※ 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
Limited use of unembossed cards 無凸字卡使用限制
Annual Fee 年費
Cash Advance Fee 預借現金手續費
Minimum Payment Due 最低應繳金額
Finance Charges 循環信用利息
Late Fee 逾期還款違約金
Authorized Exchange Settlement for Foreign Transactions 國外交易授權結匯
Card Loss Report Fee 掛失停用手續費
Sales Draft Retrieval Fee 調閱簽單手續費
Copy Statement Fee 補寄帳單手續費
Express Delivery Charges快遞服務費
Loss of Card and Other Situations 卡片遺失等情形
Procedure for Handling Questionable Card Charges 帳款疑義之處理程序
Credit Limit 信用額度
Important Notes for Student Cardholders 學生使用信用卡應行注意事項
Outsourcing 本行委外處理

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。
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
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。
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。
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。
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。
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。
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)。
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。
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。
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。
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。
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。
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。
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。
16. Corporate Card: NT$2,400 annual fee per card.
公司卡：每卡NT2,400元。

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。

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