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

Note1：	Registered CTBC cardholders with annual spending≧$360,000 can enjoy first-year annual fee waiver for Infinite Card/World Card/Eternity Card (valid for up to 2 cards; charges will assessed as per set annual fee starting with third Infinite Card/World Card/Eternity Card card). 註1：中信卡歸戶年消費≧36萬元得享鼎極卡首年免年費優惠(歸戶以2卡為限，第3張(含)以上之鼎極卡依年費定價收取)。
Note2：	(1)First Year or Second Year Annual Fee Discount for Infinite Card/ World Card /Eternity Card Holders of Infinite Card/ World Card /Eternity Card are eligible for annual fee discount or waiver as illustrated in the table above; CTBC wealth management customers enjoy additional annual fee discount or waiver for Infinite Card/ World Card /Eternity Card; for eligibility, please refer to relevant rules in CTBC Wealth Management Consumer Rights Guide, or go to CTBC website for detailed information. (2) Annual fee policy for CHT Co-branded Infinite Card/ World Card /Eternity Card:Annual fee for one card is waived if the annual spending per card ≧$360,000 or regular CHT fee payment through CTBC reaches $36,000 or more a year; annual fee for two cards is waived if regular CHT fee payment through CTBC reaches $72,000 or more a year. 註2：鼎極卡次年年費優惠對應表：(1)一般客戶鼎極卡按上表享年費優惠；本行財富管理貴賓另享鼎極卡年費減免優惠，適用資格依本行財富管理權益手冊相關規定，詳情請上網查詢。(2)中華電信聯名卡鼎極卡年費政策：每卡年消費≧36萬或定期代扣繳中華電信電信費達3.6萬元(含)以上可享1卡免年費；達7.2萬元(含)以上可享2卡免年費。
Note3：	Holders of China Airlines Co-branded Card Signature Business Card, Greater China Connection Co-branded Card Signature Card, MUJI Co-branded Card and LINE Pay Card who sign up for e-statements (or during the period the LINE Pay Card is tied up with cardholder's LINE account) enjoy lifetime annual fee waiver. However annual fee will be charged accordingly if the cardholder cancels the e-statements or the tie-up later on. 註3：申請中華航空聯名卡商務御璽卡、大中華攜手飛聯名御璽卡、MUJI無印良品聯名卡、LINE Pay卡於設定電子帳單期間(或LINE帳號綁定LINE Pay卡期間)享有終身免年費，如取消電子帳單或LINEPay解除綁定後將恢復原卡等收費辦法收取年費。
Note4：	(1)Reapplication for Titanium/ Business Travel Titanium/ Signature/ Precious Card within one year after cancellation or termination of the same product will require annual fee. (2) Annual spending on Titanium/ Business Travel Titanium/ Signature/ Precious Card will be calculated separately; second-year annual fee is waived if the new annual spending on principal and supplementary cards combined during the annual fee period reaches $60,000 or more, or the status of Chuan, Ding, Shou or Chuang Wealth is maintained in the month second-year annual fee is charged.(Not applicable to Greater China Connection Co-branded Card Signature Business Card, Corporate Card, Business Card, ANA Precious Card/Signature Business Card) 註4：(1)鈦金卡/商旅鈦金卡/御璽卡/晶緻卡同產品註銷或停用未滿一年再申辦者，皆需繳交年費。(2)鈦金卡/商旅鈦金卡/御璽卡/晶緻卡種之年新增消費金額分開計算，正、附卡於年費計算期間累計年新增消費金額合併計算達6萬元(含)以上或計收年費當月維持傳富家、鼎富家、首富家、創富家資格即免次年年費。(但大中華攜手飛聯名卡商務御璽卡、公司卡、商務卡、ANA晶緻卡/商務御璽卡不適用)
Note5：	For types of credit card below Platinum, new annual spending on principal and supplementary cards will be calculated separately. Second year annual fee will be waived if cumulative new annual spending on separate cards during the annual fee period reaches the designated amount. 註5：白金卡以下各卡種之年新增消費金額正、附卡分開計算，於年費計算期間累計年新增消費金額達指定金額含以上即免次年年費。
Note6：	The unlimited first-year annual fee waiver period for ANA Eternity / Infinite is 2024/1/1–2024/6/30. The first-year annual fee waiver is limited to first-time applications.The annual fee applicable period for China Airlines Co-branded Card Priority Infinite / Infinite Business / ANA Precious / Business Signature is 2024/1/1-2024/6/30. 註6：ANA極緻卡/無限卡年費優惠期間113/1/1-113/6/30，首年年費優惠限首次申辦。中華航空聯名卡鼎尊無限卡/璀璨無限卡/ANA晶緻卡/ANA商務御璽卡年費收費標準適用期間為113/1/1~113/6/30。
Note7：	During the annual fee period, cardholders of the Business Travel Titanium or the League of Legends Card can enjoy a second-year annual fee waiver for principal and supplementary cards if the cardholders have added the CTBC official LINE account and use CTBC LINE personalized services, electronic (mobile) statements, credit card bill auto payments through CTBC deposit accounts, or have logged in to CTBC Home Bank in the six months prior to the day when the annual fee is calculated each year. 註7：商旅鈦金卡及英雄聯盟卡於每年計算年費時，如已加入中國信託LINE官方帳號並成功設定中國信託LINE個人化服務、設定電子(行動)帳單、使用中國信託存款帳號自動扣繳信用卡款，或於每年計算年費時往前推算半年內，如有登入中國信託Home Bank紀錄，即享有該卡正、附卡免次年年費優惠。
Note8：	An annual fee will be required for reapplication for the same product within one year after cancellation or termination of a China Airlines Co-branded Card or Signature Business Card. Annual increases in spending on the same card class from this bank (Signature Card/Titanium Card/Precious Card) will be calculated separately; the second-year annual fee is waived if the new annual spending on principal and supplementary cards combined during the annual fee period reaches $60,000 or more, or the status of Private Plus Family Banking, Private Family Banking, Wealth Plus Family Banking, and Wealth Family Banking is maintained. 註8：中華航空聯名卡商務御璽卡同卡種註銷或停用未滿一年再申辦者，皆需繳交年費。持有本行相同卡種(御璽卡/鈦金卡/晶緻卡)之年增消費金額分開計算，正、附卡於年費計算期間累計年新增消費金額合併計算達6萬元(含)以上或計收年費當月維持傳富家、鼎富家、首富家、創富家資格即免次年年費。
Note9：	If the principal and supplementary cards for the LINE Pay Card, League of Legends Card, Yahoo Card, or Cool One Card have the same design on the face, then they can be combined when calculating the amount spent. If the design on the face of the card is different, then they shall be calculated separately. 註9：LINE Pay卡、英雄聯盟卡、Yahoo卡正附卡如為相同卡面圖樣者可合併計算其消費金額，如為不同卡面圖樣則應分別計算之。

*Please refer to annual fee schedule posted on CTBC website for the method of calculating new annual spending.
※年新增消費金額計算方式，請參考本行網站年費公告說明。

*The annual fee schedule and waiver rules shall be dictated by those published by CTBC at the time the annual fee is due.
※年費收費標準及免收辦法以產生年費時本行最新公告為準。

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。