{"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-debit","issuer_id":"bank-yuanta","name_zh":"元大 Visa 金融卡","product_type":"debit","networks":["visa"],"card_level_zh":"簽帳金融卡","tags":["cashback","debit"],"card_page_url":"https://www.yuantabank.com.tw/bank/saveExchange/visa/list.do","apply_url":"https://www.yuantabank.com.tw/bank/saveExchange/visa/list.do","requires_zh":"須有元大活期帳戶；海外刷卡功能要另外申請啟用。","reward":{"kind":"cash","unit_zh":"現金（存入持卡人帳戶）","point_value_twd":1,"delivery_zh":"消費次月第 5 個營業日存入。","expiry_zh":"現金，無效期。","source_ids":["src-yuanta-debit"]},"annual_fee":{"min_twd":null,"max_twd":null,"first_year_free":null,"waiver_zh":"官網卡片頁沒寫年費。","confidence":"official_only","source_ids":["src-yuanta-debit"]},"user_tiers":[],"plans":[],"term_versions":[{"id":"yuanta-debit@current","period_kind":"custom","period_label":"現行","valid_from":"2026-01-01","valid_to":null,"next_period_announced":false,"status":"active","recorded_at":"2026-10-19","verified_at":"2026-10-19","confidence":"official_only","source_ids":["src-yuanta-debit"],"corroborating_source_ids":[],"notes_zh":"只找到元大官網 FAQ，沒找到可存檔的第二來源寫同樣數字，所以標 official_only。官方沒寫截止日與上限。","rules":[{"id":"base","label_zh":"國內一般消費","scope":"general_domestic","rate_bp":30,"incremental":false,"cap_period":"none"},{"id":"base-ovs","label_zh":"海外一般消費","scope":"general_overseas","rate_bp":60,"incremental":false,"cap_period":"none"}],"exclusions":[{"id":"x-tax","label_zh":"學費、稅費、規費、罰鍰","category_ids":["tax","tuition"],"source_id":"src-yuanta-debit"},{"id":"x-misc","label_zh":"手續費、退貨、海外賭場、Visa QR 繳費等","note_only":true,"source_id":"src-yuanta-debit"}]}]},"current_version_id":"yuanta-debit@current","issuer":{"id":"bank-yuanta","name_zh":"元大商業銀行"},"promos":[],"sources":[{"id":"src-yuanta-debit","url":"https://www.yuantabank.com.tw/bank/saveExchange/visa/list.do","title_zh":"元大 Visa 金融卡常見問題","publisher":"元大銀行","kind":"official","fetched_at":"2026-10-19T20:32+08:00","sha256":"3bede3bfe31b76854cce7f2339b05c6949d29ab5e862dcd83092aae392d6464f"}]}