※ The following instructions and terms are subject to Chinese exposure
以下相關說明與條款皆以中文揭露為準
※ All dollar amounts below are denominated in NTD / January 2026 Edition
金額表示皆以新臺幣計/115.01修訂版
CTBC Credit Card User Guide
中國信託商業銀行信用卡用卡須知
No-signature-required transactions 免簽名交易注意事項
For domestic purchases under $3,000, some food and beverage outlets, movie theaters, hypermarts, gas stations and other merchants may not require the signature of cardholder for transaction authorization.
持卡人於國內原須以簽名方式結帳之交易，倘消費金額於3,000元以下者，部分之美食街、電影院、大賣場或加油站等特約商店得以免簽名方式結帳。
Limited use of unembossed cards 無凸字卡使用限制
Holders of unembossed credit cards (or debit cards or stored-value card) should be aware that purchases paid with an unembossed card may not be processed if the merchant uses manual card imprint for transaction processing.
持卡人持卡片表面無凸字卡號之信用卡(或轉帳卡或儲值卡)，如特約店以人工手動壓印卡面凸字方式進行刷卡交易時，上述卡片因無法拓印出卡號，將無法進行交易。
Annual Fee 年費
Annual Fee Schedule(Calculated annually; payment is required upon receipt of the billing notice)
年費收費標準(每年計算乙次，待帳單通知時，才須繳費)
| 1. |
TAIPEI 101 Priority Infinite Co-branded Card: NT$28,000 annual fee per card.
台北101尊榮鼎極卡：每卡年費NT28,000元。
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| 2. |
Far Eastern SOGO Priority Infinite Co-branded Card: NT$28,000 annual fee per card.
遠東SOGO鼎尊無限卡：每卡年費NT28,000元
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| 3. |
Wealth Management Member World Card:NT$5,000 annual fee per card.
財管鼎鑽卡：每卡年費5,000元。
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| 4. |
Infinite Card / World Card / Eternity Card: NT$5,000 annual fee per principal or supplementary card.
鼎極卡：正、附卡，每卡NT5,000元。
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| 5. |
Titanium / Signature / Precious / TitaniumBusiness / Signature Business Card:NT$1,800 per principal card; NT$900 per supplementary card.
鈦金卡、御璽卡、晶緻卡、商務鈦金卡、商務御璽卡：正卡每卡NT1,800元；附卡每卡NT900元。
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| 6. |
PlatinumCard: NT$1,500 per principal card; NT$750 per supplementary card.
白金卡：正卡每卡NT1,500元；附卡每卡NT750元。
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| 7. |
Gold Card: NT$600 per principal or supplementary card; Classic Card: NT$300 per principal or supplementary card.
金卡：正、附卡，每卡NT600元；普卡：正、附卡，每卡NT300元。
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| 8. |
China Airlines Co-branded Cards: Priority Infinite Card – Principal card: NT$22,000; supplementary card: annual fee waived. Infinite Business Card – Principal card: NT$8,000; supplementary card: annual fee waived. Signature Business Card – First year: annual fee waived for both principal and supplementary cards; from the second year onward, principal card: NT$1,800; supplementary card: NT$900.
中華航空聯名卡：鼎尊無限卡正卡NT22,000元、附卡免年費；璀璨無限卡正卡NT8,000元、附卡免年費；商務御璽卡正附卡首年免年費(次年起正卡NT1,800元、附卡NT900元)。
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| 9. |
ANA Co-branded Card:Eternity Card / Infinite Card – NT$8,000 per principal card; NT$4,000 per supplementary card. Precious Card / Signature Business Card– NT$2,000 per principal card; NT$1,000 per supplementary card.Signature Card – First year: annual fee waived for both cards; from the second year onward, principal card: NT$1,800; supplementary card: NT$900.Platinum Card – First year: annual fee waived for both cards; from the second year onward, principal card: NT$1,500; supplementary card: NT$750.
ANA聯名卡：極緻卡/無限卡正卡每卡NT8,000元，附卡每卡NT4,000元；晶緻卡/商務御璽卡正卡每卡NT2,000元，附卡每卡NT1,000元；御璽卡正、附卡首年免年費，次年起正卡每卡NT1,800元；附卡每卡為NT900元；白金卡正、附卡首年免年費，次年起正卡每卡NT1,500元；附卡每卡NT750元。
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| 10. |
Greater China Connection Co-branded Card:Infinite Card –NT$8,000; supplementary card: annual fee waived; Signature Business Card –NT$2,200; supplementary card: annual fee waived.
大中華攜手飛聯名卡：無限卡正卡NT8,000元、附卡免；商務御璽卡正卡NT2,200元、附卡免。
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| 11. |
Business Card: NT$4,500 per principal or supplementary card; Business Travel Card (Issued before April 2019): NT$3,000 per card; for the second and each additional card, NT$1,500 per card. Supplementary cards are also NT$3,000 per card; for the second and each additional supplementary card, NT$1,500 per card.
商務卡：正、附卡，每卡NT4,500元；商旅卡：(108/4以前所發行)每卡NT3,000元，加辦第二卡，第二卡起NT1,500元；附卡亦為NT3,000元，加辦第二卡，第二卡起NT1,500元。
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| 12. |
LEXUS Co-branded Card: Annual fee waived for the first year; from the second year onward, the annual fee is NT$10,000 for the principal card, and the supplementary card is exempt from the annual fee.
LEXUS聯名卡：首年免年費、次年正卡年費NT10,000元，附卡免年費。
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| 13. |
CTBC Global American Express Card, and CTBC Gold American Express Card: Subject to Gold Card standards.
寰遊美國運通卡、美國運通金卡：適用金卡標準。
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| 14. |
Life & Travel Card: NT$888 annual fee per principal or supplementary card.
享想生活御璽卡：正、附卡，每卡NT888元。
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| 15. |
Tzu Chi Charity Affinity Card, andTaiwan Fund for Children and Families Affinity Card, and Xue Xue Affinity Card, and Paper Windmill Affinity Card, and other Co-branded or Affinity Card: Handled in accordance with the signed agreement.
慈濟認同卡、家扶認同卡、學學認同卡、紙風車認同卡及其它聯名/認同卡：依所簽訂合約辦理。
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| 16. |
Corporate Card: NT$2,400 annual fee per card.
公司卡：每卡NT2,400元。
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Cash Advance Fee 預借現金手續費
Cardholders who wish to use their credit card for a cash advance shall follow the rules and procedures of CTBC and the cash advance institutions. Cash advances for dual-currency cardholders are subject to different currencies and handling fees, depending on the area where the cash is drawn, which however may be paid off at any time as explained below:
1.Cash advances made in Taiwan will be denominated in NTD and charged a fee at 3.5% of the amount drawn plus NT$150.
2.Cash advances made outside Taiwan will be denominated in the agreed foreign currency and charged a fee at 3.5% of the amount drawn plus an agreed amount (US$5/JPY550).
3.The cash advance fee will be the same as the fee charged for cash advance in Taiwan for dual currency cards.
持卡人辦理預借現金時，須依本行及辦理預借現金之機構有關規定及程序辦理。雙幣卡依持卡人辦理預借現金之地區不同而有不同計價幣別及手續費，且得隨時清償。說明如下：1.台灣境內以新臺幣計收，並應繳付本行依每筆預借現金金額3.5%加上新臺幣150元計算之手續費。2.國外地區以約定外幣計收，並應繳付本行依每筆預借現金金額3.5%加上依約定外幣幣別(美元5元/日圓550元)計算之手續費。3.應繳付之手續費同雙幣卡台灣境內之計收標準。
Minimum Payment Due 最低應繳金額
Minimum payment due in each billing cycle will be 10% of card charges incurred in the current billing cycle plus 5% of all other balance due , the sum of unpaid minimum payment due in previous billing cycles, finance charges, late fee and annual fee, cash advance fees, principal due under installment plan and installment fee or interest, card loss report fee, sales draft retrieval fee, copy statement fee , foreign transaction service fee, automatic fund investment payment, transactions on offshore investment trading platforms (e.g. eToro or similar offshore investment trading platforms) not approved by the competent authority and other fees and charges payable. The minimum payment due on each card will be rounded up to the nearest hundred. If the sum exceeds the balance due for the current period, the minimum payment is the amount payable. If the combined payments due on the principal and supplementary cards, plus any card charges in excess of the credit limit, are below NT$1,000, the minimum payment due shall be NT$1,000. If the balance due is under NT$1,000 in the current period, the minimum payment will be the total amount payable. If a cardholder holds 2 or more credit cards issued by CTBC (including all credit cards held by principal and supplementary cardholders under the same account), the minimum payment due for each billing cycle shall be the sum of the NTD minimum payment dues of all cards. The minimum payment due for a dual-currency credit card will be calculated separately for each currency, where the funds in each currency account of the cardholder cannot be converted freely unless it is otherwise agreed between the cardholder and CTBC that surplus NTD in cardholder's NTD account may be converted to the agreed foreign currency when the balance in the foreign currency account is insufficient to pay the foreign-currency minimum payment due.
持卡人每期最低應繳金額為當期新增各卡一般消費應付帳款之10%，加計其餘應付帳款之5%、累計以前各期逾期未付最低應繳款項之總和、循環信用利息、違約金及年費、預借現金手續費、分期交易每期本金及分期手續費或分期利息、掛失手續費、調閱簽帳單手續費、補寄帳單手續費、國外交易手續費、定期定額申購基金及於非主管機關核准之境外投資交易平台業者(如eToro或相類似境外投資交易平台)所進行交易之款項等其它應繳費用，各卡尾數進位至佰元，若高於各卡該期之應付帳款，則最低應繳金額等於該應付帳款；歸戶正附卡合併計算後，加計超過信用額度之全部使用信用卡交易金額，如低於新臺幣壹仟元，以新臺幣壹仟元計，若該期總應付帳款不足壹仟元，則最低應繳金額等於總應付帳款。持卡人如同時持有發卡機構二張以上之信用卡(包括同一信用卡歸戶內正、附卡持卡人持有之所有信用卡)者，其每期最低應繳金額為各卡最低應繳金額之總和。雙幣卡兩幣別之應付帳款各自計算其最低應繳金額，除與持卡人另行約定外幣存款帳戶餘額不足而依約將新臺幣存款帳戶內之新臺幣轉換為約定外幣外，雖其他任一幣別的存款帳戶內有多餘金額仍不能任意轉換。
1.Minimum payment due for NTD charges 新臺幣帳款最低應繳金額
Minimum payment due in NTD will be calculated the same as described above. 同上述最低應繳金額之計算方式。
2.Minimum payment due for agreed foreign currency charges 外幣帳款最低應繳金額
Foreign currency minimum payment due in each billing cycle shall be10%of general card charges denominated in the agreed foreign currency incurred in the current billing cycle plus 5%of all other balance due in the agreed foreign currency, the sum of transactions on offshore investment trading platforms (e.g. eToro or similar offshore investment trading platforms) not approved by the competent authority, the sum of unpaid minimum payment due in previous billing cycles, finance charges, cash advance fees, principal due under installment plan, foreign transaction service fee and automatic fund investment payment and other fees and charges payable (all denominated in the agreed foreign currency). The minimum payment due on each card will be rounded up to the nearest integer. If the combined payments due on the principal and supplementary cards, plus any card charges denominated in the agreed foreign currency and in excess of the credit limit, are below US$30 or JPY 3,500, the minimum payment due shall be US$30 or JPY 3,500. If a cardholder holds 2 or more dual-currency credit cards issued by CTBC (including all credit cards held by principal and supplementary cardholders under the same account), the minimum payment due for each billing cycle shall be the sum of the minimum payment dues (denominated in the agreed foreign currency) of all cards.
2.雙幣卡持卡人約定外幣帳款每期最低應繳金額為當期新增雙幣卡各卡約定外幣一般消費應付帳款之10%，加計雙幣卡各卡約定外幣其餘應付帳款之5%、超過信用額度之全部使用信用卡之約定外幣交易金額、於非主管機關核准之境外投資交易平台業者（如eToro或相類似境外投資交易平台）所進行交易之金額、累計以前各期逾期未付最低應繳款項之總和、循環信用利息、預借現金手續費、分期交易每期本金、國外交易手續費及定期定額申購基金之款項等其它應繳費用（以上均指約定外幣部分），各卡尾數取至個位數(元)，歸戶正附卡合併計算後，加計超過信用額度之全部使用信用卡交易金額，如低於美元參拾元或日圓參仟伍佰元，以美元參拾元或日圓參仟伍佰元計。持卡人如同時持有本行二張以上之雙幣卡(包括同一信用卡歸戶內正、附卡持卡人持有之所有信用卡)者，其每期最低應繳金額為各卡同一約定外幣最低應繳金額之總和。
3.General card charges" mentioned above excludes principal due under installment plan and cash advances.
3.前述「一般消費」應付帳款不包含分期付款交易金額與預借現金帳款。
Finance Charges 循環信用利息
1.Each "revolving credit charge" will, starting from the date the charge is posted and based on the balance of the charge, incur finance charge at a preferential interest rate (a floating rate adjusted based on your bank's rate on adjustable rate mortgages (ARM rate), which is 15% APR at the maximum; the maximum finance charge of 15% applies to cardholders who are not eligible for preferential rate) until the charge is paid off. 2.The finance charge for balance due in dual-currency cards will be calculated separately for each currency. The finance charge on NTD balance due will be charged in NTD, while the finance charge on agreed foreign currency balance due will be charged in the agreed foreign currency. Finance charges in NTD and the agreed foreign currency will be calculated in accordance with Article 15 of the Credit Card Agreement. A cardholder who pays off all balance due before the payment due date for the current billing cycle or the remaining unpaid balance after payment is less than NT$1,000 or an equivalent foreign currency thereof, no finance charge will incur for the current billing cycle. If a cardholder holds 2 or more credit cards issued by CTBC (including all credit cards held by principal and supplementary cardholders under the same account), the finance charge for each billing cycle shall be the sum of the finance charges on all cards. 3.CTBC's preferential interest rate is a floating rate (15% APR at the maximum) = CTBC ARM rate (which is adjusted and posted on CTBC website on the 23rd of February, May, August and November each year) + markup rate applicable to different customer segments (the markup rate ranges between 5.97% ~ 13.47%). The markup rate above will be reviewed periodically and automatically by the system at least once every 3 months based on cardholder's dealings with CTBC and overall credit performance (including but not limited cardholder's payment record, card charges, JCIC credit record, etc.) and taking into consideration CTBC's cost of funds and operating costs. The markup rate will be adjusted in accordance with the CTBC ARM rate during the period the preferential interest rate applies. If the preferential interest rate applicable to a cardholder is adjusted higher, CTBC will, 60 days before the new rate takes effect, notify the cardholder via credit card statement, in writing, electronic document or other agreed manners (when CTBC raises its ARM rate, CTBC will post it at its business premises and on its website, and notify the cardholders in writing or other manners as agreed with the cardholders, to which the agreement under Article 21 does not apply).※The card issuer's ARM rate is the average one-year time deposit fixed rate of 10 banks (Bank of Taiwan, Taiwan Cooperative Bank, Land Bank of Taiwan, First Bank, Chang Hwa Bank, Hua Nan Bank, Taiwan Business Bank, Cathay United Bank, Mega International Commercial Bank and Taipei Fubon Bank) sampled in the first 7 days after the rate effective date (23rd of February, May, August and November each year) (based on the information announced by the Central Bank at 11:30am on the day). To protect customer interests, CTBC will kick out the highest and the lowest two rates of the 10 banks sampled each time, using the average of the remaining 6 banks for calculation basis. 4.The rate on finance charges will be set based on the credit status of the principal cardholder, his/her credit segment classified by the credit scoring system and CTBC's own funding and operating costs (including operating profits), which does not differ for one-currency and dual-currency cardholders. 5.Description of a calculation example: (e.g. an NTD account) A is a cardholder with a billing cycle on the 5th day each month (meaning the closing date is on the 5th day each month) and the due date on the 23rd day each month. The cardholder spent NT$10,000 on March 25, and the spending is recorded in the credit card account (meaning the settlement date, at an interest rate of 15%) on March 28. The statement printed on April 5 will include a total amount due of NT$10,000 and a minimum payment of NT$1,000. The cardholder has new spending of NT$8,000 on April 27, and the spending is recorded in the credit card account at an interest rate of 13% on April 30. The cardholder paid the minimum payment of NT$1,000 on April 23, so the statement printed on May 5 will include a minimum payment of NT$1,400, an APR interest of NT$144, and a total amount due of NT$17,144. The calculation formulas for the minimum payment and APR interest are as follows: The statement on April 5 indicates new spending of NT$10,000 for the current period, a zero APR interest, a total amount due of NT$10,000, and a minimum payment of NT$1,000 (NT10,000 [the new spending of the current period]*10%). The statement on May 5 indicates new spending of NT$8,000 for the current period, an APR interest of NT$144 (NT$9,000 [principal of the interest for the current period, NT$10,000 [the new spending] - NT$1,000 [the paid amount]*15%*39 [March 28 - May 5]/365), a total amount due of NT$17,144 (NT$9,000 [principal of the interest for the current period] + NT$8,000 [the new spending] + an APR interest of NT$144), and a minimum payment of NT$1,394 (NT$8,000 [the new spending]*10% + NT$9,000*5% + NT$144 [APR interest]). The minimum payment is rounded up to the nearest hundred at NT$1,400. Following up, the cardholder paid the minimum payment of NT$1,400 on May 23. The statement on June 5 indicates a minimum payment of NT$1,000, an APR interest of NT$204, and a total amount due of NT$15,948. The calculation formulas for the minimum payment and APR interest are as below: The statement on June 5 shows no new spending. Its APR interest is NT$204, a sum of NT$99 (NT$9,000 [the outstanding payment from the previous period] - (the paid amount of NT$1,400 - an APR interest of NT$144)*15%*31 [May 6 - June 5]/365) and NT$105 (NT$8,000 [new principal of the interest for the current period]*13%*37 [April 30 - June 5]/365). The calculation formula for the total amount due of NT$15,948: NT$9,000 [the outstanding payment from the previous period] - (NT$1,400 [the paid amount] - NT$144 [APR interest]) + NT$8,000 (new principal of the interest for the current period) + NT$204 (APR interest). The minimum payment of NT$1,000 is a rounded number from NT$991; its calculation formula is: NT$9,000 - (NT$1,400 - NT$144)+ NT$8,000)*5% + NT$204.
1.係將每筆「得計入循環信用本金之帳款」，自各筆帳款入帳日起，就該帳款之餘額以入帳日起應適用之信用優惠利率(依貴行定儲利率指數浮動調整，其最高上限為年息為15%，未符合信用優惠利率者適用之循環信用利率為15%)計算至該筆帳款結清之日止(元以下四捨五入)。2.雙幣卡兩幣別之應付帳款各自計算循環信用利息，持卡人新臺幣應付帳款之循環信用利息以新臺幣金額收取，約定外幣應付帳款之循環信用利息將以約定外幣金額收取。新臺幣及約定外幣循環信用利息之計算依信用卡約定條款第十五條之規定辦理。持卡人於當期繳款截止日前結清全部應付帳款、或繳款後剩餘未付款項不足新臺幣壹仟元或等值約定外幣，則當期產生之循環信用利息不予計收；持卡人如同時持有本行二張以上信用卡(包括同一信用卡歸戶內正、附卡持卡人持有之所有信用卡)者，其每期循環信用利息為各卡循環信用利息之總和。3.本行信用優惠利率將採浮動式利率，該浮動式利率(以年息為15%)=本行定儲利率指數(即ARMs利率，該利率於每年2、5、8、11月23日於本行網站公告調整)+不同客戶區隔適用之加碼利率(該加碼利率區間為5.97%∼13.47%)。上述信用優惠利率之加碼利率至少每3個月依持卡人與本行往來紀錄及整體金融信用表現(包括但不限於持卡人之繳款紀錄、消費情形與聯徵中心信用紀錄等)，並考量本行資金成本及營運成本等因素，由系統定期進行自動化評核，且信用優惠利率之適用期間，仍會依本行定儲利率指數浮動調整。持卡人適用之信用優惠利率如有調高者，本行應於60日前以信用卡帳單、書面、電子文件或其他約定方式通知持卡人(如本行定儲利率指數調高時，本行除於營業場所及其網站公告外，應以書面或其他約定方式通知持卡人，得不適用第二十一條之約定)。※發卡機構定儲利率指數(即ARMs利率)是取樣台銀、合庫、土銀、一銀、彰銀、華銀、台灣企銀、國泰世華、兆豐銀行及台北富邦銀行等十家銀行之一年期定儲固定利率，取樣日期為利率生效日(每年的2、5、8、11月之23日)前7天之平均數(資訊以央行當日11：30am公告資訊為準)，而且為保障客戶權益，每次取樣時，排除此十家銀行中，利率最高及利率最低各兩家銀行，以剩餘六家銀行的平均利率為計算基準。4.循環信用利率係依照正卡持卡人之信用狀況，依信用評分系統訂定不同等級之信用風險區隔，並考量資金及營運成本(含營運利潤)後訂定，不因持卡人持雙幣卡而有所不同。5.計算範例說明：(以新臺幣帳款為例)某甲為每月5日帳單週期(即以每月5日為結帳日)之卡友，繳款截止日為每月23日，若3月25日某甲消費10,000元，且該筆消費款於3月28日登入其信用卡帳號(即入帳日，當時適用利率為15%)，則於4月5日所印製之某甲帳單會列有應繳總金額10,000元，其最低應繳款為1,000元。如4月27日某甲又新增消費8,000元，該筆消費於4月30日登入其信用卡帳號(當時適用利率為13%)，且某甲於4月23日繳足最低應繳款1,000元，則其5月5日之帳單之最低應繳款為1,400元，循環信用利息144元，當期應繳總金額為17,144元，最低應繳款及循環信用利息計算，算式如下：4月5日帳單：當期新增消費金額為10,000元，無循環信用利息，總應繳金額為10,000元，最低應繳款為10,000元(當期新增消費)*10%＝1,000元。5月5日帳單：當期新增消費金額為8,000元，循環信用利息為新增當期計息本金9,000元(上期新增消費10,000元-繳款1,000元)*15%*39(3月28日至5月5日)/365=144元，總應繳金額為新增當期計息本金9,000元+當期新增消費8,000元+循環息144元=17,144元，最低應繳款為8,000元(當期新增消費)*10%+9,000元*5%+144元(循環信用利息)＝1,394元，取百元進位後為1,400元。承上，某甲於5月23日繳足最低應繳款1,400元，其6月5日之帳單之最低應繳款為1,000元，循環信用利息204元，當期應繳總金額為15,948元，最低應繳款及循環息計算，算式如下：6月5日帳單：無當期新增消費金額循環信用利息為(前期剩餘未付款項9,000元-(繳款1,400元-循環息144元))*15%*31(5月6日至6月5日)/365=99元+新增當期計息本金8,000元*13%*37(4月30日至6月5日)/365=105元，合計共204元。總應繳金額為前期剩餘未付款項9,000元-(繳款1,400元-循環息144元)+新增當期計息本金8,000元+循環息204元=15,948元。最低應繳款為(9,000元-(1,400元-144元)+8,000元)*5%+204元=991元取百元進位後為1,000元。
