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外籍人士辦卡友善專區
提供在台外來人士服務資訊專區
Information Regarding Services Provided for Foreign Nationals Residing in Taiwan

申請信用卡及注意事項
Applying for a Credit Card, and Points to Note Regarding Credit Card Use

1.申請:外籍人士申請信用卡需提供最新現職公司薪資資料:如薪資扣繳憑單(所得清單)、 薪資單、薪資轉帳證
  明或報稅證明及護照影本和有效居留證影本文件,凱基銀行保留申請核准與否的權利。
  Application: Foreigners applying for credit cards are required to submit the latest payroll
  information from the company at which they are currently employed, such as Certificate of
  Withholding Income Tax, income statements, salary transfer certificate or income tax documents.
  In addition, a photocopy of passport and valid residence permit are both required documents.
  KGI Bank reserves the right to approve the application.
2.信用卡遺失處理:信用卡遺失時,可利用本行二十四小時信用卡服務專線 02-80239088 按1、8 辦理信用卡
  掛失,並依規定收取掛失費用。
  Dealing with a lost credit card:If a foreign resident loses a credit card, the cardholder can call KGI
  bank’s 24-hour service hotline at 02-80239088 then press 1,and 8 for reporting the loss and stop
  payments using the card. Card loss fee may be charged according to the policies.
3.循環信用利率區間及各項費用收取事項:
  Interest and fees :
業務項目
Description on Fees
收費標準
Rate Standard (Unit: NT$)
循環信用年利率
Revolving Credit Interest
 年利率6.25%~15%,依本行客戶信用評分系統評等而定,將於本行通知後依調整生效
 之利率計算。
 The calculation of revolving credit interest shall be calculated based on
 an annual interest rate of 6.25%~15.00%, KGI Bank shall assess the
 credit status of cardholders through the Bank’s credit rating system and
 grant the revolving credit interest to cardholders based on the
 assessment result.
年費
Annual Fee
 (1) 凱基銀行無限卡:正卡5,000元,附卡免年費。
 (2) 中壽無限卡:正卡10,000元,附卡免年費。
 (3) 中壽悠遊御璽卡:正卡3,000元,附卡1,500元。
 (4) 魔FUN悠遊御璽卡:正卡1,800元,附卡900元。
 (5) 魔BUY悠遊鈦金卡:正卡3,000元,附卡1,500元。
 (6) 魔BUY鈦金卡:正卡500元,附卡300元。
 (7) 鈦金卡/御璽卡/白金卡:正卡3,000元,附卡1,500元。
 (8) 金卡:正卡1,000元,附卡500元。
 (9) 普卡:正卡500元,附卡300元

 年費優惠辦法:
 (1) 凱基銀行無限卡:第一年免年費,正卡年度消費滿30萬元(含)以上,即可享次年度免
 年費。
 (2) 中壽無限卡:第一年免年費,年度消費滿30萬元(含)以上,即享次年免年費之優惠。
 (3) 中壽悠遊御璽卡:第一年免年費,年度消費6次或不限金額扣繳中壽保費一次,即享次
 年免年費。
 (4) 魔FUN悠遊御璽卡/魔BUY悠遊鈦金卡:第一年免年費,年度消費12次或累積消費達6
 萬元,或申辦互動帳單並持續使用者,即享次年度免年費。
 (5) 魔BUY鈦金卡:首三年免年費,年度消費1次不限金額或申辦電子帳單並持續使用者,
 即可享次年度免年費。
 (6) 現金回饋(悠遊)鈦金卡(含Combo卡)/(悠遊)御璽卡:第一年免年費,年度消費6次,
 或申辦電子帳單並持續使用者,即可享次年度免年費。
 (7) 其他鈦金卡/御璽卡/白金卡:第一年免年費,年度消費12次或累積消費達6萬元,即可
 享次年度免年費。
 (8) 金卡及普卡:第一年免年費,年度消費乙次不限金額,即可享次年度免年費。

 注意事項:若未達年費優惠辦法之標準,自該年度免年費期限屆滿日起,即不再提供免年費
 之優惠,並依所持卡別收取年費。
 (1) The annual fee of KGI Infinite Card is NT$5,000. Supplementary Card
 is waived
 (2) The annual fee of China Life cobrand Infinite Card is NT$10,000.
 Supplementary Card fee is waived.
 (3) The annual fee of China Life cobrand Signature Card is NT$3,000 .
 Supplementary Card fee is NT$1,500.
 (4) The annual fee of More Fun Signature Card is NT$1,800.
 Supplementary Card fee is NT$900.
 (5) The annual fee of More Buy Titanium Card with EasyCard is NT$3,000.
 Supplementary Card fee is NT$1,500.
 (6) The annual fee of More Buy Titanium Card is NT$500. Supplementary
 Card fee is NT$300.
 (7) The annual fee of Titanium/Signature/Platinum Card is NT$3,000.
 Supplementary Card fee is NT$1,500.
 (8) The annual fee of Gold Card is NT1,000. Supplementary Card fee is
 NT$500
 (9) The annual fee of Classic Card is NT500. Supplementary Card fee is
 NT$300

 Terms and Conditions of waivers or reductions of annual fees:
 (1) KGI Infinite card: The annual fee for the first year is waived. The
 annual fee for the subsequent years is waived if the accumulated
 spending in the previous year has exceeded NT$300,000.
 (2) China Life cobrand Infinite Card: The annual fee for the first year is
 waived. The annual fee for the subsequent years is waived if the
 accumulated spending in the previous year has exceeded NT$300,000.
 (3) China Life cobrand Signature card: The annual fee for the first year is
 waived. The annual fee for the subsequent years is waived if the
 accumulated usage in the previous year has exceeded 6 times or you pay
 China Life insurance fee with your card.
 (4) More Fun Signature Card /More Buy Titanium card with EasyCard: The
 annual fee for the first year is waived. The annual fee of the subsequent
 years is waived if the accumulated usage or spending in the previous
 year has exceeded 12 times or NT$60,000 respectively or successfully
 activating the e-bill service
 (5) More Buy Titanium card: The annual fee for the first 3 year is waived.
 The annual fee of subsequent years is waived if the accumulated usage in
 the previous year has exceeded 1 time or successfully activating the
 e-bill service.
 (6) Cash Back Titanium Card (including Easy Card / Combo Signature
 Card): The annual fee for the first year is waived. the annual fee for the
 subsequent years is waived if the accumulated usage in the previous year
 has exceeded 6 times or successfully activating the e-bill service
 (7) Other Titanium/ Signature/ Platinum: The annual fee for the first year
 is waived. The annual fee of the subsequent years is waived if the
 accumulated usage or spending in the previous year has exceeded 12
 times or NT$60,000 respectively.
 (8) Gold/Classic: The annual fee for the first year is waived. The annual
 fee of subsequent years is waived if the accumulated usage in the
 previous year has exceeded 1 time.
 Note : The annual fee will be charged if the criteria of the annual fee
 waiver are not met
預借現金手續費
Transaction Fee for Cash Advance
 每筆預借現金手續費:預借現金金額×3.5%+100元。(若使用分期功能從其專案約定)
 NT$100+ (amount of cash advance x 3.5%)
最低應繳金額
Minimum Payment for Each Billing Period
 每期最低應繳金額為以下六款金額合計(若前二款以各卡別歸戶合併計算後,如低於新臺幣
 壹仟元,以新臺幣壹仟元計):
 (1)當期新增一般消費款項之百分之十。(如持卡人當期訂購商品、取得服務、代付費用之
 交易)。
 (2)當期新增之預借現金款項、代償交易款項、前期未清償之消費帳款及預借現金等應付帳
 款之百分之五。
 (3)每期應付之分期交易本金、定期定額扣繳基金款項、經主管機關規定全額納入最低應繳
 帳款或不得動用循環信用之交易款項總和。
 (4)超過信用額度之全部使用信用卡交易金額。
 (5)累計以前各期逾期未付最低應繳款項之總和。
 (6)循環信用利息、分期利息、遲延利息及各項費用。

 The minimum required payment for each period shall be the sum of the
 following six amounts (the first two items on the list below, including all
 KGI Bank cards held by an individual. In case the amount is lower than
 NT$1,000, the minimum required payment shall be NT$1,000)
 (1) 10% of the newly added transaction amount of the current period
 (2) 5% of the total payable amount of newly incurred cash advance or
 compensation transactions and 5% of total amount of unpaid expenses
 or cash advance, etc. from previous periods.
 (3)monthly payable amount of installment plans, periodic transfer for
 mutual funds, the transactions payable required by the supervisory
 authority in the minimum amount of the accounts payable or other
 transactions for which revolving credit is not permitted to be used
 (4)The transaction amount exceeding the credit limit
 (5) total amount of outstanding minimum payment from the previous
 periods
 (6)Revolving credit interest, installment interest, late interest and
 various fees.
逾期費用
Overdue Fee
 延滯第一個月計收逾期費用300元,延滯第二個月計收逾期費用400元,延滯第三個月計收
 逾期費用500元。惟最高連續收取期數以三期為限,但若持卡人次期依約正常繳款,即中斷
 連續違約之計算而重新起算。(當期帳單應繳總金額為新臺幣壹仟元以下者(或等值約定結
 付外幣),則不收取逾期費用)
 In the first month of default or late payment, the overdue fee imposed is
 NT$ 300. When the cardholder defaults or fails to make the minimum
 payment for 2 consecutive months, the overdue fee imposed is NT$ 400.
 In the event that the cardholder fails to make the minimum payment by
 the payment due date for 3 consecutive months, the overdue fee imposed
 is NT$ 500. The maximum charge of overdue fee is 3 consecutive months.
 (The cardholder whose outstanding balance is below NT$ 1000 (or an
 equivalent in the agreed foreign currency) on a monthly basis will not be
 imposed an overdue fee.)
國外交易服務費
Overseas Transaction Fee
 持卡人所有使用信用卡交易帳款均應以新臺幣或約定外幣結付,如交易(含辦理退款)之貨幣
 非為新臺幣或於國外以新臺幣交易(含設於國外之特約商店、網站)時,則授權本行依各信
 用卡國際組織依約所列之結匯日匯率直接換算為新臺幣或約定結付外幣,加計本行應付予各
 國際組織之手續費及本行以交易金額O.五%計算之國外交易服務費後結付。本行不得賺取
 任何差價。各國際組織手續費收取方式如下:國外非新臺幣交易VISA/MasterCard/
 JCB收取交易金額之1%;國外新臺幣交易VISA收取交易金額之1%、MasterCard收取交
 易金額之1%;國內非新臺幣交易JCB收取交易金額之1%。
 All credit card transactions shall be paid in NTD. If the transaction
 (including handling of refund) is conducted in non NT dollars, or an
 overseas transaction settled in NT dollars (including transactions made
 with overseas merchants or internet shops), the charges shall be
 converted into NTD or the agreed foreign currency directly on the
 method used for determining exchange rate for settlement purpose. In
 addition to fees charged by the international credit card organization,
 the Bank may charge 0.5% of the purchase for each transaction as the
 foreign transaction service fee and shall not profit from the differences.
 Handling fees of each international credit card organizations: VISA/
 MasterCard/JCB charges 1% of the purchase for overseas non-NT$
 transactions; VISA/MasterCard charges 1% for overseas NT$
 transactions; JCB charges 1% for Domestic non – NT$ transactions.
掛失手續費
Handling Fee for Report of Loss
 金卡/普卡每卡200元。(無限卡/鈦金卡/御璽卡/白金卡掛失免收掛失手續費)。
 NT$200 for Gold Card/ Classic Card. (Handling Fee for Report of Loss for
 Infinite Card/ Titanium Card/ Signature Card/ Platinum Card shall be
 waived)
申請緊急替代卡
Apply for an emergency replacement card
 每卡3,000元。(無限卡/鈦金卡/御璽卡/白金卡/金卡不收費, 但逾期未取卡則須負擔
 費用3,000元)
 NT$3,000 per Card ( The fee will be waived for cardholders of
 Infinite /Titanium/ Signature/ Platinum/Gold, but NT$3,000 will be
 charged If do not pick up the replacement card in time)
調閱簽單手續費
Fee for Retrieving the Copies of Signing Bills
 於國內或於國外消費之簽單每筆100元。
 The Bank will charge a handling fee of NT$ 100 for retrieving the record
 of your domestic or overseas transaction.
信用卡重製費用
Fee for re-issuance of card
 磁條卡每張手續費200元/晶片卡每張手續費300元。
 Magnetic stripe card:NT$200 per card
 Chip card:NT$300 per card
帳單列印手續費
Re-issuance of Billing Statements fee
 補送逾三個月前之帳單,每次每期帳單100元。
 Request the delivery of bank statements of the previous three months, a
 handling fee of NT$ 100 for each bank statement shall be charged.
支票處理手續費
Check processing fee
 如支票支付信用卡款未兌現,每張支票交易手續費300元。
 Processing fee NT$300 will be charged if the check for credit card
 payments is not fulfilled.
各項證明手續費
Fee for Issuance of Certificate
 每份手續費200元。(如清償證明、無欠款證明、繳款證明、註銷證明等)
 NT$200 per copy
溢繳款領回手續費
Over-pay Refund handling Fee
 每筆手續費100元。
 NT$100
法律費用
Litigation Fee
 持卡人應負擔本公司因持卡人延遲或不繳付款項而對持卡人以訴訟、非訟或其他法律程序進
 行請求而支出之相關費用。
 The cardholder shall be responsible for the expenses incurred by KGI
 bank in respect of the cardholder's request for litigation, non-litigation
 or other legal proceedings as a result of delay or non-payment by the
 cardholder.
中華電信語音繳費之手續費
Chunghwa Telecom (CHT) Voice payment fee
 中華電信電話費:每筆10元/交通罰鍰:每筆20元/汽機車燃料費:每筆燃料費金額之
 1%。
 Each CHT Telephone charges: NT$10
 Each Traffic fines:NT$20
 Vehicle Fuel Fee: 1% of the cost of each fuel transaction
各項查(核)定稅手續費
Payment for Tax Collection Fee
 手續費為每筆50元。
 NT$50 per transaction
公務費用手續費
Public service fee
 (1)電子化政府多元付費共通作業平台:
 每筆金額2,000元(含)以上收取1%手續費。
 每筆金額2,000元以下收取20元手續費。
 (2)公務機關信用卡繳費平台:免收手續費。
 (3)電子化繳費稅處理平台:免收手續費
 (1) E-government Payment platform
 Each amount of NT$2,000 (inclusive) charges 1% fee.
 Each amount of NT$2,000 or less charges NT$20
 (2)Business credit card payment platform:Free
 (3)Bulk Payment system:Free
監理網車牌競標費/選號費
Motor Vehicle Driver Information Service
License plate fee / election fee
 每筆繳納費用×1%。(競標費最低30元、最高200元)
 Each payment fee × 1%. (Minimum NT$30, up to NT$200)
悠遊聯名卡補換發手續費
Fee for re-issuance of Easy co-branded card
 悠遊聯名卡毀損、或其他原因補換發新卡時,每卡收取50元。
 NT$50 per card
悠遊聯名卡餘額轉置處理費
Balance transfer fee of Easy co-branded card
 悠遊聯名卡人工餘額轉置作業處理費,每卡30元。
 NT$30 per card

Contact Us
Service hotline (02)8023-9088