySense 悠遊御璽卡","product_type":"credit","networks":["visa"],"card_level_zh":"Visa 御璽卡（悠遊）","tags":["cashback","overseas","streaming","delivery"],"card_page_url":"https://www.tcbbank.com.tw/CreditCard/J_Credit_MySense_01.html","apply_url":"https://www.tcbbank.com.tw/CreditCard/J_Credit_MySense_01.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-mysense-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-mysense-page"]},"user_tiers":[],"plans":[],"term_versions":[{"id":"tcbbank-mysense@2026q4","period_kind":"custom","period_label":"2026/1/6–2027/1/5（帳單週期）","valid_from":"2026-01-06","valid_to":"2027-01-05","next_period_announced":false,"status":"active","recorded_at":"2026-10-19","verified_at":"2026-10-19","confidence":"verified_2src","source_ids":["src-tcbbank-mysense-page"],"corroborating_source_ids":["src-cardli-tcbbank-mysense"],"notes_zh":"國內一般消費沒有回饋（本卡沒有紅利點數）。指定通路活動期間 115/1/6–116/1/5（依帳單週期）；國外 1.5% 寫 115/1/1–12/31。LINE TAXI 與指定通路每月每戶合計最高 400 元；正附卡合併計算。愛買滿額送抵用券等權益未建。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-ovs","label_zh":"國外消費 1.5% 現金回饋（無上限，2026/1/1–12/31）","scope":"general_overseas","rate_bp":150,"incremental":false,"cap_period":"none"},{"id":"taxi","label_zh":"LINE TAXI（LINE GO）20% 現金回饋","scope":"merchant","merchant_ids":["line-go"],"rate_bp":2000,"incremental":false,"min_monthly_spend_twd":2000,"cap_amount_twd":100,"cap_period":"statement","cap_scope":"tz-ms-taxi","conditions_zh":"當期帳單其他一般消費（不含自動加值與指定通路）滿 NT$2,000；限以信用卡付款；每月每戶上限 100 元。"},{"id":"sel","label_zh":"指定通路 10% 現金回饋（高鐵、外送、串流影音）","scope":"merchant","merchant_ids":["thsr","uber-eats","foodpanda","netflix","spotify","disney-plus"],"domestic_only":true,"rate_bp":1000,"incremental":false,"min_monthly_spend_twd":2000,"cap_amount_twd":300,"cap_period":"statement","cap_scope":"tz-ms-sel","conditions_zh":"當期帳單其他一般消費滿 NT$2,000；高鐵不含用悠遊卡購票；以帳單明細顯示的通路名稱認定。愛奇藝、KKBOX 也在名單內（本站沒有這兩個商店）。每月每戶上限 300 元。"},{"id":"sel-pay","label_zh":"LINE Pay、街口支付 10% 現金回饋（與指定通路合併上限）","scope":"wallet","domestic_only":true,"payment_methods":["line_pay","jkopay"],"rate_bp":1000,"incremental":false,"min_monthly_spend_twd":2000,"cap_amount_twd":300,"cap_period":"statement","cap_scope":"tz-ms-sel","conditions_zh":"當期帳單其他一般消費滿 NT$2,000；與指定通路共用每月 300 元上限。全聯悠遊自動加值（單次 500 或 1,000 元）也算指定通路，本站未建。"}],"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-mysense-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-mysense-page"}]}]},"current_version_id":"tcbbank-mysense@2026q4","issuer":{"id":"bank-tcbbank","name_zh":"台中商業銀行"},"promos":[],"sources":[{"id":"src-tcbbank-mysense-page","url":"https://www.tcbbank.com.tw/CreditCard/J_Credit_MySense_01.html","title_zh":"台中銀行 MySense 悠遊御璽卡 卡片頁（瀏覽器存檔，內容為圖片）","publisher":"台中商業銀行","kind":"official","fetched_at":"2026-10-19T22:38:27+08:00","sha256":"2645034582d522dedf69c3dc66285da4dd526d90afc7d86edf3c1a71fc50db41"},{"id":"src-cardli-tcbbank-mysense","url":"https://cardli.app/cards/tcbbank_mysense_visa.html","title_zh":"Cardli：台中銀行 MySense 悠遊御璽卡 回饋整理","publisher":"Cardli 卡利","kind":"secondary","fetched_at":"2026-10-19T23:04+08:00","sha256":"feb61b191a41b26258ce9c23e099f613d47c7aa6cbd4cca7bc38943ce31d2527"}]}