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Foreign Credit Card Customers

Taiwan Business Bank

 Applying for a Credit Card, and Points to Note Regarding Credit Card Use

臺灣中小企業銀行信用卡申請及注意事項

 

Application: A foreign national(must be 20 years or older) wishing to apply for a credit card must submit tax withholding certificates or other evidence of financial status, a photocopy of their passport, and a photocopy of a valid Alien Resident Certificate etc., and a Taiwanese guarantor is required or term deposit,current deposit or real security,and must submit their application according to the rules laid down by the Taiwan Business Bank. The Taiwan Business Bank has the right to refuse to issue a card to any applicant, at its own discretion.

申請:外籍人士(年滿20)備薪資扣繳憑單或其他財力證明、護照影本、有效居留證影本等文件,及需要一名本國籍保證人或定存、活存、不動產擔保,並依臺灣企銀規定申請信用卡,臺灣企銀得保留申請核准與否的權利。

 

Dealing with a lost credit card: If a foreign resident loses a credit card, they can report the loss and stop payment using the card by calling the Taiwan Business Bank 24-hour card loss hotline 0800-01-7171. The cardholder may also be required to pay a card loss charge, for more details, please contact branch of Taiwan Business Bank.

遺失處理:信用卡遺失時,可利用臺灣企銀二十四小時信用卡掛失或服務專線0800-01-7171辦理,並支付掛失費,詳情請洽臺灣企銀各分行。 

 

Taiwan Business Bank Credit card Product Fee Information

Taiwan Business Bank Credit card Product Fee Information

Items

Fees and Charges Explain

Annual Fee

1.Criteria of the annual fee charges

The annual fee of primary credit card Titanium Business Card is NT$3,000 , and supplementary card is NT$1,500. The annual fee of primary credit card Signature Card/Titanium Card/Platinum Card/Gold Card is NT$2,400 , and supplementary card is NT$1,200. The annual fee of primary Classic Card is NT$1,200 , and supplementary card is NT$600.

2.Terms of the waiver or reduction of annual fees

Titanium Business Card:The annual fee for the first year is waived. The annual fee for the coming year is waived if the accumulated usage or spending in the previous year has exceeded 12 times or NT$60,000 respectively.

Signature Card/Titanium Card/Platinum Card: The annual fee for the first year is waived. The annual fee for the coming year is waived if there is a consumer record.

Gold Card/Classic Card: The annual fee is waived.

Revolving Credit Interest

The calculation of revolving credit interest shall be from the posting date of each charge to be calculated into the revolving credit interest, based on an annual interest rate of 3%~15% , up to 15% , until all the amount payable is paid off.

Penalty Fee

In the month of default or late payment, the penalty fee imposed is NT$ 100. When the cardholder defaults or fails to make the minimum payment for 2 consecutive months, the penalty fee imposed is NT$ 300. In the event that the cardholder fails to make the minimum payment by the payment due date for 3 or more consecutive months, the penalty fee imposed is NT$ 500. A penalty fee may be collected for no more than three consecutive periods.

Cash Advance Fee

NT$150 + (2.5% of the amount of cash advance)

Card Loss Report Fee

NT$ 200 for each charge. Primary credit card and supplementary card Separate billing.

Authorization of Settlement for Overseas Transactions

When the currency of transaction (including refund) is other than NTD, or an overseas transaction is settled in NTD dollar, the cardholder authorizes the TBB to convert the transaction amount into NTD based on the exchange rate provided by the international credit card organizations on the date of exchange settlement and add the fees that including the payment to international organizations and an additional 0.5% of each transaction amount for every transaction.

Charge Slip Inquiry Fee

 NT$ 100 for each charge.

Re-issuance of Billing Statements

If you request the delivery of bank statements of the previous three months, a handling fee of NT$ 100 for each bank statement shall be charged by TBB.

Voice, Internet Transfer pay Various Fees

Traffic violation fines: NT$ 20 for each charge.

Vehicle fuel use fee: Each amount× 1%.

Chunghwa Telecom charges: NT$ 10 for each charge.

Vehicle License TaxHouse TaxLand Value TaxBusiness TaxEnterprise Income Tax: NT$ 20 for each charge.

Individual Income Tax: According to the provisions of the year.

Public service payment platform Fees

NT$ 20 for each charge.

 

  臺灣中小企業銀行信用卡產品費用訊息

臺灣中小企業銀行信用卡產品費用訊息

費用說明

收取標準

年費

1.年費收取標準

鈦金商旅卡:正卡NT$3,000,附卡NT$1,500

鈦金卡/御璽卡/白金卡/金卡:正卡NT$2,400,附卡NT$ 1,200

普通卡:正卡NT$ 1,200,附卡NT$ 600

2.年費免收辦法

鈦金商旅卡:第一年免年費;每年正附卡累積消費NT$60,000,或不限金額消費12次者,次年免年費。

御璽卡/鈦金卡/白金卡:第一年免年費;次年起正附卡歸戶後有消費紀錄者正附卡均免年費。

金卡/普卡:享免年費優惠。

循環信用利息

依持卡人適用之分級循環信用年利率(以本行公告之基準利率加碼3~15%,上限為15%),自各筆帳款入帳日起息計算至該筆帳款結清之日止。

逾期手續費

(違約金)

延滯第一個月,當月計付逾期手續費NT$100,延滯第二個月,當月計付逾期手續費NT$300,延滯第三個月以上者,當月計付逾期手續費NT$500,且最高連續計付不逾3個月。

預借現金

手續費

NT$150 +每筆預借現金金額× 2.5%

掛失手續費

每卡NT$200,正附卡分別計收。

國外交易清算手續費

當交易(含辦理退款)之貨幣非為新臺幣或於國外以新臺幣交易時,則依各信用卡國際組織依約所列之結匯日匯率直接換算為新臺幣,加計應向各該國際組織給付之手續費及以交易金額百分之零點五計算之國外交易服務費。

調閱簽帳單

手續費

每筆NT$100

補寄帳單

手續費

補寄最近3個月帳單免收,超過3個月,每次每月份帳單NT$100

語音、網際網路轉帳繳納各項費用手續費

交通違規罰鍰:每筆NT$20

汽車燃料使用費:每筆交易金額×1%

中華電信資費:每筆NT$10

汽(機)車使用牌照稅、房屋稅、地價稅、營業稅、營利事業所得稅:每筆NT$20

綜合所得稅:依當年度規定。

公務機關信用卡繳費平台

手續費

 

每筆NT$20

 

Dispute resolution, revolving credit interest rates, fees, cardholders rights, and preferential service: The Taiwan Business Bank will notify the applicant regarding these matters in writing or by e-mail.

Taiwan Business Bank also provides Debit Card, with functions of domestic and foreign withdraw, transfer and debit from your account to enhance your saving and consumption, please contact the service phone 0800-01-7171 or branch during business hour for application and more information.

爭議帳款處理、循環信用利率、各項費用收取、權益及優惠服務:臺灣企銀依規定以書面或電子文件告知申請人。

臺灣企銀另有發行Debit卡,Debit卡具有國、內外提款、轉帳及簽帳消費等功能,存多少刷多少控制花費,提供外籍人士消費使用,請多加利用。詳情請於營業時間洽客服電話:0800-01-7171或各分行。