當年的神卡,現今早已跌落神壇 - 信用卡

By Oscar
at 2020-02-11T02:10
at 2020-02-11T02:10
Table of Contents
好幾年前進了卡板,從當年的神卡一路辦起,但現今多半跌落神壇了。
歷久彌新的大概只剩小套牢卡了吧。
因為個人偏好現金回饋,大多會以現金回饋為主,就跟我一起來細數當年吧......
1. 大眾分享卡
主打不限金額可999以上可分期不用利息,半年繳500
每月 100~3000回饋50
每月3001~8000回饋100
每月8001以上 回饋150
當時在現金回饋界回饋率也是很高,也很多人當百元卡用。
後來被元大買走,全部換成元大鑽金卡,但發卡時,
海外已很多人轉用當時一直有活動的台新@GOGO卡了,也沒啥幫助。
2. 聯邦銀行理財白金卡,現俗稱小套牢卡
年繳5000,每月刷450,次月回饋450,這個是我現在還一直有在用的卡,
除了每個月要記得刷450,沒啥缺點,很多人拿來代扣500塊左右的手機費,就不用理它了
3. 永豐八通卡
從最一開始的半年消費150000回饋5000,變163500,又變239333,
最後這一次讓大家都跑光了,我看官網回饋日期只到2018/12/31,
根本已經不知道到底還有沒有回饋了,回饋率只剩2.09%,我是還留著,
但在239333以後就沒用了,應該是沒什麼人在用了。
4. 玉山王建民悠遊卡,俗稱便當卡
悠遊卡自動加值3次送國民便當,後來變咖啡,再後來王建民傳出緋聞之後,停止發行
就被玉山喵喵卡繼續自動加值3次送咖啡,就此沉下去了。
5. 萬泰MoneyBack御璽卡,算是第一代的公認電影神卡
最初是無條件連鎖影城回饋50%上限300元,再配合636使用,真的是無敵神卡。
再變成月刷2000才可回饋,再變3000,在配合ISHOW卡使用的情況下,還是有一定的使用者
直到玉山Ubear的出現才被完全打趴,退隱江湖。
6. 凱基現金回饋悠遊鈦金Combo卡
凱基買下萬泰的第一張信用卡,配合開立的線上帳戶及自動扣繳帳單,
可以有1.53%的回饋率,在當時算是很高的回饋率,
還推出其他信用卡帳單從凱基帳單扣繳也有回饋的創舉,
當初也是滿多人把所有信用卡都轉到凱基去繳。
後來出了台新@GOGO卡了以後,就被許多人冰了起來,
但最近發現,凱基一直都有海外3%的活動(需配合持卡3年),
雖然每次都只有一季,但似乎每季都有,其實回饋率也還算高,已經跟大戶卡一樣了,
在餵飽大戶的12000後,可以試著挑戰凱基的50000,反正沒到也不損失。
7.台新@GOGO悠遊御璽卡
配合開立網路銀行,有一般1.5%線上3.5%的高回饋率,算是通用型的無腦卡,
但在永豐大戶一般2%及玉山Ubear網購5%的雙重夾擊下,也算是最新的殞落神卡。
從十幾年前回饋三卡:
小戶辦大眾分享、聯邦理財白金;中戶辦永豐八通開始,一路過來紛紛殞落,
大概只剩小套牢還有人在用,其他皆已香消玉殞。
其實以前的舊神卡回饋率也是很高,只是現在通路變多了,變成要一種通路一張卡,
比較不能一張打全部,小戶的情況大概就是:
國內:永豐大戶
國外:永豐大戶 + 台新飛狗
網購/超商:玉山Ubear
行動支付:台新街口
比較不怕麻煩的人可能再掛個大小套牢
講了那麼多,其實也是看到我的永豐八通卡有感而發,
感慨當初為了湊150000到處幫人刷卡,再退人家回饋金,結果現在只能在抽屜裡,
根本不帶出門,留著不剪也只是紀念。
再等等看啥時能有一張歷久彌新,一戰十年的卡,再讓板友們眼睛一亮吧。
--
身旁有個羨煞眾人眼光的女伴
是每個男人的夢想
無奈
這種女生很多
但幸運的
不曾是我 ψyrojoracno
--
歷久彌新的大概只剩小套牢卡了吧。
因為個人偏好現金回饋,大多會以現金回饋為主,就跟我一起來細數當年吧......
1. 大眾分享卡
主打不限金額可999以上可分期不用利息,半年繳500
每月 100~3000回饋50
每月3001~8000回饋100
每月8001以上 回饋150
當時在現金回饋界回饋率也是很高,也很多人當百元卡用。
後來被元大買走,全部換成元大鑽金卡,但發卡時,
海外已很多人轉用當時一直有活動的台新@GOGO卡了,也沒啥幫助。
2. 聯邦銀行理財白金卡,現俗稱小套牢卡
年繳5000,每月刷450,次月回饋450,這個是我現在還一直有在用的卡,
除了每個月要記得刷450,沒啥缺點,很多人拿來代扣500塊左右的手機費,就不用理它了
3. 永豐八通卡
從最一開始的半年消費150000回饋5000,變163500,又變239333,
最後這一次讓大家都跑光了,我看官網回饋日期只到2018/12/31,
根本已經不知道到底還有沒有回饋了,回饋率只剩2.09%,我是還留著,
但在239333以後就沒用了,應該是沒什麼人在用了。
4. 玉山王建民悠遊卡,俗稱便當卡
悠遊卡自動加值3次送國民便當,後來變咖啡,再後來王建民傳出緋聞之後,停止發行
就被玉山喵喵卡繼續自動加值3次送咖啡,就此沉下去了。
5. 萬泰MoneyBack御璽卡,算是第一代的公認電影神卡
最初是無條件連鎖影城回饋50%上限300元,再配合636使用,真的是無敵神卡。
再變成月刷2000才可回饋,再變3000,在配合ISHOW卡使用的情況下,還是有一定的使用者
直到玉山Ubear的出現才被完全打趴,退隱江湖。
6. 凱基現金回饋悠遊鈦金Combo卡
凱基買下萬泰的第一張信用卡,配合開立的線上帳戶及自動扣繳帳單,
可以有1.53%的回饋率,在當時算是很高的回饋率,
還推出其他信用卡帳單從凱基帳單扣繳也有回饋的創舉,
當初也是滿多人把所有信用卡都轉到凱基去繳。
後來出了台新@GOGO卡了以後,就被許多人冰了起來,
但最近發現,凱基一直都有海外3%的活動(需配合持卡3年),
雖然每次都只有一季,但似乎每季都有,其實回饋率也還算高,已經跟大戶卡一樣了,
在餵飽大戶的12000後,可以試著挑戰凱基的50000,反正沒到也不損失。
7.台新@GOGO悠遊御璽卡
配合開立網路銀行,有一般1.5%線上3.5%的高回饋率,算是通用型的無腦卡,
但在永豐大戶一般2%及玉山Ubear網購5%的雙重夾擊下,也算是最新的殞落神卡。
從十幾年前回饋三卡:
小戶辦大眾分享、聯邦理財白金;中戶辦永豐八通開始,一路過來紛紛殞落,
大概只剩小套牢還有人在用,其他皆已香消玉殞。
其實以前的舊神卡回饋率也是很高,只是現在通路變多了,變成要一種通路一張卡,
比較不能一張打全部,小戶的情況大概就是:
國內:永豐大戶
國外:永豐大戶 + 台新飛狗
網購/超商:玉山Ubear
行動支付:台新街口
比較不怕麻煩的人可能再掛個大小套牢
講了那麼多,其實也是看到我的永豐八通卡有感而發,
感慨當初為了湊150000到處幫人刷卡,再退人家回饋金,結果現在只能在抽屜裡,
根本不帶出門,留著不剪也只是紀念。
再等等看啥時能有一張歷久彌新,一戰十年的卡,再讓板友們眼睛一亮吧。
--
身旁有個羨煞眾人眼光的女伴
是每個男人的夢想
無奈
這種女生很多
但幸運的
不曾是我 ψyrojoracno
--
Tags:
信用卡
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