台灣Pay 新光銀行加碼4% 每月只有5萬元預算額度... - 信用卡
By Lydia
at 2020-07-13T16:46
at 2020-07-13T16:46
Table of Contents
今天收到新光的寰宇現金回饋卡
稍微研究了此卡的回饋
整理如下:
(1)國內指定數位通路3%
(其中2%部分回饋上限500元, 刷25000元滿回饋
1%部分回饋無上限)
(新戶額外再享30天內指定數位支付3%回饋, 此3%部分回饋上限500元, 跟上面不重覆,
但考慮不是所有人都是新戶, 這篇底下就不討論這3%部分的回饋)
細節: https://www.skbank.com.tw/CCO_1_detail.html?preferenceId=B386
(2)11個支付綁定新光卡, 享額外8%回饋 (此8%部分回饋上限200元, 刷2500元滿回饋)
細節: https://www.skbank.com.tw/CCO_1_detail.html?preferenceId=B499
(3)Taiwan pay綁定新光信用卡, 再享額外5%回饋
(其中Taiwan pay自行加碼1%的部分回饋上限100元, 刷10000元滿回饋
新光加碼4%的部分回饋上限300元, 刷7500元滿回饋)
細節: https://www.skbank.com.tw/CCO_1_detail.html?preferenceId=B459
看起來好像很美好, 即使不是新戶,
最多可享有3%+8%+5%=16%的回饋
但如果你點進上面(3)的那個連結, 你會發現新光自行加碼4%的部分,
他的預算額度只有每個月 5萬元...
換句話說, 等於每個月, 只有50000/300=166.67個人 吃得到這300元的回饋...
-----
在很美好的回饋版本裡(即假定每個人都搶得到那新光加碼4%的回饋下),
新光寰宇現金回饋卡這張的刷卡回饋是這樣(不考慮新戶額外享有的3%回饋):
刷卡 0~ 2500元,享16%回饋;
2501~ 7500元, 8% ;
7501~10000元, 4% ;
10001~25000元, 3% ;
25001~ 元, 1% .
-----
但由於新光加碼的那4%, 基本上其實是看得到但可以當作吃不到...
所以當作沒有那4%的回饋下,
新光寰宇現金回饋卡這張的刷卡會變成這樣(一樣不考慮新戶額外享有的3%回饋):
刷卡 0~ 2500元,享12%回饋;
2501~10000元, 4% ;
10001~25000元, 3% ;
25001~ 元, 1% .
可以看得出來在2500元內, 此卡的回饋還是很可觀, 有12%;
但在2501~10000元的區間, 此卡的回饋會遽降..., 只有4%
(沒辦法, 畢竟少了新光加碼的那4%回饋...)
-----
簡單說, 討論對象為綁定行動支付的刷卡形態, 且假定吃不到新光加碼的那4%回饋下, 那麼
在2500元內, 刷新光寰宇現金回饋卡(有12%的回饋)
在2501~10000元內, 如果你手上有比4%回饋更高的卡 刷那張,
如果沒有的話, 那還是可以刷新光寰宇現金回饋這張卡
(畢竟4%回饋也不算太差@@).
--
稍微研究了此卡的回饋
整理如下:
(1)國內指定數位通路3%
(其中2%部分回饋上限500元, 刷25000元滿回饋
1%部分回饋無上限)
(新戶額外再享30天內指定數位支付3%回饋, 此3%部分回饋上限500元, 跟上面不重覆,
但考慮不是所有人都是新戶, 這篇底下就不討論這3%部分的回饋)
細節: https://www.skbank.com.tw/CCO_1_detail.html?preferenceId=B386
(2)11個支付綁定新光卡, 享額外8%回饋 (此8%部分回饋上限200元, 刷2500元滿回饋)
細節: https://www.skbank.com.tw/CCO_1_detail.html?preferenceId=B499
(3)Taiwan pay綁定新光信用卡, 再享額外5%回饋
(其中Taiwan pay自行加碼1%的部分回饋上限100元, 刷10000元滿回饋
新光加碼4%的部分回饋上限300元, 刷7500元滿回饋)
細節: https://www.skbank.com.tw/CCO_1_detail.html?preferenceId=B459
看起來好像很美好, 即使不是新戶,
最多可享有3%+8%+5%=16%的回饋
但如果你點進上面(3)的那個連結, 你會發現新光自行加碼4%的部分,
他的預算額度只有每個月 5萬元...
換句話說, 等於每個月, 只有50000/300=166.67個人 吃得到這300元的回饋...
-----
在很美好的回饋版本裡(即假定每個人都搶得到那新光加碼4%的回饋下),
新光寰宇現金回饋卡這張的刷卡回饋是這樣(不考慮新戶額外享有的3%回饋):
刷卡 0~ 2500元,享16%回饋;
2501~ 7500元, 8% ;
7501~10000元, 4% ;
10001~25000元, 3% ;
25001~ 元, 1% .
-----
但由於新光加碼的那4%, 基本上其實是看得到但可以當作吃不到...
所以當作沒有那4%的回饋下,
新光寰宇現金回饋卡這張的刷卡會變成這樣(一樣不考慮新戶額外享有的3%回饋):
刷卡 0~ 2500元,享12%回饋;
2501~10000元, 4% ;
10001~25000元, 3% ;
25001~ 元, 1% .
可以看得出來在2500元內, 此卡的回饋還是很可觀, 有12%;
但在2501~10000元的區間, 此卡的回饋會遽降..., 只有4%
(沒辦法, 畢竟少了新光加碼的那4%回饋...)
-----
簡單說, 討論對象為綁定行動支付的刷卡形態, 且假定吃不到新光加碼的那4%回饋下, 那麼
在2500元內, 刷新光寰宇現金回饋卡(有12%的回饋)
在2501~10000元內, 如果你手上有比4%回饋更高的卡 刷那張,
如果沒有的話, 那還是可以刷新光寰宇現金回饋這張卡
(畢竟4%回饋也不算太差@@).
--
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信用卡
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