是否要從現金回饋轉集華南紅利換ANA哩程 - 信用卡
By Annie
at 2016-03-07T11:47
at 2016-03-07T11:47
Table of Contents
年消費金額約2x萬(不含保費)
一年出國2~3次,幾乎都是日本
目前消費策略:
國內外無腦刷:
元大鑽金:國內1.2%、國外2.2%(iTunes Store等外幣消費也放這張)
元大愛金JCB:日本購物、7-11用
網路消費:
華南iCash、富邦數位生活(滿了就換人刷)
元大愛金JCB因為有通路跟天花板的限制,基本上不用來刷網路消費
百貨、品牌:
玉山統一時代、聯邦微風、台新新光:美食街折扣
中信Muji:無印滿百5% muji dollor回饋
中信秀泰:秀泰看電影
電子票證:
玉山統一時代悠遊:因為搶不到JCB 10%活動,所以用這張的悠遊加減賺一點UUPON點數
聯邦微風一卡通:想過用來賺一卡通2%,但在北捷為了刷一卡通還得特地繞去刷對應閘門,時間成本>2%回饋
元大愛金JCB:7-11消費,3%回饋加減拿(基本上100元回饋上限用不滿)
目前問題:
- 分太多間銀行的卡刷(雖然都是電子帳單+全國繳費網繳,不喜歡自動扣繳)
- 聯邦偶數日活動會變成強迫消費
想換成集華南紅利換ANA哩程的原因:
- 可以集中刷同一家的卡(包含悠遊、iCash等電子票證)
- 可以把全家人的消費集中刷華南
- 想換ANA飛北海道機票
可以預想到的風險:
- 華南紅利、ANA哩程貶值
- ANA的免費哩程票不容易換
爬文看到滿多篇都提到要玩哩程的話,如果目標只是放在亞洲,C/P值不高
加上如果年消費金額不高的話,集得速度會不夠快
但也有年消費金額差不多的版友有提到已經靠這樣換到日本機票
就燃起一點信心
--
一年出國2~3次,幾乎都是日本
目前消費策略:
國內外無腦刷:
元大鑽金:國內1.2%、國外2.2%(iTunes Store等外幣消費也放這張)
元大愛金JCB:日本購物、7-11用
網路消費:
華南iCash、富邦數位生活(滿了就換人刷)
元大愛金JCB因為有通路跟天花板的限制,基本上不用來刷網路消費
百貨、品牌:
玉山統一時代、聯邦微風、台新新光:美食街折扣
中信Muji:無印滿百5% muji dollor回饋
中信秀泰:秀泰看電影
電子票證:
玉山統一時代悠遊:因為搶不到JCB 10%活動,所以用這張的悠遊加減賺一點UUPON點數
聯邦微風一卡通:想過用來賺一卡通2%,但在北捷為了刷一卡通還得特地繞去刷對應閘門,時間成本>2%回饋
元大愛金JCB:7-11消費,3%回饋加減拿(基本上100元回饋上限用不滿)
目前問題:
- 分太多間銀行的卡刷(雖然都是電子帳單+全國繳費網繳,不喜歡自動扣繳)
- 聯邦偶數日活動會變成強迫消費
想換成集華南紅利換ANA哩程的原因:
- 可以集中刷同一家的卡(包含悠遊、iCash等電子票證)
- 可以把全家人的消費集中刷華南
- 想換ANA飛北海道機票
可以預想到的風險:
- 華南紅利、ANA哩程貶值
- ANA的免費哩程票不容易換
爬文看到滿多篇都提到要玩哩程的話,如果目標只是放在亞洲,C/P值不高
加上如果年消費金額不高的話,集得速度會不夠快
但也有年消費金額差不多的版友有提到已經靠這樣換到日本機票
就燃起一點信心
--
Tags:
信用卡
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