{"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":"yuanta-blackbeer","issuer_id":"bank-yuanta","name_zh":"元大 分享黑啤悠遊聯名卡","product_type":"credit","networks":["mastercard"],"card_level_zh":"鈦金卡","tags":["cashback","installment"],"card_page_url":"https://www.yuantabank.com.tw/bank/creditCard/creditCard/in.do?id=68a79aa15f0000076ba9","apply_url":"https://www.yuantabank.com.tw/bank/creditCard/creditCard/in.do?id=68a79aa15f0000076ba9","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-yuanta-blackbeer-page","src-lazymoney-yuanta-blackbeer"]},"annual_fee":{"min_twd":0,"max_twd":0,"first_year_free":false,"waiver_zh":"年費見官方（第二來源整理）","confidence":"single_secondary","source_ids":["src-lazymoney-yuanta-blackbeer"]},"user_tiers":[],"plans":[],"term_versions":[{"id":"yuanta-blackbeer@2026q4","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-yuanta-blackbeer-page"],"corroborating_source_ids":["src-lazymoney-yuanta-blackbeer"],"notes_zh":"主打國內指定實體商店 12 期 0 利率，分期也同享 0.5% 回饋。國外 1.5% 主要依第二來源。","rules":[{"id":"base","label_zh":"國內一般消費 0.5%","scope":"general_domestic","rate_bp":50,"incremental":false,"cap_period":"none"},{"id":"base-ovs","label_zh":"國外一般消費 1.5%","scope":"general_overseas","rate_bp":150,"incremental":false,"cap_period":"none"}],"exclusions":[{"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-yuanta-blackbeer-page"}]}]},"current_version_id":"yuanta-blackbeer@2026q4","issuer":{"id":"bank-yuanta","name_zh":"元大商業銀行"},"promos":[],"sources":[{"id":"src-yuanta-blackbeer-page","url":"https://www.yuantabank.com.tw/bank/creditCard/creditCard/in.do?id=68a79aa15f0000076ba9","title_zh":"元大 分享黑啤悠遊聯名卡 卡片頁","publisher":"元大銀行","kind":"official","fetched_at":"2026-10-19T20:52+08:00","sha256":"060dcc44891b2abac7af7fd8d3ec7b797bf5ef79b50cf288805a4821b066274d"},{"id":"src-lazymoney-yuanta-blackbeer","url":"https://lazymoney.tw/credit-cards/card/yuanta-blackbeer","title_zh":"元大 分享黑啤悠遊聯名卡 詳細介紹","publisher":"卡蹭 Lazy Money","kind":"secondary","fetched_at":"2026-10-19T20:52+08:00","sha256":"ccff2158649e0853522f8741cf551318006fdf49138f17d60993ce9ad935ed23"}]}