恭喜成功加入Money101電子報
最後更新於 2023 年 12 月 4 日
2023 進入尾聲，不少銀行開始進行信用卡權益更新，而星展銀行 eco 永續卡也早早公布卡片回饋，不過 2024 星展 eco 永續卡權益縮水，原先國內消費國內 2%、國外最高 3% 的回饋，在新的一年將改成國內外消費 1.5% 回饋無上限，想知道更多最新優惠或權益訊息，一定要持續追蹤我們整理的星展銀行 eco 永續卡攻略。更多信用卡首刷可參考：【滙豐銀行新戶通路限定首刷禮】、【信用卡首刷禮推薦】
正卡申請人：年齡介於 18-65 歲且年收入達新台幣 22 萬(含)以上 （僅接受非學生身分申請）
附卡申請人：年齡介於 15-75 歲且為正卡申請人之父母、配偶父母、配偶、子女（須年滿15歲）或兄弟姊妹（須年滿20歲）
年費收費標準：正卡 3,000 元、附卡免年費
免年費優惠辦法（3 項擇 1）：
2023年無腦刷信用卡推薦 |
|||
| 信用卡 |  台新銀行 玫瑰giving卡  |
 玉山銀行 熊本熊卡 |
 滙豐銀行 現金回饋御璽卡 |
| 回饋 | 旅遊消費最高8% 國內消費最高3% 國外消費最高3% |
國內消費最高3% 日本消費最高8.5% 國外消費免收1.5%交易費 |
國內消費1.22% 海外消費2.22% 無消費門檻、回饋無上限 |
| 新戶優惠 | - | 核卡後45天內新增國內一般消費累積滿1,999元(含)以上，贈【熊本熊官方授權20吋行李箱】 | 👉Doris 29吋胖胖行李箱 👉旅狐19＋27吋行李箱組 👉宜睿2000元福利即享券 |
| 製表：Money101 | |||
目前星展沒有首刷禮活動，想知道其他銀行的首刷禮活動，可參考：【滙豐銀行新戶通路限定首刷禮】、【信用卡首刷禮推薦】
熱門理財省錢撇步分析
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- 當期帳單所得之現金積點將有效18個月
, 國外回饋最高3%- 每筆國外消費 2.55% 現金積點回饋無上限
- 當期帳單新增消費高於2萬，加碼 0.45%現金積點回饋無上限
, 兌換哩程也很哩想- 2023/1/1~2023/7/31每100點現金積點兌換亞洲萬里通100里數
- 2023/8/12~2023/12/31每100點現金積點兌換亞洲萬里通/長榮200里數
, 亞洲市場第一張環保信用卡 | 利用可再生資源製造且為可分解材質, 電動機車充電資費，共享汽機車租借最高7%回饋], cons=[現金積點1點 = NT$1元, 消費定義- 國內消費是指交易商店之國別為台灣地區且交易幣別新台幣之一般交易
- 國內/外一般消費使用行動支付付款同樣享有現金回饋
]}, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=20, description={shortDescription=20歲, longDescription=null, tooltip=null}}, {type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=220000, description={shortDescription=NT$220,000, longDescription=null, tooltip=null}}], apr=[{type={key=RETAIL_APR, display=循環信用利率}, value=null, description={shortDescription=星展銀行(台灣)信用卡循環利率區間：5.99%~14.99%循環利率基準日：民國107年2月1日。預借現金手續費：預借現金金額乘以2.5%+NT$ 150。其他費用歡迎至星展銀行(台灣)網站www.dbs.com.tw查詢。, longDescription=null, tooltip=null}}], fees=[{type={key=ANNUAL_FEE, display=年費}, value=null, description={shortDescription=正卡 NT$3,000，附卡免年費。年費減免條件：
（1）正卡持卡人持卡第一年免收年費；
（2）持卡第二年起，凡當年度達成以下 3 項指定條件中任何 1 項，可免繳次年年費：
1）正卡年度累計交易次數達 12 次
2）正卡年度累計消費金額達 NT$30,000
3）全年度使用信用卡電子帳單, longDescription=null, tooltip=null}}, {type={key=FOREIGN_CURRENCY_TRANSACTION_FEE, display=國外刷卡手續費}, value=null, description={shortDescription=1.5 %, longDescription=null, tooltip=null}}, {type={key=INTEREST_RATE, display=最低年利率}, value=null, description={shortDescription=, longDescription=null, tooltip=null}}], offers={welcomeOffers=[{reward=[]}], exclusiveOffers=[{reward=[]}], additionalOffers=[{reward=[{title=電動機車資費回饋最高7%(含加碼5%回饋及國內消費最高2%回饋), tandc={shortDescription=null, longDescrition=- Gogoro Network (PBGN) | 例如:Gogoro、宏佳騰、 PGO等品牌
- 中華汽車 e-Moving
*限使用官方APP繳費，每月加碼上限100點
}}, {title=共享汽機車租借回饋最高7%(含加碼5%回饋及國內消費最高2%回饋), tandc={shortDescription=null, longDescrition=- Wemo 威摩電動機車
- iRent 和雲行動服務
- Zipcar 共享汽車
- ZOCHA共享電動機車
*限使用官方APP綁卡租用，每月上限200點
}}]}]}}
(SizeLimitingPyMap: {market=money101, badges={show=false, exclusive={background={color=#CCFBF1, opacity=100, rgba=rgba(204, 251, 241, 1), rgb=rgb(204, 251, 241), hex=#CCFBF1, css=#CCFBF1}, color={color=#0D968B, opacity=100, rgba=rgba(13, 150, 139, 1), rgb=rgb(13, 150, 139), hex=#0D968B, css=#0D968B}, text=Exclusive Offer}, featured={background={color=#FFF6EB, opacity=100, rgba=rgba(255, 246, 235, 1), rgb=rgb(255, 246, 235), hex=#FFF6EB, css=#FFF6EB}, color={color=#E9590C, opacity=100, rgba=rgba(233, 89, 12, 1), rgb=rgb(233, 89, 12), hex=#E9590C, css=#E9590C}, text=Featured}, welcome={background={color=#E5F4FF, opacity=100, rgba=rgba(229, 244, 255, 1), rgb=rgb(229, 244, 255), hex=#E5F4FF, css=#E5F4FF}, color={color=#0080F0, opacity=100, rgba=rgba(0, 128, 240, 1), rgb=rgb(0, 128, 240), hex=#0080F0, css=#0080F0}, text=Welcome Gift}, popular={background={color=#c6b0d9, opacity=100, rgba=rgba(198, 176, 217, 1), rgb=rgb(198, 176, 217), hex=#c6b0d9, css=#c6b0d9}, color={color=#9a6fbf, 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ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, static_text={cta_button_label=立即申請, rewards=首刷禮, see_less=隱藏信息, see_more=閱讀更多, cta_button_subtext=, yes=Yes, no=No, day=Day, days=Days}, product_singsaver={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, tabs={eligibility={heading=申辦資格, text=申辦資格, show=true, expanded=false, order_sequence=1}, features={heading=卡片權益, show=true, expanded=true, order_sequence=1}, fees={heading=年費, show=true, expanded=false, order_sequence=1, labels={fee_frequency=Fee Frequency, duration_of_inactivity=Duration of Inactivity, duration_of_inactivity_indicator=Duration of Inactivity Indicator}}, promotions_terms_and_conditions={show=false, expanded=false, order_sequence=1, heading=Terms & Conditions, additional_offer=Additional Offer, exclusive_offer=Exclusive Offer, welcome_offer=Welcome Offer}, usage={show=false, expanded=false, order_sequence=1, heading=Usage, labels=[]}, show=true, basic_benefit={show=true, expanded=false, order_sequence=1, heading=Basic Benefits, items=[]}, enhanced_benefit={show=true, expanded=false, order_sequence=1, heading=Enhanced Benefits, items=[]}, other_benefit={show=true, expanded=false, order_sequence=1, heading=Other Benefits, items=[]}, benefit_limits={show=true, expanded=false, order_sequence=1, heading=Benefit Limits, items=[]}}, product_moneymax={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, style={primary={color=#00AAFB, opacity=100, rgba=rgba(0, 170, 251, 1), rgb=rgb(0, 170, 251), hex=#00AAFB, css=#00AAFB}, call_to_action_background={color=#F97316, opacity=100, rgba=rgba(249, 115, 22, 1), rgb=rgb(249, 115, 22), hex=#F97316, css=#F97316}, call_to_action_color={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, call_to_action_subtext_color={color=#687076, opacity=100, rgba=rgba(104, 112, 118, 1), rgb=rgb(104, 112, 118), hex=#687076, css=#687076}, theme=default, summary_section_label={color=#18794E, opacity=100, rgba=rgba(24, 121, 78, 1), rgb=rgb(24, 121, 78), hex=#18794E, css=#18794E}, star_rating={background={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, fill={color=#FFFF04, opacity=100, rgba=rgba(255, 255, 4, 1), rgb=rgb(255, 255, 4), hex=#FFFF04, 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sortValue=220000000, displayValue=220,000, tooltip=null, description=, prefix=NT$, suffix=}], ctaButton=null, functional={metaData={alias=星展銀行飛行鈦金卡}, rateTableEntries=null, fees=null, defaults=null}, provider={alias=星展銀行, providerName=星展銀行}, description={shortDescription=[謹慎理財 信用至上, 全年使用電子帳單享免年費]}, productName=星展銀行 飛行鈦金卡, title=TW.CC.DBSX0003.星展銀行 飛行鈦金卡, features={title=Features, pros=[<strong>輕鬆兌換飛行積金</strong> <ul> <li>海外刷卡每NT$20累積1點飛行積金</li> <li>國內刷卡每NT$30累積1點飛行積金</li> <li>持卡期間終身有效</li> <li>飛行積金可兌換「亞洲萬里通」、「長榮無限萬哩遊」、「新航獎勵計劃KrisFlyer」、「華夏哩程酬賓計劃」四大航空公司的旅遊獎勵計劃<br>*單筆最低兌換門檻為 3,000 點飛行積金，兌換基準以每 1,000 點飛行積金為倍數</li> </ul>, <strong>卡友優惠</strong> <ul> <li>全球龍騰出行機場貴賓室優惠價</li> <li>國際機場接機或送機優惠價最低NT$628起</li> <li>1年3次每次最多5天國際機場外圍停車禮遇</li> <li>最高新臺幣2千萬公共運輸工具旅遊平安險</li> <li>全球禮賓尊榮秘書</li> <li>刷卡消費即時簡訊服務</li> </ul>, <strong>回饋須知</strong><ul><li>飛行積金每1,000點可以折抵指定商店NT$100消費款項；每100點可兌換1小時「台灣聯通停車場」、「中興嘟嘟房停車場」、「詮營停車場」、「永固便利停車場」或「福慧網停車場」的免費停車時數</li></ul>], cons=[]}, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=20, description={shortDescription=20 歲, longDescription=null, tooltip=null}}, {type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=220000, description={shortDescription=NT$ 220,000, longDescription=null, tooltip=null}}], apr=[{type={key=RETAIL_APR, display=循環信用利率}, value=null, description={shortDescription=星展銀行(台灣)信用卡循環利率區間：5.99%~14.99%循環利率基準日：民國107年2月1日預借現金手續費：預借現金金額乘以2.5%+NT$ 150。其他費用歡迎至星展銀行(台灣)網站www.dbs.com.tw查詢。, longDescription=null, tooltip=null}}], fees=[{type={key=FOREIGN_CURRENCY_TRANSACTION_FEE, display=國外刷卡手續費}, value=null, description={shortDescription=1.5 %, longDescription=null, tooltip=null}}, {type={key=INTEREST_RATE, display=最低年利率}, value=null, description={shortDescription=, longDescription=null, tooltip=null}}, {type={key=ANNUAL_FEE, display=年費}, value=null, description={shortDescription=鈦金卡NT$1,200元。免年費條件：首年免年費，持卡第二年起，凡當年度 正卡年度累計交易次數達12次 或 正卡年度累計消費金額達NT$30,000 或 全年度使用信用卡電子帳單 可免繳次年年費。, longDescription=null, tooltip=null}}], offers={welcomeOffers=[{reward=[]}], exclusiveOffers=[{reward=[]}], additionalOffers=[{reward=[]}]}})
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{__typename=CompareElementSimple, title={key=CASHBACK_LOCAL_ONLINE_SHOPPING, display=網購回饋}, sortValue=9007199254740991, displayValue=不適用, tooltip=null, description=, prefix=, suffix=}, {__typename=CompareElementSimple, title={key=AIRMILES_WELCOME_OFFER_TOTAL, display=首刷哩程回饋}, sortValue=9007199254740991, displayValue=不適用, tooltip=null, description=, prefix=, suffix=}, {__typename=CompareElementSimple, title={key=CASHBACK_WELCOME_OFFER, display=首刷(類)現金回饋}, sortValue=9007199254740991, displayValue=不適用, tooltip=null, description=, prefix=, suffix=}, {__typename=CompareElementSimple, title={key=PROVIDER_REWARD_POINTS, display=最高積點倍數}, sortValue=9007199254740991, displayValue=不適用, tooltip=null, description=, prefix=, suffix=}, {__typename=CompareElementSimple, title={key=CASHBACK_OCTOPUS, display=繳稅現金回饋}, sortValue=9007199254740991, displayValue=不適用, tooltip=null, description=, prefix=, suffix=}, {__typename=CompareElementSimple, title={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, sortValue=220000000, displayValue=220,000, tooltip=null, description=, prefix=NT$, suffix=}], ctaButton=null, functional={metaData={alias=星展銀行飛行鈦金卡}, rateTableEntries=null, fees=null, defaults=null}, provider={alias=星展銀行, providerName=星展銀行}, description={shortDescription=[謹慎理財 信用至上, 全年使用電子帳單享免年費]}, productName=星展銀行 飛行鈦金卡, title=TW.CC.DBSX0003.星展銀行 飛行鈦金卡, features={title=Features, pros=[輕鬆兌換飛行積金 - 海外刷卡每NT$20累積1點飛行積金
- 國內刷卡每NT$30累積1點飛行積金
- 持卡期間終身有效
- 飛行積金可兌換「亞洲萬里通」、「長榮無限萬哩遊」、「新航獎勵計劃KrisFlyer」、「華夏哩程酬賓計劃」四大航空公司的旅遊獎勵計劃
*單筆最低兌換門檻為 3,000 點飛行積金，兌換基準以每 1,000 點飛行積金為倍數
, 卡友優惠 - 全球龍騰出行機場貴賓室優惠價
- 國際機場接機或送機優惠價最低NT$628起
- 1年3次每次最多5天國際機場外圍停車禮遇
- 最高新臺幣2千萬公共運輸工具旅遊平安險
- 全球禮賓尊榮秘書
- 刷卡消費即時簡訊服務
, 回饋須知- 飛行積金每1,000點可以折抵指定商店NT$100消費款項；每100點可兌換1小時「台灣聯通停車場」、「中興嘟嘟房停車場」、「詮營停車場」、「永固便利停車場」或「福慧網停車場」的免費停車時數
], cons=[]}, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=20, description={shortDescription=20 歲, longDescription=null, tooltip=null}}, {type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=220000, description={shortDescription=NT$ 220,000, longDescription=null, tooltip=null}}], apr=[{type={key=RETAIL_APR, display=循環信用利率}, value=null, description={shortDescription=星展銀行(台灣)信用卡循環利率區間：5.99%~14.99%循環利率基準日：民國107年2月1日預借現金手續費：預借現金金額乘以2.5%+NT$ 150。其他費用歡迎至星展銀行(台灣)網站www.dbs.com.tw查詢。, longDescription=null, tooltip=null}}], fees=[{type={key=FOREIGN_CURRENCY_TRANSACTION_FEE, display=國外刷卡手續費}, value=null, description={shortDescription=1.5 %, longDescription=null, tooltip=null}}, {type={key=INTEREST_RATE, display=最低年利率}, value=null, description={shortDescription=, longDescription=null, tooltip=null}}, {type={key=ANNUAL_FEE, display=年費}, value=null, description={shortDescription=鈦金卡NT$1,200元。免年費條件：首年免年費，持卡第二年起，凡當年度 正卡年度累計交易次數達12次 或 正卡年度累計消費金額達NT$30,000 或 全年度使用信用卡電子帳單 可免繳次年年費。, longDescription=null, tooltip=null}}], offers={welcomeOffers=[{reward=[]}], exclusiveOffers=[{reward=[]}], additionalOffers=[{reward=[]}]}}
(SizeLimitingPyMap: {market=money101, badges={show=false, exclusive={background={color=#CCFBF1, opacity=100, rgba=rgba(204, 251, 241, 1), rgb=rgb(204, 251, 241), hex=#CCFBF1, css=#CCFBF1}, color={color=#0D968B, opacity=100, rgba=rgba(13, 150, 139, 1), rgb=rgb(13, 150, 139), hex=#0D968B, css=#0D968B}, text=Exclusive Offer}, featured={background={color=#FFF6EB, opacity=100, rgba=rgba(255, 246, 235, 1), rgb=rgb(255, 246, 235), hex=#FFF6EB, css=#FFF6EB}, color={color=#E9590C, opacity=100, rgba=rgba(233, 89, 12, 1), rgb=rgb(233, 89, 12), hex=#E9590C, css=#E9590C}, text=Featured}, welcome={background={color=#E5F4FF, opacity=100, rgba=rgba(229, 244, 255, 1), rgb=rgb(229, 244, 255), hex=#E5F4FF, css=#E5F4FF}, color={color=#0080F0, opacity=100, rgba=rgba(0, 128, 240, 1), rgb=rgb(0, 128, 240), hex=#0080F0, css=#0080F0}, text=Welcome Gift}, popular={background={color=#c6b0d9, opacity=100, rgba=rgba(198, 176, 217, 1), rgb=rgb(198, 176, 217), hex=#c6b0d9, css=#c6b0d9}, color={color=#9a6fbf, opacity=100, rgba=rgba(154, 111, 191, 1), rgb=rgb(154, 111, 191), hex=#9a6fbf, css=#9a6fbf}, text=Popular}, time_limited={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=Time Limited}, time_limited_countdown={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=}, best_value={background={color=#EBFEFF, opacity=100, rgba=rgba(235, 254, 255, 1), rgb=rgb(235, 254, 255), hex=#EBFEFF, css=#EBFEFF}, color={color=#088EAF, opacity=100, rgba=rgba(8, 142, 175, 1), rgb=rgb(8, 142, 175), hex=#088EAF, css=#088EAF}, text=Best Value}}, product_moneyhero={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, static_text={cta_button_label=立即申請, rewards=首刷禮, see_less=隱藏信息, see_more=閱讀更多, cta_button_subtext=, yes=Yes, no=No, day=Day, days=Days}, product_singsaver={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, tabs={eligibility={heading=申辦資格, text=申辦資格, show=true, expanded=false, order_sequence=1}, features={heading=卡片權益, show=true, expanded=true, order_sequence=1}, fees={heading=年費, show=true, expanded=false, order_sequence=1, labels={fee_frequency=Fee Frequency, duration_of_inactivity=Duration of Inactivity, duration_of_inactivity_indicator=Duration of Inactivity Indicator}}, promotions_terms_and_conditions={show=false, expanded=false, order_sequence=1, heading=Terms & Conditions, additional_offer=Additional Offer, exclusive_offer=Exclusive Offer, welcome_offer=Welcome Offer}, usage={show=false, expanded=false, order_sequence=1, heading=Usage, labels=[]}, show=true, basic_benefit={show=true, expanded=false, order_sequence=1, heading=Basic Benefits, items=[]}, enhanced_benefit={show=true, expanded=false, order_sequence=1, heading=Enhanced Benefits, items=[]}, other_benefit={show=true, expanded=false, order_sequence=1, heading=Other Benefits, items=[]}, benefit_limits={show=true, expanded=false, order_sequence=1, heading=Benefit Limits, items=[]}}, product_moneymax={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, 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星展 eco 永續卡國內消費 2% 回饋、海外消費最高 3% 回饋，此外共享汽機車、電動車資費等最高 7% 回饋，想看詳細星展 eco 永續卡優惠可參考星展 eco 永續卡權益優惠。
星展 eco 永續卡一般消費 2% 回饋算是無腦刷、適合所有人，如果有購買電動車，或經常騎乘共享汽機車者更推薦。
達到首刷門檻後一定時間內，星展銀行會寄送兌換簡訊。收到簡訊後點擊簡訊專屬兌換連結至 Money101 官網，選擇想要會員好禮 ➡ 登入/註冊Money101 會員後點選立即兌換 ➡ 依收到的滿額禮兌換簡訊輸入密碼即可兌換。