2023 is coming to an end. Yahoo! today announced the “Top Ten Credit Cards of 2023”. From the ranking of popular searches, it was found that travel cards are the most popular this year, and 6 of the top ten are related to high returns on foreign consumption. The co-branded card jointly launched by Yushan Silver and StarLux Airlines entered the list in the first year. In addition, the co-branded card of American-style mass merchandiser Costco was replaced by Taipei Fubon Silver in August, setting off the largest card replacement wave in Taiwan’s history. The new card also entered the list in its first year. Just attack the fourth strong point. The number one credit card in 2023 will go to the Cathay Pacific CUBE Card. This year, it has invested heavily in the card and has not hesitated to increase the amount. The rewards are often more than 7 to 19%, and the fifth new switchable benefit has been added. As expected, it won the annual championship. throne, and set two new records in the history of China’s credit cards.
No. 10: HSBC Cash Rewards Royal Seal Card
More than 80% of Chinese people who have credit cards love cash rewards. With the HSBC Royal Seal Cash Rewards Card, there are two types of rewards, one is cash and the other is miles, with no upper limit and many channels. The rebate for domestic consumption (including premiums) is 1.22%, which is suitable for purchasing high-value insurance policies. The best overseas cash rebate is 2.22%. It’s also very cost-effective to exchange miles for air tickets. The rebate is 1 yuan = 2 miles and there is no threshold. It can be redeemed for award tickets from more than 67 airlines through the three major airline alliances, including China Airlines (SkyTeam Alliance), EVA Air, Singapore Airlines (Star Alliance) and Asia Miles. If you spend 10,000 yuan in domestic credit cards, you can get a cash rebate of 122 yuan, which can be exchanged for 244 miles, which is equivalent to NT $40.9/mile. The reward is valid for life and is suitable for high-net-worth individuals who don’t want to burn their brains.
Further reading:Which airline card is it? Compare 5 co-branded cards, this one is the best for buying a flight ticket and exchanging 1 mile for 5 yuan
Ninth place: Taishin Rose Giving Card
“Serious women are the most beautiful” Taishin Rose Card has been praised for nearly 30 years. In October 2020, it has been upgraded to a Giving card for three years. It is targeted at holiday shoppers and payers. It is a rare time-limited reward card with a high limit. Domestic and foreign purchases have a maximum of 3%, but the first purchase of SkyPay at Shin Kong Mitsukoshi Department Store can get 4% back. There is no upper limit. The total amount of each period is limited to 3,000 yuan. In addition to the 3% rebate for payment during holidays, which is relatively easy to use, the total can be up to 5% if you pay with Youyou. Banks have reduced payment rebates, which is still rare. However, it should be noted that if it is not a holiday, the consumption rebate will be reduced to only 1% (no upper limit), and the card fee must be deducted from a Taishin account, otherwise the rebate will be reduced to 0.5~2%. In addition, please note that the new benefit is that there will be no rewards for swiping the card in installments.
Further reading:Lazy man’s bag》Quanlian physical credit card and PX Pay, all payment discounts organized!
Eighth place: Yushan Xingyu Airlines Card
It was officially launched on March 1 this year and ranked among the top ten searches in the first year. Taking advantage of the enthusiasm of fans of “domestic premium airline” Starlux Airlines and the high popularity of “K Director” Zhang Guowei, he personally designed the card face. The unique night-time fluorescent design is like the guidance of stars in the vast universe. The co-branded card became known as soon as it was launched. “The most beautiful airline card” attracts the attention of collectors. The biggest advantage of this card is the airport privileges. You can enjoy up to 18 free airport lounge visits per year, 8 free airport transfers, unlimited free parking outside the airport for up to 30 days each time, which is suitable for people who often go abroad. Initially, the 3x mileage reward will only be offered until May, and the optimal reward in the second half of the year will be 2x. It is suitable for new households to apply for a card. In addition, the world’s best card adopts an “invitation system”. Only those with an annual income of 6 million yuan can apply. The new card comes with a total bonus of 20,000 miles. Domestic consumption is 15 yuan for 1 mile, and foreign consumption is 10 yuan for 1 mile. But the annual fee of 100,000 yuan is “quite top-notch.”
Further reading:The original idea for the Yushan Xingyu co-branded card design comes from Zhang Guowei
Seventh place: China Trust LINE PAY card
LINE Pay is the second largest mobile payment in Taiwan, second only to Jiekou. As the only co-branded card, China Trust LINE Pay card has been issued for 7 years since the end of 2016. “Xiong Da” and “Tutu” The popular LINE Friends celebrity card faces are decorated with Taiwanese elements such as bubble milk tea and xiaolongbao, making them “cute” and win over a lot of fans. In addition, the reward rate of points is generally higher than that of cash reward. The highest reward rate of designated channels of LINE Pay is even as high as 3~15%. In addition, LINE Points has a wide range of applications. Just redeeming stickers has attracted many young people to use it, such as applying for transactions. Debit cards also attract financial novices to join. 1% for domestic general consumption, 2.8% for overseas consumption (5% for physical channel consumption in Japan, South Korea, Thailand, and Singapore), and there is no upper limit for LINE Points. Designated channels such as hotel reservation website hotels.com have a maximum rebate rate of up to 15%, and the nationwide 5% rebate for refueling is also the first choice of many refueling enthusiasts.
Sixth place: Yushan World Card
“Yushan VIP ID card”, this is the positioning given by Yushan Bank to this world card. It is divided into three categories: general world card, doctor world card and accountant world card. Not everyone can apply, but it is by invitation only. You need an annual income of 2 million yuan or a monthly salary of more than 150,000 yuan to apply. New members or financial management members can enjoy 5% cash rebate on domestic general consumption, up to 3% rebate on foreign consumption and special consumption, and exclusive currency exchange discounts. Limited upgrades to the high-speed rail business class. In terms of airport benefits, up to four pick-ups and drop-offs a year. 18 VIP room visits, 30 days of parking and birthday bonus. This card is also the first top-level card in Asia that combines charity. Every month, it allocates a relatively three-thousandth of the domestic general consumption card amount to build a Yushan Silver Library for rural children.
Extended reading: 6 super good world cards to earn 240,000 yuan a year as a top customer
Fifth place: Federal Jihe Card
One of the new generation of travel cards! Locking in the post-epidemic trend of overseas travel, the Federal Jihe Card was launched in July 2022 and has quickly challenged the status of Fubon J Card.不只國內刷卡2%現金回饋無上限（保費1%），在日本消費最高也有5%現金回饋，綁定在手機Apple Pay上，就可以拿來儲值日本交通西瓜卡「Suica」賺5%現金feedback. (Among them, there is a 3.5% rebate for Japanese currency consumption, with no upper limit, and a 1.5% rebate with a monthly upper limit of 1,000 yuan). In addition, new accounts can bind digital account cards NEW NEW BANK with a maximum reward of 5%. In China, popular Japanese online shopping such as Rakuten Market and Amazon Japan account for 5%. Select domestic famous Japanese stores such as Daye Takashimagai Department Store, UNIQLO, Ideli, DAISO Department Store, Matsumoto Kiyoshi, etc. can offer up to 6% rebate, and Japanese delicacies such as Shoboden, Ippudo, Shinye, etc. can offer up to 6% cash back. 10%, it is definitely one of the must-have cards for “Hari people”.
Further reading:Cash back and magic card!Federal Silver Attack Hari Tribe launches new “Jihe Card” offering 4~5% high rewards
Fourth place: Fubon Costco co-branded card
The biggest event in the card industry this year is the replacement and issuance of co-branded cards by American-style mass merchandise store Costco, kicking off the largest card replacement wave in history with 2.7 million cards! Fubon also generously offered double rewards when it took over, including 2% unlimited rewards for purchases at Costco stores, 3% unlimited rewards for online purchases, and 3% rewards for self-service gas stations. Black Diamond members will also receive rewards at this year’s Double 11 event. to 5% feedback. Costco, the world’s most profitable store, is in Taiwan. Its 14 stores have an annual turnover of more than 100 billion yuan, and the number of members exceeds 4 million. As the only co-branded card that can be swiped in the store, the average customer price exceeds 3,000 yuan. Since the Fubon Costco Card was launched in February, more than 2 million members have applied for it. After the official opening of in-store card swiping in August, the transaction amount has doubled compared with the previous month, and the monthly transaction amount of Fubon’s all cards has exceeded 50 billion yuan. .
Further reading:The biggest wave of card replacement in Taiwan’s history!Fubon Costco Card now has 3% unlimited benefits upgrade on the road
Third place: Taishin GOGO Card
The Taishin GOGO Card, commonly known as the “Black Dog Card”, has been famous for its high rewards in digital channels since its launch. It has been in circulation for seven years. It is suitable for young people who are Internet natives. All you need to do is apply for a Richart digital account and set up automatic deductions when you apply for the card. Credit card, the threshold is not high, you can enjoy 3.8% rebate on domestic selected consumption without any thought, 3.8% on mobile payment, of which 0.5% has no upper limit of rebate, 3.3% has a rebate limit of 1,000 yuan, and even taxes and fees are as high as 3.8%. Feedback (payment is only received at the end of October). Digital channels include designated bank branches LINE Pay, Easy Pay, Quan Pay, Quanying+Pay, Taishin Pay; designated online shopping such as momo, PChome, Shopee, PChome, Yahoo, Amazon, etc. The card benefits are valid until the end of March next year, so you are not afraid of shrinking immediately after the new calendar year.
Second place: Fubon J Card
The “Magic Card for Traveling to Japan”, which is well known to Chinese people, has issued 2 million cards in the three years since it was launched. In order to maintain the throne of the Magic Card, in June this year, it launched an additional product with a maximum 6% reward for consumption through physical channels in Japan and South Korea, but only 3% of it is unlimited. , plus an additional 3% credit card bonus, with a maximum limit of 600 yuan per quarter. Japan’s three major convenience stores offer up to 10% rebates, but you need to log in. If you bind an Apple Pay recharged Japanese transportation card, you can get up to 10% rebates. In addition, if you apply for a new card before the end of the year, you can enjoy up to 50% extra credit, with a maximum limit of 300. Yuan, and the application is limited to online channels. You need to set up your own Fubon digital account to withhold the bank’s credit card payment.
First place: Cathay Pacific CUBE Card
Cathay Pacific Bank bravely went against the trend this year after losing two co-branded cards from Costco and SOGO, and poured all its resources into CUBE, focusing on “one card for multiple cards” to switch between different benefits at any time to create the highest reward rate . In addition to the original four major benefits, in addition to the most frequently used “Collection Selection”, the order is “Play Digital”, “Le Shopping” and “Fun Travel”. In August this year, in response to the Fubon Costco Card, the ” “Birthday Month” is the fifth largest benefit. The birthday girl of that month can enjoy up to 10% feedback with no upper limit when watching movies or singing in KTV. The benefits can be exchanged every day, but it is also quite brain-intensive, driving a huge increase in CUBE searches.
In addition, although Cathay Pacific lost its SOGO card and the contract was suspended in mid-August, the benefits provided by the CUBE card are better. This year’s anniversary celebration has an unprecedented 10% discount. Double 11 also has an exclusive high reward of 14%. Double 11 discount coupons on Shopee The feedback is as high as 19%, and the multi-channel is above 11%. It has been more than 2 years since the CUBE card was launched in August 2021. To date, more than 5 million cards have been issued, and the transaction amount has also exceeded the 100 billion mark, setting a record for the largest number of bank cards in circulation in the history of Taiwan’s credit cards, ranking first in 2023 Credit cards deserve the number one spot.
Further reading:Cathay Pacific CUBE card officially exceeds 100 billion yuan
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Yahoo Finance special correspondent Ye Yiru: 22 years of experience in mainstream financial media. From the Web1.0 bubble in 2000 to the Meta Yuanverse Web3.0, he has witnessed the rise and fall of Taiwan’s large and small enterprise groups and has experienced five international financial crises. We believe that finance is life and is everywhere. No matter how difficult financial knowledge is, we should explain it in a simple way. Everyone, young and old, should manage money. If you don’t manage money, money will not care about you.
2023-12-11 03:18:42
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