icash聯名卡簡易評比 - 信用卡
By Victoria
at 2015-06-21T15:59
at 2015-06-21T15:59
Table of Contents
閒著把首波7間銀行的申請書都看完
依個人選卡習慣簡評 (年費/回饋/其他)
先附立牌簡介
首刷/特別活動
http://i.imgur.com/UeqVmEs.jpg
各家明細
http://i.imgur.com/PQTKZe9.jpg
依各家明細順序簡介
華南icash聯名卡 (JCB,感應)
1.首年免年費,不限金額3筆次年免年費
2.網路消費回饋,有級距
a.一般消費(不含網路消費)紅利2倍
b.一般消費0-1999,網路消費1.3%
一般消費>2000,網路消費2.5%
c.網路消費不包含電話/傳真/自動扣款
簡評:不是很好用,還是富邦好
中國信託酷玩卡 (Master,感應)
1.辦卡預設電子帳單,終身免年費
2.紅利回饋,中油3倍/5大電信4倍/指定網路購物5倍,生日該月10倍
簡評:
收集馬來貘卡牌可以辦,反正終身免年費
首刷888有馬來貘安全帽,新戶限定 Orz
元大愛金卡 (Master,感應)
1.電子帳單免年費
2.國內消費1%,海外消費2%,指定網路購物3%,icash自動加值3%
不過3%的回饋金額上限100,只適合小額消費
簡評:
icash聯名卡首選,基本盤1%,自動加值也有回饋
各大網路平台3%,其他用富邦數位補足
大眾icash愛現鈦金卡/樂享晶緻卡 (Master/JCB,感應)
1.正卡年刷6次或3萬以上免年費
2.鈦金優惠好一些
a.假日回饋1% 平日回饋0.6% (2015.12.31以前加碼0.3%=1.3%)
b.月消費3000以上,回饋openpoint 1萬點
c.月消費6000以上,鈦金or晶緻都有市區2hr 免費停車
簡評:免年費要算次數,現金回饋有點差,元大好些
富邦富利生活icash聯名卡 (Master,感應)
1.鈦金正附卡年消費6萬或12次免年費
2.首次加值送opepoint3萬點,8大通路生活消費紅利5倍
紅利可換超商/百貨/停車/里程
簡評:
不太好養,但5倍紅利的活動到明年年底,有需要的可以算看看
單純當小七卡來用不太方便
一銀icash聯名卡 (JCB,感應)
1.年消費一筆,次年免年費
2.屬紅利卡,指定通路紅利3倍,9月底以前日韓地區加碼
一般消費1000+當月有自動加值,openpoint送1千點
簡評:
一銀自家有悠遊/一卡通/icash卡,帳單合併,點數可以折卡費
小白可考慮辦個大三元 (?)
玉山icash聯名卡 (Visa/JCB,感應)
1.每年有消費即免年費,電子帳單終身免年費+回饋300元刷卡金
2.回饋點數全都是openpoint,1元送1點
一般消費699*5筆,網路交易5%、自動儲值5%回饋
星巴克同品項享第二杯半價,所有city cafe都加贈500點
新戶核卡45天內刷699*2,送openpoint 15萬點,舊戶6萬點
簡評:
1.能接受699*5的話,網路消費跟自動加值都是最高回饋5%
2.適合常喝city cafe的人
剛好板友來信所以算了一下
禮拜三會員日10倍點數寄杯,兩杯82來算,得到點數820+500*2=1820
1820/300點,約6元,現金回饋約6/82=7%
如果滿足699*5的條件,另外加5%
回饋就高過JCB,但僅限於咖啡用途
忘了幾點可以換咖啡,搞不好拿點數換咖啡更划算就是...
結論:
首推元大,簡單好用
選三張的話,我會想辦元大/玉山/中信,都電子帳單免年費
玉山偶爾買咖啡用,中信只是想要馬來貘...
大雨天很無聊,打這篇還斷線2次...
--
依個人選卡習慣簡評 (年費/回饋/其他)
先附立牌簡介
首刷/特別活動
http://i.imgur.com/UeqVmEs.jpg
各家明細
http://i.imgur.com/PQTKZe9.jpg
依各家明細順序簡介
華南icash聯名卡 (JCB,感應)
1.首年免年費,不限金額3筆次年免年費
2.網路消費回饋,有級距
a.一般消費(不含網路消費)紅利2倍
b.一般消費0-1999,網路消費1.3%
一般消費>2000,網路消費2.5%
c.網路消費不包含電話/傳真/自動扣款
簡評:不是很好用,還是富邦好
中國信託酷玩卡 (Master,感應)
1.辦卡預設電子帳單,終身免年費
2.紅利回饋,中油3倍/5大電信4倍/指定網路購物5倍,生日該月10倍
簡評:
收集馬來貘卡牌可以辦,反正終身免年費
首刷888有馬來貘安全帽,新戶限定 Orz
元大愛金卡 (Master,感應)
1.電子帳單免年費
2.國內消費1%,海外消費2%,指定網路購物3%,icash自動加值3%
不過3%的回饋金額上限100,只適合小額消費
簡評:
icash聯名卡首選,基本盤1%,自動加值也有回饋
各大網路平台3%,其他用富邦數位補足
大眾icash愛現鈦金卡/樂享晶緻卡 (Master/JCB,感應)
1.正卡年刷6次或3萬以上免年費
2.鈦金優惠好一些
a.假日回饋1% 平日回饋0.6% (2015.12.31以前加碼0.3%=1.3%)
b.月消費3000以上,回饋openpoint 1萬點
c.月消費6000以上,鈦金or晶緻都有市區2hr 免費停車
簡評:免年費要算次數,現金回饋有點差,元大好些
富邦富利生活icash聯名卡 (Master,感應)
1.鈦金正附卡年消費6萬或12次免年費
2.首次加值送opepoint3萬點,8大通路生活消費紅利5倍
紅利可換超商/百貨/停車/里程
簡評:
不太好養,但5倍紅利的活動到明年年底,有需要的可以算看看
單純當小七卡來用不太方便
一銀icash聯名卡 (JCB,感應)
1.年消費一筆,次年免年費
2.屬紅利卡,指定通路紅利3倍,9月底以前日韓地區加碼
一般消費1000+當月有自動加值,openpoint送1千點
簡評:
一銀自家有悠遊/一卡通/icash卡,帳單合併,點數可以折卡費
小白可考慮辦個大三元 (?)
玉山icash聯名卡 (Visa/JCB,感應)
1.每年有消費即免年費,電子帳單終身免年費+回饋300元刷卡金
2.回饋點數全都是openpoint,1元送1點
一般消費699*5筆,網路交易5%、自動儲值5%回饋
星巴克同品項享第二杯半價,所有city cafe都加贈500點
新戶核卡45天內刷699*2,送openpoint 15萬點,舊戶6萬點
簡評:
1.能接受699*5的話,網路消費跟自動加值都是最高回饋5%
2.適合常喝city cafe的人
剛好板友來信所以算了一下
禮拜三會員日10倍點數寄杯,兩杯82來算,得到點數820+500*2=1820
1820/300點,約6元,現金回饋約6/82=7%
如果滿足699*5的條件,另外加5%
回饋就高過JCB,但僅限於咖啡用途
忘了幾點可以換咖啡,搞不好拿點數換咖啡更划算就是...
結論:
首推元大,簡單好用
選三張的話,我會想辦元大/玉山/中信,都電子帳單免年費
玉山偶爾買咖啡用,中信只是想要馬來貘...
大雨天很無聊,打這篇還斷線2次...
--
Tags:
信用卡
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