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中國信託信用卡首刷禮如何兌換？2025年最新中信卡友權益優惠攻略一次看

手機不離身、搭大眾運輸通勤、正尋找出國無腦刷神卡的聰明消費者，想賺更多 LINE Points 回饋嗎？不妨考慮中信 LINE Pay卡，綁定一卡通搭乘大眾運輸享 1% LINE Points 回饋、海外刷無腦2.8%回饋；若想尋找國內外網購、加油省荷包等神卡，Money101已彙整如何申辦最優惠，決定權由你掌握。 

中國信託無腦刷神卡

【LINE Pay刷哪張賺高回饋？】 推薦中國信託 LINE Pay卡，最高享LINE POINTS 16%
【Lalaport刷卡張信用卡？】不妨考慮中信LaLaport聯名卡館內回饋最高享6%，新戶申辦首刷禮最高贈中信點700點

最新中信信用卡推薦刷哪張卡？

🎁 好康消息：Money101通路限定首刷禮享800元即享券、Disegno 24吋小胖箱或AIWA循環扇好禮三選一
你正在找尋 LINE Pay 刷哪一張卡回饋優惠最高嗎？不妨參考中國信託 LINE Pay 信用卡，最高回饋享 LINE POINTS 16%。就算是國外旅遊也很好刷，國外實體商店達 2.8%回饋，至日韓新泰國實體店面消費再加碼2.2%，疊加原有2.8%共享最高達 5%回饋。韓國指定商店LINE Pay支付享LINE POINTS回饋最高 30%！

中國信託 LINE Pay卡

中國信託 LINE Pay卡

國內消費現金回饋
最高 1  %
info
國外消費現金回饋
最高 5  %
info
行動支付現金回饋
最高 30  %
info
旅遊消費現金回饋
最高 16  %
info

3 適用優惠活動

Money101限定首刷好禮多選一
AIWA 愛華 6吋 AC循環扇 DF-602 (不挑色)
AIWA 愛華 6吋 AC循環扇 DF-602 (不挑色)

活動截止日

2025年 06月 30日

Money101限定首刷好禮多選一
Disegno 24吋多功能小胖箱(含杯架)_黑
Disegno 24吋多功能小胖箱(含杯架)_黑

活動截止日

2025年 06月 30日

Money101限定首刷好禮多選一
800元多選一福利即享券(數量有限，兌完截止)
800元多選一福利即享券(數量有限，兌完截止)

活動截止日

2025年 06月 30日

關於這張卡片：

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行動支付回饋

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旅行社折扣

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餐飲回饋

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線上購物回饋

LaLaport 刷哪張信用卡？

🎁 LaLaport聯名卡辦卡優惠：首刷禮最高贈中信點 700點、館內天天享免費停車2小時、悠遊卡消費回饋達10%

中國信託 Mitsui Shopping Park LaLaport聯名卡

中國信託 Mitsui Shopping Park LaLaport聯名卡

國內消費現金回饋
6  %
info
旅遊消費現金回饋
9  折
info
百貨公司消費現金回饋
4  ％
info
悠遊卡消費回饋
10  %
info

適用優惠活動

銀行新戶首刷禮
最高贈送中信點700點
最高贈送中信點700點

活動截止日

2025年 06月 30日

關於這張卡片：

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百貨公司回饋

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餐飲回饋

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旅平險

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機場接送

中信LINE Pay卡好用嗎？

中國信託 LINE Pay卡主打手機電子支付族群，以高便利、迅速結帳及 LINE Friends聯名，不但消費還能累積 LINE POINTS 回饋，一推出即位居全國流通卡數排行，高人氣的卡面及無腦刷回饋衝破辦卡量飆達逾百萬張。LINE Pay卡提供國內一般消費 1%回饋，海外消費則是 2.8%，以 LINE POINTS 形式回饋更擴大 LINE Pay 便利性及消費場域，而針對通勤族，一卡通儲值大眾交通費用也有 1%回饋。
而外，祭出期間限定回饋最高享 16%回饋，這回饋怎麼拿到呢？請見以下詳細中信 LINE Pay卡最新回饋優惠表格：

2025 中國信託 LINE Pay卡回饋表

 指定通路 回饋 活動期間
旅遊族群

日韓新泰實體商店消費

 5% 2025/1/1 - 2025/3/31
Hotels.com/ 易遊網/ 雄獅旅遊/ 東南旅遊/ KKday/ Klook 16% 依各品牌活動頁說明
串流影音 KKBOX指定方案

享 78折，疊加再享 5%

 2025/1/1 - 2025/12/31
外送平台 foodpanda 新戶首購最高 5折 2025/1/1 - 2025/12/31
Uber Eats 5% 2025/1/1 - 2025/3/31
美食饗宴 星巴克 5% 2025/1/1 - 2025/3/31
壽司郎/ 藏壽司/ 客美多/ 摩斯漢堡 10% 2025/1/1 - 2025/3/31
網購族群 蝦皮購物/ LINE禮物 5% 2025/1/1 - 2025/3/31
PChome (SHOPBACK專區） 3% 2025/1/1 - 2025/6/30
樂天市場/博客來/iHerb (SHOPBACK專區） 4% 2025/1/1 - 2025/6/30
誠品線上 (SHOPBACK專區） 4.5% 2025/1/1 - 2025/6/30
生活市集(SHOPBACK專區）   2025/1/1 - 2025/6/30
lative 10% 2025/1/1 - 2025/3/31
美妝/生活百貨
 屈臣氏 週五最高 7% 2025/1/1 - 2025/6/30

精選美妝品牌使用LINE Pay

JO MALONE/ LA MER/ MAC/ BOBBI BROWN/ 資生堂等

 6% 2025/1/1 - 2025/6/30
小北百貨 5% 2025/1/1 - 2025/12/31
家樂福 5% 2025/1/1 - 2025/3/31
唐吉軻德 10％ 2025/1/1 - 2025/3/31
詳細優惠資訊請依照中國信託 LINE Pay卡官方資訊為主

 

中信LINE Pay卡首刷禮怎麼拿？

中國信託首刷禮最新資訊，活動即日起至2025年06月30日止，透過Money101指定連結或中國信託官方網站導連至中國信託LINE Pay卡申辦頁面且成功完成申請，並完成指定首刷任務，即可獲得Money101通路限定首刷禮享NT＄800元多選一福利即享券、Disegno 24吋小胖箱或AIWA 愛華 6吋 AC循環扇(DF-602不挑色)三選一。

1. 活動時間：即日起至2025年06月30日止

2. 申辦方式：透過指定連結或中國信託官方網站導連至中國信託LINE Pay卡申辦頁面且成功完成申請，並完成指定首刷任務，即可獲得Money101通路限定首刷禮享NT＄800元多選一福利即享券、Disegno 24吋小胖箱或AIWA 愛華 6吋 AC循環扇(DF-602不挑色)三選一。

3. 新戶首刷禮：NT＄800元多選一福利即享券、Disegno 24吋小胖箱或AIWA 愛華 6吋 AC循環扇(DF-602不挑色)三選一

 

LINE Pay 回饋怎麼賺最高？中國信託 LINE Pay卡回饋大彙整

HSBC_cashback

海外刷 LINE Pay 信用卡 2.8%回饋

海外網購免精算 無腦刷LINE Pay 最划算 2025年激夯回饋神卡馬上辦

Redeeming Citi - Vouchers

中信 LINE Pay卡最新回饋資訊

旅遊訂房就用中信 LINE Pay卡 最高享 16%

指定期間旅行跟團或自助自由行通通有回饋，於 Hotels.com/ 易遊網/ 雄獅旅遊/ 東南旅遊/ KKday/ Klook 訂房或購買旅遊行程皆享 10% LINE Points 回饋

出國消費遊開心 最高享 5%回饋

活動指定期間，國外旅遊日韓泰新實體店消費除原海外消費2.8%回饋外，加碼最高享 2.2% LINE Points 回饋

串流影音KKBOX 訂閱享78折再享最高 5%回饋

喜歡聽KKBOX嗎？活動期間訂閱指定KKBOX方案刷中信LINE Pay信用卡即享 78折，再疊加最高 5% LINE POINTS回饋

一點抵一元 兌點最多元

出門免錢包，行動支付輕鬆付 全台萬家百貨、超商、量販狂兌換

網購指定通路最高享 10％回饋

  • JCB卡限定優惠lativ網購消費享最高 10％回饋
  • VISA卡蝦皮購物/ LINE禮物/ pinkoi 網購享最高 5%
  • SHOPBACK 博客來/ 樂天市場/ iHerb指定通路享最高 4%，誠品線上享 4.5%回饋

 

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中國信託銀行客服聯絡

線上客服中心

客服中心專線：(02) 2745-8080

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檢查點１：請您再次檢查您輸入的手機號碼是否正確，例如+886 912345678 (僅接受台灣手機號碼註冊)

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檢查點３：可能使用手機或電腦的網頁產生相容性問題，請重開頁面並清除瀏覽紀錄(或開無痕視窗操作)

檢查點４：部分手機號碼系統會自行評斷可能為非正常號碼或電信端亦產生阻擋而無法收取驗證碼，需請重新使用其他手機號碼來註冊，通過驗證碼階段您下一步可選擇以「電郵認證」，未來您即可使用電郵認證，不須透過該手機號碼。

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旅遊住宿推薦中國信託 agoda聯名卡

中國信託 agoda聯名卡

中國信託 agoda聯名卡

國內消費現金回饋

1
%
A金

國外消費現金回饋

2.5
%

年費

首年免年費
更多資訊
隱藏訊息
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信用至上"]},"productName":"中國信託 agoda聯名卡","title":"TW.CC.CTBC0037.中國信託 agoda聯名卡","features":{"title":"Features","pros":["A金回饋無上限，Agoda官網3%A金、國外2.5%A金、一般消費1%A金 ","旅行平安保險 NT 2,000萬元","台灣機場接送尊榮優惠禮遇"],"cons":["定義<ul> <li>國內/外一般消費使用行動支付付款同樣享有現金回饋</li> <li>一般消費不包含：扣繳信用卡年費、利息、預借現金、逾期還款違約金，以及依「中國信託信用卡約定條款」約定之其他各項手續費。 刷卡買基金、賭博籌碼、數位(虛擬)貨幣、旅行支票或境外投資交易平台之相關交易金額及費用。 繳學費、各項稅款、社區管理費、違規罰緩及政府規費。 分期靈活金、帳單分期、分期付款交易。 儲值卡(原電子票證)儲值金(含自動儲值)。 eTag儲值與eTag智慧停車費用之扣繳。 繳納公務機關相關費用或代扣繳各項費用。 透過中信Home Bank APP及網路銀行繳納各項費用。 公立醫療機構之醫療服務，或透過各繳費及支付平台繳納之各項費用。 透過聯合信用卡處理中心小額支付平台之特約商店之消費。 全聯福利中心消費、PXGo!全聯線上購消費。 便利商店(如7-11、全家、萊爾富、OK超商，包含但不限於實體門市或線上商城)消費。 繳納電信費用。 特定行銷專案或其他經本行公告不回饋之項目。 依開戶總約之『簽帳金融卡約定條款』約定收取的其他各項手續費。</li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18歲","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"0","description":{"shortDescription":"不適合","longDescription":null,"tooltip":null}}],"apr":[{"type":{"key":"RETAIL_APR","display":"循環信用利率"},"value":null,"description":{"shortDescription":"信用卡循環年利率：中國信託銀行ARM指數+加碼利率(5.97%~13.47%)；上限為15%，預借現金手續費為每筆預借金額X3.5%+150元，循環利率基準日為104年9月1日，其他費用請上 官網 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":"6.75-15%","longDescription":null,"tooltip":null}},{"type":{"key":"ANNUAL_FEE","display":"年費"},"value":null,"description":{"shortDescription":"正卡NT1,800元，附卡NT900元。","longDescription":null,"tooltip":null}}],"offers":{"welcomeOffers":[{"reward":[]}],"exclusiveOffers":[{"reward":[]}],"additionalOffers":[{"reward":[{"title":"享受冬日暖陽！持Agoda聯名卡享東南亞六國訂房最高優惠22%","tandc":{"shortDescription":null,"longDescrition":"<ul>\n <li>活動期間：2023/09/29至2023/11/30</li>\n *優惠22%含：現折16%活動+A金3%+生日當月加碼A金3%。*現折16%活動：每筆最高現折1000元，每月折扣總上限200萬元，用完仍享現折10%優惠。\n</ul>"}},{"title":"指定交通、美食最高10%回饋","tandc":{"shortDescription":null,"longDescrition":"<ul><li>活動期間：2023/6/13~2023/12/31</li><li>三大交通。先馳得點：台灣鐵路，台灣高鐵，日本JR官網</li><li>異國美食。味蕾風行：嗑肉：屋馬、胡同<br/>微醺：金色三麥 、ABV餐酒館<br/>日食：定食8、福勝亭、大戶屋、吉野家、一蘭、客美多<br/>啖鮮：壽司郎、欣葉、三井</li>*10%回饋含一般消費1%/國外2.5%，加碼9%或7.5%每月歸戶上限500 A金。<br/>*本回饋為A金(新臺幣)，1A金=NT1元，可100%折抵Agoda訂房消費!</ul>"}}]}]}}, hs_name=, hs_initial_published_at=1746581405777, hs_created_at=1691138053849, hs_is_edited=false, hs_deleted_at=0, productname=中國信託 agoda聯名卡, hs_updated_by_user_id=60412388}, id=75988324310, table_id=4702394, table_name=product_money101})

 

中國信託(CTBC) 2025年最佳信用卡比較

國外消費現金回饋

國內消費現金回饋

行動支付回饋

年費
中國信託 agoda聯名卡
中國信託 agoda聯名卡
2.5 %
1 %
A金
3 %
Agoda官網消費 A金回饋
首年免年費
中國信託 中信商旅鈦金卡
中國信託 中信商旅鈦金卡
5 %
日本/韓國/泰國/新加坡旅遊加碼
1 %
10 %
綁定icash Pay
首年免年費
中國信託 英雄聯盟信用卡
中國信託 英雄聯盟信用卡
2.5 %
1 %
1 %
首年免年費
中國信託 Yahoo聯名卡
中國信託 Yahoo聯名卡
1 %
超贈點回饋，非Yahoo平台消費
1 %
超贈點回饋
11 %
限Apple Pay 、 Google Pay 、 Samsung Pay 、 街口支付、OPEN錢包 、 MyFamiPay、 PX Pay(每月每戶回饋上限150點超贈點)
首年免年費
中國信託 TAIPEI 101 聯名卡
中國信託 TAIPEI 101 聯名卡
0.5 %
於館外消費、國外消費
2 %
於館內消費
2 %
首年免年費
中國信託 現金回饋鈦金卡
中國信託 現金回饋鈦金卡
2.5 %
於國外消費達門檻最高享2.5%回饋
0.5 %
於國內消費
0.5 %
首年免年費

 

中國信託(CTBC) 三大步驟：Money101 幫你找出命定卡

Comparing the Best Citibank Credit Cards - Gifts

卡片權益與優惠

Money101全方位彙整各張 中國信託卡友權益，帶入消費者使用情境幫助您快速吸收資訊精準做出判斷；綜觀且透明化的資訊，更貼近您的辦卡目的與需求。

 

Comparing the Best Citibank Credit Cards - Fees

相關費用、利率

每一張卡的回饋高低、年費、利率及其他相關費用，若是經常出國的人，Money101 提醒您要連同國外交易手續費一起考慮。

 

Comparing the Best Citibank Credit Cards - Reviews

辦卡進度與查詢

中國信託核卡進度查詢，想必辦卡的您也會心急如焚，想知道什麼時候才能核卡成功，欲查詢信用卡辦理的進度可至 中國信託查詢進度/補件 頁面登入查詢。

 

 

中國信託信用卡申辦常見問與答

儘管每間銀行略有差異，但一般情況下，您需要遞送信用卡申請書及財力證明給發卡銀行，這些申請文件會由信用卡部門進行初步審核，接著會由銀行徵信人員會去調閱您的信用紀錄，確定為申請人本人。通過徵信審核後，銀行會根據內部的風險管理原則，決定給予您多少信用卡額度。最後，信用卡會以掛號或快遞的方式送達您指定地址，整個過程需時約 7 - 10 個工作日。

中國信託 LINE Pay 分別推出 LINE Pay 簽帳金融卡與 LINE Pay 信用卡，兩者差別在哪裡？LINE Pay 金融卡的額度是依照銀行戶頭金額多寡，意思是若要使用，必須在中國信託裡有存款帳戶並有儲蓄金額。而LINE Pay 信用卡則是個人的信用卡額度，無須設置該行賬戶即可使用。

持已綁定之 LINE Pay金融卡使用一卡通功能搭乘全台大眾運輸交通工具，即具有 LINE Points 點數回饋資格。活動期間內如當月份累積消費每滿新臺幣100元，可獲得LINE POINT 1點回饋，回饋點數無上限。 大眾運輸交通包含：捷運輕軌、台鐵、公車客運、公共自行車、渡輪。

中國信託信用卡推薦，包含中國信託中油聯名卡、中國信託 LINE Pay 信用卡、中信英雄聯名卡、中信商旅鈦金卡、中信 Taipei 101 聯名卡。另行動支付正夯，猶豫綁定哪張最划算？手機支付族推薦這幾張卡。

中國信託機場接送禮遇，優惠合作廠商：和雲行動服務股份有限公司、肯驛國際股份有限公司。 一、接送範圍：台灣本島指定單一定點接送至桃園國際機場、高雄小港國際機場、台北松山機場或台中清泉崗機場及全台所有高鐵站，且本服務僅提供一般平面道路機場接送服務，恕不配合指定進入地下/立體停車場，或搬運行李至客戶指定地點，如：搬運行李上/下樓。 二、服務專線：0800-050-505 三、兌換說明：一次交通禮遇次數，可兌換一次單趟機場接或送服務 欲查詢更多中國信託機場接送詳細資訊可至中國信托官方網站查詢。

同一車次出車親友同行不另加價，但須增加停靠站時，應事先預約登記，每增加一處停靠站(限與接機時之目的地及送機時之出發地點位於同一縣市同一行政區)向持卡人加收費用200元，若增加之停靠站為不同行政區，並視其距離加收費用，費用於預約時告知;費用請於預約接送服務時，以本行信用卡支付(本行保留接受客戶加點停靠之權利)。

 

為什麼別人都知道信用卡的優惠訊息，而你總是錯過呢? 信用卡的優惠訊息通常會隨著帳單一起寄出給您，或者是官網也會不定時的公告，有些銀行甚至會寄簡訊提醒您。如果這些資訊管道對您來說都太複雜，畢竟每個人手上都不只一張卡，訊息太多相當錯亂。最簡單方便的就是關注Money101專欄文章或粉絲團訊息，認真的編輯們總是努力為您掌握第一手訊息。

市面上流通的信用卡功能包羅萬象，但不會有一張卡就能滿足所有的需求，而且，卡友權益也時有更新，因此，必須先了解自己平時的消費型態，依照自己的需求去申辦，才能滿足您的需求。Money101編輯群依照時下最新、最熱門的討論為您整理分析比較各種功能的信用卡，建議您可以關注我們的專欄文章或粉絲團訊息，找到最適合您的信用卡。