2025無腦神卡登場！LINE Pay/網購8%、街口6%、機票5%、日本刷卡5%｜SHIN LI 李勛

Summary

In this video, SHINLI (李勛) shares an in-depth guide to the best digital accounts and credit cards for 2025. He highlights top credit cards offering high cashback rates, including the 永豐DAWAY card with up to 6.5% cashback and the 星展eco card for overseas and travel benefits. Additionally, he discusses competitive savings accounts offering up to 8.8% interest rates. SHINLI also covers important upcoming bank policy changes and provides tips for maximizing financial benefits by applying early. Whether you're a seasoned customer or new to credit cards, this video offers valuable insights to help you make the best financial choices in 2025.

Takeaways

• 😀 **2025 Credit Card and Digital Account Promotions**: Many credit cards and digital accounts are offering great perks and benefits for new users, with significant interest rates and cashback opportunities.
• 😀 **永豐DAWAY卡 (Yongfeng DAWAY Card)**: Offers up to 6.5% cashback on overseas and LINE Pay purchases for new customers if applied before the end of 2024.
• 😀 **Richart GOGO卡 (Richart GOGO Card)**: Offers up to 3% cashback on online shopping and specific payment platforms like Shopee and PChome, along with bonus rewards for specific merchants.
• 😀 **FlyGo卡 (FlyGo Card)**: Best for frequent travelers with 5% cashback on overseas purchases, plus bonus rewards on specific airline bookings.
• 😀 **滙豐匯鑽卡 (HSBC Premier Card)**: Offers up to 6% cashback for specific merchants like Uber Eats, with double rewards for customers who meet certain deposit requirements.
• 😀 **聯邦New New Bank**: Offers 10% interest for new users on deposits up to 100K until January 2025, with a 3% rate for existing customers.
• 😀 **遠銀Bankee**: Offers 3.8% interest for the first month on deposits up to 50K, with ongoing rates as high as 1.435% on larger deposits.
• 😀 **華南SnY**: Provides 2.5% interest on deposits up to 100K for new users, along with a 200 TWD bonus for applying through the provided link.
• 😀 **Credit Card and Digital Account Policies**: Starting January 2025, banks like 國泰 (Cathay) and 永豐 (Yongfeng) will cancel inactive cards, potentially affecting users' credit scores.
• 😀 **Strategic Card Selection**: 永豐DAWAY卡 is recommended for LINE Pay users, while FlyGo卡 is ideal for travelers. For those interested in high-interest rates,聯邦New New Bank and Bankee are top picks.

Q & A

What is the maximum cashback rate for the 永豐DAWAY Card in 2025?

In 2025, the 永豐DAWAY Card offers a maximum cashback rate of 6.5% for LINE Pay transactions, 3.5% for overseas purchases, and 1.5% for domestic purchases.

How can new users of the 永豐DAWAY Card benefit in 2025?

New users of the 永豐DAWAY Card can earn an additional 1.5% cashback for domestic purchases and 4% for overseas purchases in 2025, along with 6% cashback for LINE Pay transactions.

What is the special offer from the 富邦 New New Bank for new users until January 2025?

New users of the 富邦 New New Bank can earn up to 10% interest on deposits up to 100,000 TWD until January 2025, provided they meet the wealth KYC form submission requirements.

How does the Richart GOGO Card benefit users who frequently shop online?

The Richart GOGO Card offers 3% cashback on specified online shopping platforms such as Shopee, momo, and PChome, along with 2.7% cashback on select mobile payment apps like 台新Pay.

What is the interest rate for existing users of the 富邦 New New Bank?

Existing users of the 富邦 New New Bank can earn a 3% interest rate on deposits up to 100,000 TWD, and 2% without meeting any specific conditions.

What happens if a credit card is inactive for a year with 國泰 or 永豐 banks after January 2025?

If a credit card is inactive for a year with either 國泰 or 永豐 banks after January 2025, the card will be deactivated, potentially affecting credit scores and account longevity.

What is the cashback rate for the 滙豐匯鑽 Card on specific payment platforms?

The 滙豐匯鑽 Card offers 6% cashback on designated platforms such as Uber Eats and Disney+, as well as a 2% cashback rate on general purchases if certain conditions are met.

What is the benefit of the 永豐DAWAY Card for users who often use LINE Pay?

Users who frequently use LINE Pay can benefit from 6.5% cashback on LINE Pay transactions with the 永豐DAWAY Card, making it an ideal option for regular LINE Pay users.

What is the interest rate offered by the 遠銀Bankee account for deposits over 50,000 TWD?

For deposits over 50,000 TWD, the 遠銀Bankee account offers an interest rate of 1.435% with no specific conditions.

What is the interest rate offered by 王道銀行 for new users until January 2025?

New users of 王道銀行 can earn up to 8.8% interest on deposits up to 50,000 TWD and 2.1% interest on deposits between 50,000 TWD and 500,000 TWD.