哩程卡是否只有搭配贈送哩程活動才划算 ? - 信用卡
By Eden
at 2019-06-20T09:56
at 2019-06-20T09:56
Table of Contents
最近幾年很多間銀行都在推累積哩程的信用卡,主打消費多少就可以換到一張機票
可是現在現金回饋卡的回饋比例也越來越高,回饋2%以上好像已經變常態了
感覺一般(例如年刷50萬以下)的消費族群可能用哩程卡根本划不來
除非有參與到銀行的促刷、贈哩活動
哩程卡的負擔、缺點主要是
1. 大多要年費
相比之下現金回饋卡幾乎都不用年費,申辦門檻也低
累積哩程的速度若不夠快光支付年費就划不來了
2. 里程有貶值風險
銀行改變兌換比例或是航空公司調高里程門檻就哭哭了
像今年花旗就把兌換華航里程的比率大幅調低就是一例
3. 哩程大多(不是所有)有期限
消費者可能為了在某個期限內累積到特定數量的哩程而增加不必要的開銷
同樣的,有時遇到促刷活動時會亂消費,事後才驚覺為了那一點哩程根本得不償失
(個人認為這點是很多哩程卡卡友會忽略的問題: 為了拿額外的哩程而亂花錢)
(反之, 現金回饋卡卡友都很理性,沒人會為了$2回饋而去多刷$100 XD)
4. 兌換酬賓機票時還必須要支付稅金
以台北-東京來回經濟艙機票為例,稅金也要至少一、兩千塊錢
(商務艙大概就兩千塊起跳了)
無形中又降低了哩程的價值
5. 熱門時段機票很難換
當想要把辛苦累積了多年的哩程換成機票時有時還會遇到想搭的航班都沒機位的問題
(有時是航空公司刻意不給換,叫你排候補,想把機位留給自費的旅客)
6. 用哩程票自助旅行較難取得信用卡的免費機場接送資格
信用卡的免費機場接送幾乎都有消費金額的門檻
例如搭機的前三個月要刷機票或團費滿兩萬元
可是用哩程換酬賓機票的話只要支付稅金,不容易達到兩萬元
相比之下全自費買機票很容易就超過兩萬了
無形中又降低了哩程的價值
以上是我用了三年哩程卡的一點小小心得
個人是認為若沒跟到贈送哩程活動的話,15元兌換1哩的哩程卡都比不上2%的現金回饋卡
(以上心得應該只適用於領薪水的中產階級,年年都刷超過百萬的富人用哩程卡還是划算)
--
可是現在現金回饋卡的回饋比例也越來越高,回饋2%以上好像已經變常態了
感覺一般(例如年刷50萬以下)的消費族群可能用哩程卡根本划不來
除非有參與到銀行的促刷、贈哩活動
哩程卡的負擔、缺點主要是
1. 大多要年費
相比之下現金回饋卡幾乎都不用年費,申辦門檻也低
累積哩程的速度若不夠快光支付年費就划不來了
2. 里程有貶值風險
銀行改變兌換比例或是航空公司調高里程門檻就哭哭了
像今年花旗就把兌換華航里程的比率大幅調低就是一例
3. 哩程大多(不是所有)有期限
消費者可能為了在某個期限內累積到特定數量的哩程而增加不必要的開銷
同樣的,有時遇到促刷活動時會亂消費,事後才驚覺為了那一點哩程根本得不償失
(個人認為這點是很多哩程卡卡友會忽略的問題: 為了拿額外的哩程而亂花錢)
(反之, 現金回饋卡卡友都很理性,沒人會為了$2回饋而去多刷$100 XD)
4. 兌換酬賓機票時還必須要支付稅金
以台北-東京來回經濟艙機票為例,稅金也要至少一、兩千塊錢
(商務艙大概就兩千塊起跳了)
無形中又降低了哩程的價值
5. 熱門時段機票很難換
當想要把辛苦累積了多年的哩程換成機票時有時還會遇到想搭的航班都沒機位的問題
(有時是航空公司刻意不給換,叫你排候補,想把機位留給自費的旅客)
6. 用哩程票自助旅行較難取得信用卡的免費機場接送資格
信用卡的免費機場接送幾乎都有消費金額的門檻
例如搭機的前三個月要刷機票或團費滿兩萬元
可是用哩程換酬賓機票的話只要支付稅金,不容易達到兩萬元
相比之下全自費買機票很容易就超過兩萬了
無形中又降低了哩程的價值
以上是我用了三年哩程卡的一點小小心得
個人是認為若沒跟到贈送哩程活動的話,15元兌換1哩的哩程卡都比不上2%的現金回饋卡
(以上心得應該只適用於領薪水的中產階級,年年都刷超過百萬的富人用哩程卡還是划算)
--
Tags:
信用卡
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