2015~2016上半年網路刷卡指南 - 信用卡
By Freda
at 2015-11-20T20:16
at 2015-11-20T20:16
Table of Contents
最近手癢加辦了一些iCash聯名卡, 主因是為了2.5%~3%的網路購物回饋.
因為每次想刷卡都要想老半天, 所以做了張圖方便自己快速判斷...
[104/12/31前網路刷卡指南]
http://i.imgur.com/wrRmdqd.jpg
[105/6/30前網路刷卡指南]
http://i.imgur.com/bwdPwCJ.jpg
這樣整理其實有做一些假設:
1. 卡片的優惠大部分標註都到104/12/31, 假設明年會延續.
2. 明年6/30的表格變數還很大, 僅以目前資訊做為參考判斷
3. 聯邦卡雖然要刷三天奇數日, 但金額可以很小, 忽略這部分的回饋比例稀釋.
4. 國外網站刷卡未考慮匯差. (例如是否富邦JCB刷日幣考慮匯差會勝過鑽金Master?)
5. 可能有漏掉一些限制較多的網購卡 (例如要年費, 或是像玉山iCash得刷5筆699)
[以下11/21 Update]
感謝maxhoop大的提醒, 本來看到版上風評不太好, 是不打算研究澳盛現金回饋卡的.
因為只對新戶有用的一年卡, 結果試算一下有點嚇到...
考慮澳盛的版本:
[104/12/31前網路刷卡指南(澳盛)]
http://i.imgur.com/30e7nhj.jpg
基本上愛金卡已經沒有出場的必要了. 澳盛刷卡也不用管網站通路.
(我才剛辦愛金就要剪了嗎?)
[105/6/30前網路刷卡指南(澳盛)]
http://i.imgur.com/BqOOi1V.jpg
明年起因為華銀iCash回饋上限只有250, 所以華銀iCash基本上也出局了!!!!!
(我才剛辦華銀iCash就只剩1個月出頭可用了嗎?)
糟糕怎麼算了一下覺得澳盛現金回饋卡非辦不可啊!! @@
--
如果有錯或是有更棒的網購卡煩請提醒指正.. ^^
--
因為每次想刷卡都要想老半天, 所以做了張圖方便自己快速判斷...
[104/12/31前網路刷卡指南]
http://i.imgur.com/wrRmdqd.jpg
[105/6/30前網路刷卡指南]
http://i.imgur.com/bwdPwCJ.jpg
這樣整理其實有做一些假設:
1. 卡片的優惠大部分標註都到104/12/31, 假設明年會延續.
2. 明年6/30的表格變數還很大, 僅以目前資訊做為參考判斷
3. 聯邦卡雖然要刷三天奇數日, 但金額可以很小, 忽略這部分的回饋比例稀釋.
4. 國外網站刷卡未考慮匯差. (例如是否富邦JCB刷日幣考慮匯差會勝過鑽金Master?)
5. 可能有漏掉一些限制較多的網購卡 (例如要年費, 或是像玉山iCash得刷5筆699)
[以下11/21 Update]
感謝maxhoop大的提醒, 本來看到版上風評不太好, 是不打算研究澳盛現金回饋卡的.
因為只對新戶有用的一年卡, 結果試算一下有點嚇到...
考慮澳盛的版本:
[104/12/31前網路刷卡指南(澳盛)]
http://i.imgur.com/30e7nhj.jpg
基本上愛金卡已經沒有出場的必要了. 澳盛刷卡也不用管網站通路.
(我才剛辦愛金就要剪了嗎?)
[105/6/30前網路刷卡指南(澳盛)]
http://i.imgur.com/BqOOi1V.jpg
明年起因為華銀iCash回饋上限只有250, 所以華銀iCash基本上也出局了!!!!!
(我才剛辦華銀iCash就只剩1個月出頭可用了嗎?)
糟糕怎麼算了一下覺得澳盛現金回饋卡非辦不可啊!! @@
--
如果有錯或是有更棒的網購卡煩請提醒指正.. ^^
--
Tags:
信用卡
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