Fee Schedules of Credit Card

Annual Fee

*No annual fee in the first year.

Card Type Annual Fee for Primary Card Annual Fee for Additional Card
Infinite / World NT$20,000 N/A
Signature / Titanium / Precious NT$3,000 NT$1,500
Platinum NT$1,500 NT$750
Gold NT$600 NT$300
Classic NT$300 NT$150
Bill Request Fee NT$50 Per Domestic Transaction, NT$100 Per Foreign Transaction
Statement Reissuance Fee If it is in need to reissue the statements 3 months before due to the cardholder, each statement per month will be charged for NT$ 100.
Process Fee for Lost/Steal Case In the event that the credit card is lost or stolen, it will be charged for NT$200 per card as bank process fee.
Cash Advance Fee Cash Advance Fee:
Each amount of cash * 3.5% + NT $ 100.
If the Cash Advance Fee is less than NT$ 500 per cash advance over the counter, please be noted that it will still be charged NT$ 500. If the Cash Advance Fee is less than NT$ 200 per cash advance over ATMs, or through telephone banking or internet banking, please be noted that it will still be charged NT$ 200. ( If you use revolving credit to pay the bill, the interest will be charged according to the Bank’s interest rate and calculation of interest rate for revolving credit. )
Replacement Fee NT$200 Per Card
Pay off Certificate Fee Upon termination of the Credit Card Agreement between the cardholder and the Bank, if the cardholder has paid off all amount owing on his account, the cardholder may apply for "Pay off Certificate" with the fee charged at NT$ 200 per certificate.
Interest Rates
  1. To calculate the interest rates of revolving credit, the interest rates for the balance of the bill which is included in the revolving credit principle will be counted from the date of entry to the date of settlement according to the applicable interest rate of revolving credit on the date of interest or other favorable interest based on your credit. For calculation of interest rate, the number will be rounded.
  2. If the cardholder has more than one credit card on the account, your revolving credit interests will be the sum of all credit cards’ revolving credit interests. The minimum amount payable per period will be counted by ID. In the event of delay payment, breach of credit card contract, suspension of credit card, or credit or economic changes which are sufficient to down grade the original assessment of the cardholder, the Bank is entitled to terminate or cancel any favorable interest provided to the cardholder before.
  3. We will not charge you the revolving credit interest from the settlement date for the account payable to the Current Statement's Due Date if you pay your full balance on or before the Current Statement's Due Date or the remaining unpaid account payable is below or equals NT$ 999.
Late Payment Fee If you do not make the Minimum Payment on or before the Current Statement's Due Date, you must pay the revolving credit interest until we process and settle your full statement balance, and Late Payment Fee will also be included.
Late Payment Fee:
If you did not make the Minimum Payment on or Before the Current Statement's Due Date ,the first month Late Payment Fee will be charged at NT$300 for the first month; Late Payment Fee will be charged at NT$400 for the 2nd consecutive month; Late Payment Fee will be charged at NT$500 for the 3rd consecutive month; (if "the current statement balance" is below or equals NT$ 1000, Late Payment Fee will not be charged) we charge Late Payment Fee up to 3 consecutive months every time.
Foreign Transaction Fee All credit card transactions shall be settled in New Taiwan Dollars ("NTD") or the agreed foreign currency. If the transaction (including refund) is in currency other than NTD, Bank SinoPac is authorized to the transaction into NTD or the agreed foreign currency in accordance with the exchange rate on the settlement date listed by the credit card's international organization, and then settle the payment (after adding up the handling fee payable by Bank SinoPac to the international organization and the overseas transaction service fee calculated by Bank SinoPac at 0.5% of the transaction amount/spending amount). The total amount is 1.5% to 2% of the transaction amount after adding the handling fee payable by Bank SinoPac to the international organizations and the overseas transaction service fee calculated by Bank SinoPac at 0.5% of the transaction/consumption amount. If the transaction is made in NTD (domestic transactions with foreign stores via the Internet are considered foreign transactions), the foreign transaction handling fee and service fee should also be added according to the preceding paragraph. When cardholders use their cards in non-USD currencies, the purchase amount should be directly converted into NTD or the agreed foreign currency.
Fee for Credit Card Payment for Supervision Fee by Phone / Internet
  1. Chunghwa Telecom telephone charges, mobile phone charges, HINET and B.B.Call - Per NT $ 10
  2. Fine payment for traffic violation - Per NT $ 20
  3. Fuel costs - Per NT $ 30
  4. Vehicle numbering fee - 1% of each amount
  5. Vehicle license plate fee - 1% of each amount (minimum NT $ 20)
Refund Process Fee When the cardholder applies for refund of overpayment, the refund process fee of NT $30 dollars shall be deducted from the amount if the refund is made to the cardholder's accounts other than Bank SinoPac's account, or if the refund is made by a check.
Fee for Payment through "WWW.GOV.TW" NT $ 20 per case* Please refer to the announcement of the "WWW.GOV.TW" for the fee information .
Remittance Process Fee For the cardholder dealing with Cash Advance by telephone or internet and requiring the Bank to remit such cash advance to another financial institutions, in addition to Cash Advance Fee, Remittance Process Fee shall be paid to the Bank at NT $ 30 for each time.

Please manage your finances carefully and value your credit

24-Hour Service Hotline: (02)2528-7776 Revolving Credit Rate: 5%~15% (Base date: March 3, 2023); Cash Advance Handling Fee: Cash Advance Amount x 3.5% + Specified Amount (NT$100/USD 3.5/JPY 350/EUR 3); For other fees, please visit Bank SinoPac's website.