海外現金回饋後匯率完全比較表 - 信用卡
By Thomas
at 2014-08-07T15:57
at 2014-08-07T15:57
Table of Contents
嗯...雖然是個論文戰士,但不知不覺就花了一(ㄏㄣˇ)點(ㄉㄨㄛ)時間,
做了海外各幣別的匯率比較完整報表(掩面)......
分析內容包含六種我常去的國家JP, US, EU, HK, China, Singapore之貨幣
匯率是以2014.08.06查詢央行現匯和各家發卡中心的requested date匯率為準進行計算
總之,海外匯率這塊也討論滿久了,有興趣的人可以自由取用:
http://0rz.tw/Xx1p9
銀行海外刷卡手續費的部分我沒有一家家去查詢,
有人知道哪家不是1.5%可以推文跟我說我再來改~
以下是給對報表這種東西有極端恐懼症的人看的欄位說明XD
賬單請款匯率結算(含現金回饋折算):
把現金回饋跟手續費都運算回去後,實際上你使用的匯率
也就是拿這項跟現金匯率比較,如果這項比較低,就表示刷卡比付現賺無誤
刷卡賺匯TWD(每千元當地貨幣消費):
每刷當地貨幣1000元,比如刷了1000USD,會比使用現金省多少台幣
刷卡1000TWD賺多少TWD:
考量到用外幣千元計算在各國消費難以估計到底哪個比較省,於是增設這個項目
「每在國外消費等值於台幣1000元的外幣,會比使用現金付款省多少台幣?」
這項就是回答這個問題囉!可以看出不同貨幣間信用卡刷卡省的程度也不一樣呢~
最後的「比較結果」&「發卡匯率比較」兩欄:
1.ONLINE, OFFLINE區分不同使用情境下,刷卡應該選哪張卡
2.該幣別匯率比較優惠的發卡中心排行
如果不巧沒有辦到最優惠的卡,也可以查查自己的卡片
看看你的卡到底可以幫你省多少海外消費:)
呼~解釋完畢!誠心分享,但有好心人覺得有幫到你,
願意幫我google "wowdigi"踩個點擊數的話,真的是在此跟你謝謝XD
--
做了海外各幣別的匯率比較完整報表(掩面)......
分析內容包含六種我常去的國家JP, US, EU, HK, China, Singapore之貨幣
匯率是以2014.08.06查詢央行現匯和各家發卡中心的requested date匯率為準進行計算
總之,海外匯率這塊也討論滿久了,有興趣的人可以自由取用:
http://0rz.tw/Xx1p9
銀行海外刷卡手續費的部分我沒有一家家去查詢,
有人知道哪家不是1.5%可以推文跟我說我再來改~
以下是給對報表這種東西有極端恐懼症的人看的欄位說明XD
賬單請款匯率結算(含現金回饋折算):
把現金回饋跟手續費都運算回去後,實際上你使用的匯率
也就是拿這項跟現金匯率比較,如果這項比較低,就表示刷卡比付現賺無誤
刷卡賺匯TWD(每千元當地貨幣消費):
每刷當地貨幣1000元,比如刷了1000USD,會比使用現金省多少台幣
刷卡1000TWD賺多少TWD:
考量到用外幣千元計算在各國消費難以估計到底哪個比較省,於是增設這個項目
「每在國外消費等值於台幣1000元的外幣,會比使用現金付款省多少台幣?」
這項就是回答這個問題囉!可以看出不同貨幣間信用卡刷卡省的程度也不一樣呢~
最後的「比較結果」&「發卡匯率比較」兩欄:
1.ONLINE, OFFLINE區分不同使用情境下,刷卡應該選哪張卡
2.該幣別匯率比較優惠的發卡中心排行
如果不巧沒有辦到最優惠的卡,也可以查查自己的卡片
看看你的卡到底可以幫你省多少海外消費:)
呼~解釋完畢!誠心分享,但有好心人覺得有幫到你,
願意幫我google "wowdigi"踩個點擊數的話,真的是在此跟你謝謝XD
--
Tags:
信用卡
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