{"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","C1_issuers":{"listed_in_fsc_stats":32,"recorded":34,"list_checked_within_30d":true,"pass":true},"C2_cards":{"recorded":254,"catalogue_open_cards":432,"covered":254,"denominator":432,"coverage_pct":58.8,"closing_soon":[{"name_zh":"新光美麗華悠遊聯名卡","applications_end":"2026-10-30"},{"name_zh":"新光義大世界一卡通聯名卡","applications_end":"2026-10-30"},{"name_zh":"新光寰宇現金回饋卡","applications_end":"2026-10-30"},{"name_zh":"新光三越聯名卡","applications_end":"2026-10-30"},{"name_zh":"新光 OU 點點卡","applications_end":"2026-10-30"},{"name_zh":"新光悠遊聯名卡","applications_end":"2026-10-30"},{"name_zh":"新光 ESG 白金卡","applications_end":"2026-10-30"},{"name_zh":"新光世界卡","applications_end":"2026-10-30"}],"unmatched_recorded":[],"catalogue_generated_at":"2026-10-19","lists_official":30,"lists_secondary_fallback":[],"lists_unreadable":["bank-cota"],"no_open_cards":["bank-citi"],"not_card_issuer":["other-globalpayments","other-nccc"],"note_zh":"分母取各發卡機構官網卡片清單中目前開放申辦的個人信用卡（不含簽帳金融卡、公司／採購卡、邀請制、已停辦）。30 家用官網清單；其中 11 家官網清單要 JavaScript，改用瀏覽器逐張看過官網清單（筆記在 research/browser-notes/cards-32-44.md）；1 家讀不到清單、記 0 張（bank-cota）。已公告停止申辦日的卡，到了那天自動離開分母（新光銀行全部卡片 2026/10/30 起停止申辦）。尚未與 Money101（350+）、Cardli（430+）逐張交叉比對（兩站從這台機器連不上）；目前分母 432 張，只能當量級對照。","pass":false},"C3_epay":{"dedicated_recorded":10,"dedicated_total":10,"bank_epay_recorded":19,"bank_epay_total":19,"bank_wallet_products":["esun_wallet","sinopac_dacard","taishin_pay","taishin_pay_plus","tw_pay"],"wallets_with_own_rewards":["line_pay","jkopay","pluspay","easywallet","icash_pay"],"token_wallets":3,"note_zh":"19 家兼營銀行已建檔；有消費者錢包產品資料的是玉山Wallet、台新Pay、台新Pay+、永豐大咖DACARD（原豐錢包已停用）。全支付、LINE Pay 自家 Q4 活動只在 App 內，查無官方新聞稿可交叉核對，未建檔","pass":false},"C4_debit":{"recorded_cards":24,"banks_with_debit_data":21,"denominator":26,"missing":["bank-feib","bank-mega","bank-skbank","bank-tbb","bank-tcbbank"],"denominator_note_zh":"分母是已確認發行簽帳金融卡的 26 家機構；第三批已逐家查過各銀行官網，沒發簽帳金融卡的銀行不算進分母。","missing_reason_zh":{"bank-feib":"有發卡證據，卡片尚未建檔","bank-mega":"VISA 金融卡頁讀得到，但回饋是紅利點數，折抵價值未寫，尚未建檔","bank-skbank":"官網為 SPA 殼頁，需瀏覽器","bank-tbb":"官網卡片頁與回饋頁連線逾時，見 docs/needs-browser.md","bank-tcbbank":"官網卡片頁抓取失敗，見 docs/needs-browser.md"},"pass":false},"C6_sources":{"facts":292,"with_official_source_fetched_sha256":292,"verified_2src":152,"pct_2src":52,"official_x2":116,"pct_2src_incl_official_x2":92},"C7_freshness":{"active_promos":14,"verified_within_14d":14},"C8_expired_in_today_json":0,"confidence_breakdown":{"verified_2src":152,"official_x2":116,"official_only":13,"single_secondary":1,"conflict":10}}