Bank of Taiwan Credit Card Bank of Taiwan
Price on request
- Annual Fee: TWD 0/yr
- Purchase APR: 12.95% APR
- Key Feature: BoT — state bank; lowest APR; best for civil servants + students
- Reward Type: No rewards
Compare Credit Cards in Taiwan
Prioritise the longest 0% purchase or balance-transfer period for your use case, and check the representative APR that applies after any promotional period ends.
19 live credit cards offers tracked across 17 Taiwanese providers, with annual fees from Price on request. Data current as of 23 October 2026 and updated daily from the Giraffy database.
Live offers
19 live offers compared from 17 providers. Updated daily.
CTBC Credit Card TW CTBC Bank
Price on request
- Annual Fee: TWD 0/yr
- Purchase APR: 15% APR
- Key Feature: CTBC — widest card range; strong airline mile options
- Reward Type: Airline miles / cashback (varies by card)
E.Sun Bank Credit Card TW E.Sun Bank
Price on request
- Annual Fee: TWD 0/yr
- Purchase APR: 14.9% APR
- Key Feature: E.Sun — best for online shopping; 3% unlimited cashback tiers
- Reward Type: E.Sun cashback
Fubon Bank Credit Card TW Fubon Bank Taiwan
Price on request
- Annual Fee: TWD 0/yr
- Purchase APR: 15% APR
- Key Feature: Fubon Bank — Fubon FHC; strong LINE Pay / Fubon wallet integration
- Reward Type: Fubon points / LINE Points
Cathay United Kol Card Cathay United Credit Card
Price on request
- Annual Fee: Free
- Purchase APR: 15%
- Key Feature: 3% cashback on all
- Reward Type: Unlimited Cashback
E.Sun Visa Infinite E.Sun Credit Card
Price on request
- Annual Fee: 8,000/year
- Purchase APR: 15%
- Key Feature: Miles + lounge access
- Reward Type: Premium Travel
CTBC LINE Pay Card CTBC Credit Card
Price on request
- Annual Fee: Free
- Purchase APR: 15%
- Key Feature: 3% rebate with LINE Pay
- Reward Type: Mobile Pay Cashback
Fubon J!POINTS Visa Fubon Bank Credit Card
Price on request
- Annual Fee: Free
- Purchase APR: 15%
- Key Feature: Unlimited 2% J!POINTS
- Reward Type: Unlimited Cashback
LINE Bank Visa Card LINE Bank Taiwan
Price on request
- Annual Fee: Free
- Purchase APR: 15%
- Key Feature: 3% LINE Points
- Reward Type: App Cashback
Mega Bank Visa Card Mega Bank Credit Card
Price on request
- Annual Fee: Free
- Purchase APR: 15%
- Key Feature: Points on spend
- Reward Type: Basic Rewards
O-Bank Visa Card O-Bank
Price on request
- Annual Fee: Free
- Purchase APR: 15%
- Key Feature: 2% cashback e-commerce
- Reward Type: E-commerce Cashback
Next Bank Visa Card Next Bank
Price on request
- Annual Fee: Free
- Purchase APR: 15%
- Key Feature: 2% cashback
- Reward Type: Digital Cashback
Richart Debit Visa Taishin Richart
Price on request
- Annual Fee: Free
- Purchase APR: N/A (debit)
- Key Feature: 1% cashback
- Reward Type: Debit Cashback
Taishin @GoGo Mastercard Taishin Bank
Price on request
- Annual Fee: Free
- Purchase APR: 15%
- Key Feature: 6% streaming services
- Reward Type: Entertainment Cashback
UBot Visa Card UBot Credit Card
Price on request
- Annual Fee: Free
- Purchase APR: 15%
- Key Feature: 2% on online spend
- Reward Type: Online Cashback
Yuanta Visa Infinite Yuanta Credit Card
Price on request
- Annual Fee: 5,800/year
- Purchase APR: 15%
- Key Feature: Unlimited lounge + miles
- Reward Type: Premium Travel
E.Sun co-brand LINE Pay Card E.Sun Credit Card
Price on request
- Annual Fee: Free
- Purchase APR: 15%
- Key Feature: 4% LINE Points dining
- Reward Type: Dining Cashback
Bank of Taiwan Visa Platinum Bank of Taiwan
Price on request
- Annual Fee: Free
- Purchase APR: 15%
- Key Feature: Points earn program
- Reward Type: Basic Rewards
Cathay United Credit Card TW Cathay United Bank
Price on request
- Annual Fee: TWD 0/yr
- Purchase APR: 14.7% APR
- Key Feature: Cathay United — best cashback on digital/mobile pay (1.5%)
- Reward Type: CUBE cashback points
What are credit cards in Taiwan?
Credit cards in Taiwan are widely held and prized for their rewards: cashback, points, air miles and, above all, generous rebates on specific spending categories and mobile-wallet-linked purchases. Cards run on Visa, Mastercard and JCB networks and are issued by banks, often co-branded with retailers, airlines and e-wallets. Alongside spending rewards, cards offer interest-free instalment plans and travel perks. Competition is intense, and Taiwanese consumers actively rotate cards to maximise category-specific rebates.
How the Taiwan market works
Issuers compete on rotating and category rewards, higher cashback on dining, overseas spend, streaming or a particular mobile wallet, with tiered rates that reward meeting monthly spend thresholds. Many cards integrate with LINE Pay, Apple Pay and JKO Pay to boost rebates. Instalment (分期) plans are a core feature, letting cardholders split purchases interest-free. Revolving credit is available but carries a capped interest rate. Annual fees are frequently waived on meeting a spend or transaction count.
Benefits
Category cashback — High rebates on targeted spending like dining, overseas or wallet-linked purchases.
Interest-free instalments — Split larger purchases into monthly payments at no interest on eligible plans.
Travel and lifestyle perks — Airport lounge access, travel insurance and miles on premium and co-branded cards.
Wallet integration — Linking to LINE Pay, JKO Pay or Apple Pay stacks additional rewards on everyday spend.
Co-branded perks — Cards tied to airlines, retailers and e-wallets add miles, discounts and partner benefits aligned to how you already spend.
How to choose
Pick cards around where you actually spend, dining, groceries, travel or a specific wallet, and check the reward caps and any minimum monthly spend needed to earn the top rate. Confirm how the annual fee is waived, the overseas transaction surcharge (commonly around 1.5%) and the revolving interest rate if you ever carry a balance. Many Taiwanese hold several cards to cover different categories, so consider a small portfolio rather than one card.
Leading providers in Taiwan
Major issuers include CTBC Bank, Cathay United Bank, E.Sun Bank, Fubon Bank Taiwan and the Bank of Taiwan, each running competitive cashback and co-branded programmes. E.Sun and CTBC are known for strong wallet-linked and overseas-spend rebates, while Cathay United and Fubon leverage large retail and lifestyle partnerships. Co-branded cards with airlines, retailers and e-wallets are especially popular.
What it costs
Many cards carry no effective annual fee once a modest spend or transaction threshold is met. The real costs arise if you revolve a balance, where interest applies up to the regulated ceiling, or on overseas transactions, which typically add about 1.5%. Rewards are effectively negative cost, but late payment triggers fees, so paying the statement in full each month is the way to stay ahead.
Protections and regulation
Credit cards are supervised by the Financial Supervisory Commission (FSC), which caps the revolving interest rate and enforces clear disclosure of fees and terms. Cardholder credit records sit with the JCIC. Visa, Mastercard and JCB provide fraud protection and dispute-resolution rights, and issuers must follow responsible-lending and marketing rules, including limits tied to income for credit lines.
Common questions
Why hold several cards? Rewards are category-specific, so many Taiwanese use different cards for dining, travel and wallet-linked spend to maximise rebates.
Is there an annual fee? Often waived on meeting a spend or transaction threshold, though premium cards may charge one for their perks.
What about overseas spending? A surcharge of roughly 1.5% usually applies, though some cards offset it with higher overseas cashback.
Should I ever revolve a balance? Avoid it where possible; revolving interest runs up to the regulated ceiling and quickly outweighs any rewards, so paying the statement in full each month is the way to stay ahead.
Credit Cards in Taiwan — FAQ
What credit score do I need to get approved for a credit card in Taiwan?
Minimum score requirements vary by card and issuer. In Taiwan, scores are reported by your national credit bureau. Premium rewards and travel cards typically require a good-to-excellent score, while secured or entry-level cards are available with lower or no credit history. Checking eligibility with a soft search won't affect your score.
Which credit card in Taiwan has no foreign transaction fee?
Giraffy tracks 19 credit cards across 17 banks in Taiwan. Use the 'No Foreign Fees' filter on the card detail to find cards that don't charge for overseas spending — useful if you travel or shop in foreign currencies online.
How do balance transfers work, and are they worth it?
A balance transfer moves your existing credit card debt to a new card, often at 0% interest for an introductory period. You typically pay a one-off transfer fee (1–3%). If you can repay the balance before the 0% period ends, you save on interest — check the revert rate carefully.
What is a rewards or cashback credit card?
Rewards cards earn points, miles, or cashback on every purchase. Cashback is the simplest — a percentage of spending returned as cash. Points and miles can be worth more if redeemed for flights or hotels, but require more active management. Annual fees are often offset if you spend above a certain threshold.
Can I get a credit card with no annual fee?
Yes — several cards tracked by Giraffy in Taiwan charge no annual fee. They typically offer fewer perks than premium cards, but are the most cost-effective choice if you pay your balance in full each month and want a card purely for convenience or building credit history.
How does credit card interest work?
If you pay your full statement balance by the due date each month, you pay zero interest. Interest only applies to carried balances, cash advances, or missed payments. The representative APR shown on each card covers all standard purchase interest — compare APRs when choosing a card you might not always pay off in full.
What is the difference between a credit limit and an available balance?
Your credit limit is the maximum you're allowed to borrow at any time. Your available balance is what's left after deducting current transactions. Staying well below your limit — ideally under 30% — helps maintain a healthy credit utilisation ratio, which is a key factor in your credit score.