Last updated: August 2, 2026 · Credit cards compared: 15 · Data source: issuer product pages, recorded in the Buzdy database · cited pages where we hold them
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for a credit card in Taiwan in 2026? These are all 15 credit cards in Taiwan that Buzdy currently holds verified data for. Every figure below is printed from the record Buzdy holds for that product, taken from the issuer's own published material — where a bank does not publish a number, this guide says Not published rather than guessing. We link the exact issuer page under Sources for every product where we have recorded it; for the rest we hold the figure but not the page, and say so.
How this list is ordered. Ranked on the data we actually hold: cards with no annual fee first, then by how many benefits we can verify from the issuer's own product page, then by the lowest published interest rate, then by the lowest published minimum income. We then rotate one card per bank so a single issuer cannot fill the list.
This is not a complete list of every credit card sold in Taiwan. It is the set Buzdy has verified data for, from 5 issuers, as of August 2, 2026.
Quick Comparison: 15 Credit Cards in Taiwan
Side by side, in the order explained above. Tap any name for the full product page.
| Credit card | Bank | Annual fee | Interest rate | Verified benefits | Details |
|---|---|---|---|---|---|
| 1. CTBC Visa Signature | CTBC Bank | Not published | 15% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 2. E.SUN Visa Signature | E.SUN Bank | Not published | 15% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 3. Fubon Visa Infinite | Taipei Fubon Bank | Not published | 15% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 4. Taishin Signature | Taishin Bank | Not published | 15% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 5. Cathay Costco Card | Cathay United Bank | Not published | 15% per month | Cashback, Travel benefits, Digital wallet, Shopping offers | View → |
| 6. CTBC Costco Card | CTBC Bank | Not published | 15% per month | Cashback, Digital wallet, Shopping offers, Supplementary cards | View → |
| 7. E.SUN World MC | E.SUN Bank | Not published | 15% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 8. Fubon J Card | Taipei Fubon Bank | Not published | 15% per month | Cashback, Digital wallet, Shopping offers, Supplementary cards | View → |
| 9. Taishin FlyGo | Taishin Bank | Not published | 15% per month | Cashback, Travel benefits, Digital wallet, Shopping offers | View → |
| 10. Cathay Cube Card | Cathay United Bank | Not published | 15% per month | Travel benefits, Digital wallet, Shopping offers, Supplementary cards | View → |
| 11. CTBC LINE Pay Card | CTBC Bank | Not published | 15% per month | Cashback, Digital wallet, Shopping offers, Supplementary cards | View → |
| 12. E.SUN Uber Card | E.SUN Bank | Not published | 15% per month | Cashback, Digital wallet, Shopping offers, Supplementary cards | View → |
| 13. Fubon Momo Card | Taipei Fubon Bank | Not published | 15% per month | Cashback, Digital wallet, Shopping offers, Supplementary cards | View → |
| 14. Taishin Gogo Card | Taishin Bank | Not published | 15% per month | Cashback, Dining offers, Digital wallet, Shopping offers | View → |
| 15. Cathay EVA Card | Cathay United Bank | Not published | 15% per month | Travel benefits, Digital wallet, Shopping offers, Supplementary cards | View → |
The 15 Credit Cards in Detail
1. CTBC Visa Signature
Bank: CTBC Bank
- Annual fee: Not published
- Interest rate: 15% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Premium card with airport lounge access, travel insurance, and highest rewards rate in CTBC lineup.
2. E.SUN Visa Signature
Bank: E.SUN Bank
- Annual fee: Not published
- Interest rate: 15% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Premium card with Visa Signature benefits, travel insurance, and enhanced rewards earning.
3. Fubon Visa Infinite
Bank: Taipei Fubon Bank
- Annual fee: Not published
- Interest rate: 15% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Top-tier card with unlimited lounge access, comprehensive travel insurance, and Visa Infinite concierge.
4. Taishin Signature
Bank: Taishin Bank
- Annual fee: Not published
- Interest rate: 15% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Premium card with lounge access, comprehensive travel insurance, and highest Taishin rewards rate.
5. Cathay Costco Card
Bank: Cathay United Bank
- Annual fee: Not published
- Interest rate: 15% per month
- Minimum income: Not published
- Verified benefits: Cashback, Travel benefits, Digital wallet, Shopping offers, Supplementary cards
Costco co-branded card with cashback at Costco Taiwan and worldwide Mastercard acceptance.
6. CTBC Costco Card
Bank: CTBC Bank
- Annual fee: Not published
- Interest rate: 15% per month
- Minimum income: Not published
- Verified benefits: Cashback, Digital wallet, Shopping offers, Supplementary cards
Co-branded card earning Costco cashback on all spending with extra rewards at Costco Taiwan.
7. E.SUN World MC
Bank: E.SUN Bank
- Annual fee: Not published
- Interest rate: 15% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Supplementary cards
Premium Mastercard World with lounge access, travel insurance, and Mastercard lifestyle privileges.
8. Fubon J Card
Bank: Taipei Fubon Bank
- Annual fee: Not published
- Interest rate: 15% per month
- Minimum income: Not published
- Verified benefits: Cashback, Digital wallet, Shopping offers, Supplementary cards
Youth-oriented card with 3% cashback on convenience stores, streaming, and food delivery.
9. Taishin FlyGo
Bank: Taishin Bank
- Annual fee: Not published
- Interest rate: 15% per month
- Minimum income: Not published
- Verified benefits: Cashback, Travel benefits, Digital wallet, Shopping offers, Supplementary cards
Travel card earning 2.8% cashback on overseas spending and transportation with no annual fee.
10. Cathay Cube Card
Bank: Cathay United Bank
- Annual fee: Not published
- Interest rate: 15% per month
- Minimum income: Not published
- Verified benefits: Travel benefits, Digital wallet, Shopping offers, Supplementary cards
Lifestyle card with 3% cashback on mobile payment, streaming, and online shopping.
11. CTBC LINE Pay Card
Bank: CTBC Bank
- Annual fee: Not published
- Interest rate: 15% per month
- Minimum income: Not published
- Verified benefits: Cashback, Digital wallet, Shopping offers, Supplementary cards
Taiwan most popular co-branded card with LINE Points cashback on all purchases via LINE Pay.
12. E.SUN Uber Card
Bank: E.SUN Bank
- Annual fee: Not published
- Interest rate: 15% per month
- Minimum income: Not published
- Verified benefits: Cashback, Digital wallet, Shopping offers, Supplementary cards
Popular card with 3% cashback on Uber/UberEats, 2% on online shopping, and 1% on everything else.
13. Fubon Momo Card
Bank: Taipei Fubon Bank
- Annual fee: Not published
- Interest rate: 15% per month
- Minimum income: Not published
- Verified benefits: Cashback, Digital wallet, Shopping offers, Supplementary cards
E-commerce card earning up to 6% momo coins on momo shopping with online purchase protection.
14. Taishin Gogo Card
Bank: Taishin Bank
- Annual fee: Not published
- Interest rate: 15% per month
- Minimum income: Not published
- Verified benefits: Cashback, Dining offers, Digital wallet, Shopping offers, Supplementary cards
Everyday card with 3.8% cashback on weekend dining and entertainment, 1.5% weekdays.
15. Cathay EVA Card
Bank: Cathay United Bank
- Annual fee: Not published
- Interest rate: 15% per month
- Minimum income: Not published
- Verified benefits: Travel benefits, Digital wallet, Shopping offers, Supplementary cards
Co-branded EVA Air card earning Infinity Miles on every purchase with airport lounge access.
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
- Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
- Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
- Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
- Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
- Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
- Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.
Common Mistakes to Avoid
The five most expensive errors people make with credit cards:
- Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
- Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
- Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
- Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
- Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.
How to Choose the Right Credit card in Taiwan
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Customer support — 24/7 helpline, branch network, dispute resolution time
- Regulation — check the issuer's licence on the Financial Supervisory Commission public register before you apply
Frequently Asked Questions: Credit cards in Taiwan
What is the best credit card in Taiwan for 2026?
The best credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare the 15 products in this guide above.
What credit score do I need for a credit card in Taiwan?
Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. None of the 15 products in this guide publish a minimum income requirement on their product page, so ask the bank directly before applying.
Can I apply online for a credit card in Taiwan?
Yes, most major banks in Taiwan now offer fully online applications. Tap "View" on any credit card above to start the application process directly with the bank.
What documents do I need?
Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.
Are these credit cards regulated and safe?
Retail banking in Taiwan is supervised by Financial Supervisory Commission. Buzdy has not individually verified the licence status of each issuer on this page, so check the regulator’s own public register before you apply — and escalate an unresolved dispute there.
Can I get a credit card if I am self-employed in Taiwan?
Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.
What happens if I default on payments?
Missed payments trigger late fees, a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.
Related Guides for Taiwan
- All banks in Taiwan
- Bank branches across Taiwan
- Credit Cards In Taiwan 2026
- Personal Loans In Taiwan 2026
- Savings Accounts In Taiwan 2026
- Taiwan EMI calculator
- Taiwan savings calculator
How We Compare
Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.
Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.
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