我的現金回饋卡組合 - 信用卡
By Skylar Davis
at 2014-06-09T10:34
at 2014-06-09T10:34
Table of Contents
我來分享一下 我的信用卡心得
首先 信用卡要達到幾個條件
1.免年費門檻低(例如,一年12次或6萬以內)
2.現金回饋為主
接下來 就是分 國內組合跟國外組合
我本身不喜歡帶太多卡片在身上 故大都以兩到三張為主即可
國內組合
1. 華南超級現金回饋卡(MS) : 不分門檻都1% ==> 主力使用卡
2. 國泰世華Costco 卡(VISA): Costco專用卡 我每個月至少逛一次
3. 台北富邦數位生活(VISA) : 卡片不帶身上 網購才使用 現金回饋2%(上限300)
國外組合
1. 台新銀行昇恆昌卡(VISA) : 海外1.5%現金回饋 打平手續費
另外 當期回饋這個功能我覺得很重要
因為出國消費都是一次性大量的金額
如果回饋金要等到下期帳單 還要特地拿出來刷特定金額
我可能沒這麼多時間想這個 所以還是以當期回饋為主
不曉得還有哪些銀行有類似的當期回饋?
2. 中信紅利晶緻卡(JCB): 海外備卡,台新卡刷不過才會拿出來 或者JCB有特別優惠時
才會使用 目前也是海外回饋1%+紅利三倍
目前國外備卡2 有想要換成 合庫的晶緻卡(JCB)
具有海外1.5%回饋 + JCB 低年費門檻的特性
目前年費門檻已經調整 http://ppt.cc/d3VI
一年只要刷六次即可 興趣大增
目前我很滿意現在的組合 又能顧及皮包的厚度 給各位參考
謝謝!
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Tags:
信用卡
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