{"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":"ubot-laidian","issuer_id":"bank-ubot","name_zh":"聯邦賴點卡","product_type":"credit","networks":["visa"],"card_level_zh":"VISA 御璽卡","tags":["points","line_pay","overseas"],"card_page_url":"https://card.ubot.com.tw/CardDetail/cardDetail201","apply_url":"https://card.ubot.com.tw/CardDetail/cardDetail201","requires_zh":"要拿 LINE POINTS 回饋，須申辦電子化帳單（電子、行動或 LINE 帳單），並把卡綁定在台灣的 LINE Pay 帳號。","reward":{"kind":"partner_points","unit_zh":"LINE POINTS","point_value_twd":1,"point_value_note_zh":"1 點 LINE POINTS 折 1 元，在 LINE Pay 付款時折抵。","delivery_zh":"當月消費須在次月 13 日前入帳，次月底前回饋到正卡人綁定的 LINE Pay 帳號（第二來源）。","expiry_zh":"依 LINE POINTS 規定（未查證）。","source_ids":["src-ubot-laidian-browser","src-lazymoney-ubot-laidian"]},"annual_fee":{"min_twd":0,"max_twd":2000,"first_year_free":true,"waiver_zh":"首年免年費；第二年起電子化帳單有效、或年消費滿 6 萬元免年費，否則正卡 2,000 元、附卡 1,000 元。","confidence":"verified_2src","source_ids":["src-lazymoney-ubot-laidian","src-icard-ubot-laidian"]},"user_tiers":[],"plans":[],"term_versions":[{"id":"ubot-laidian@2026h2","period_kind":"half_year","period_label":"2026 下半年","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":"verified_2src","source_ids":["src-ubot-laidian-browser"],"corroborating_source_ids":["src-lazymoney-ubot-laidian","src-icard-ubot-laidian"],"notes_zh":"國外 3% 包含歐洲實體商店（期間限定）。偶數日 LINE Pay 指定通路加碼 5%（每 LINE Pay 帳號每月上限 150 點）有每月 100 萬點的總量，10 月已在 10/14 額滿，本站不計入。新戶 LINE Pay 加碼 4%、新戶保費加碼 1% 要另外條件，未自動計入。萊爾富 5% 現折另見聯邦萊爾富活動。官方存檔的「注意事項」段落未展開，排除項目還沒有逐條核對。年費存檔段落也是收合的，年費用兩個第二來源。","rules":[{"id":"base","label_zh":"國內一般消費 1%","scope":"general_domestic","rate_bp":100,"incremental":false,"cap_period":"none"},{"id":"base-ovs","label_zh":"國外消費 3%（含歐洲實體商店）","scope":"general_overseas","rate_bp":300,"incremental":false,"cap_period":"none","conditions_zh":"以外幣請款的國外消費。"},{"id":"linepay-dom","label_zh":"國內 LINE Pay 加碼 1%","scope":"wallet","domestic_only":true,"payment_methods":["line_pay"],"rate_bp":100,"incremental":true,"min_txn_twd":100,"cap_amount_twd":200,"cap_period":"month","cap_scope":"laidian-lp","conditions_zh":"單筆滿 100 元；每月歸戶上限 200 點（上限數字來自第二來源，官方首頁只寫「國內 LINE Pay 最高 1%」）。"}],"exclusions":[{"id":"x-unverified","label_zh":"排除項目在官方「注意事項」收合段落，未逐條核對；一般常見的稅款、規費、儲值等可能不回饋","note_only":true,"source_id":"src-ubot-laidian-browser"}]}]},"current_version_id":"ubot-laidian@2026h2","issuer":{"id":"bank-ubot","name_zh":"聯邦商業銀行"},"promos":["ubot-hilife-2026"],"sources":[{"id":"src-ubot-laidian-browser","url":"https://card.ubot.com.tw/CardDetail/cardDetail201","title_zh":"聯邦賴點卡（瀏覽器存檔）","publisher":"聯邦銀行","kind":"official","fetched_at":"2026-10-19T20:36+08:00","sha256":"6675cdbebe853cf69c4948e89604bfab691f1c93e2f6f7c8ce3ef4f5af4cdb1b"},{"id":"src-lazymoney-ubot-laidian","url":"https://lazymoney.tw/credit-cards/card/ubot-liandian","title_zh":"聯邦賴點卡 詳細介紹","publisher":"卡蹭 Lazy Money","kind":"secondary","fetched_at":"2026-10-19T20:46+08:00","sha256":"af561c4c72126b2b73335254e6ef5635de6063fe65d88b4f53287f9c86957136"},{"id":"src-icard-ubot-laidian","url":"https://icard.ai/card/detail/5e15aecc5c386d001d389984","title_zh":"聯邦賴點卡整理","publisher":"iCard.AI","kind":"secondary","fetched_at":"2026-10-19T20:46+08:00","sha256":"5332dc27be5d4b577b66606262d6cb2bdd4ab8bb8617c7a0855528f630f1fb8a"}]}