Last updated: June 23, 2026 · Credit cards compared: 15 · Data source: Official bank product pages
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for the best credit card in Taiwan in 2026? We compared 15 credit cards from top banks in Taiwan to help you find the right one for your needs, income, and lifestyle.
This guide covers fees, interest rates, eligibility, rewards, and key benefits for every option. All data is sourced from official bank product pages and updated as of June 23, 2026. Every option is from a bank regulated by Financial Supervisory Commission.
Quick Comparison: All 15 Credit cards in Taiwan
Side-by-side comparison of every credit card option in Taiwan as of June 23, 2026. Tap any name for full details.
| Credit card | Bank | Rate / Eligibility | Top Features | Apply |
|---|---|---|---|---|
| 1. Cathay Costco Card | Cathay United Bank | 1.25% per month | Shopping Discounts, Travel Benefits, Purchase Protec… | View → |
| 2. Cathay Cube Card | Cathay United Bank | 1.25% per month | Shopping Discounts, Travel Benefits, Purchase Protec… | View → |
| 3. Cathay EVA Card | Cathay United Bank | 1.25% per month | Shopping Discounts, Travel Benefits, Purchase Protec… | View → |
| 4. CTBC Costco Card | CTBC Bank | 1.25% per month | Shopping Discounts, Purchase Protection, Digital Wal… | View → |
| 5. CTBC LINE Pay Card | CTBC Bank | 1.25% per month | Shopping Discounts, Purchase Protection, Digital Wal… | View → |
| 6. CTBC Visa Signature | CTBC Bank | 1.25% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 7. E.SUN Uber Card | E.SUN Bank | 1.25% per month | Shopping Discounts, Purchase Protection, Digital Wal… | View → |
| 8. E.SUN Visa Signature | E.SUN Bank | 1.25% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 9. E.SUN World MC | E.SUN Bank | 1.25% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 10. Fubon J Card | Taipei Fubon Bank | 1.25% per month | Shopping Discounts, Purchase Protection, Digital Wal… | View → |
| 11. Fubon Momo Card | Taipei Fubon Bank | 1.25% per month | Shopping Discounts, Purchase Protection, Digital Wal… | View → |
| 12. Fubon Visa Infinite | Taipei Fubon Bank | 1.25% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 13. Taishin FlyGo | Taishin Bank | 1.25% per month | Shopping Discounts, Travel Benefits, Purchase Protec… | View → |
| 14. Taishin Gogo Card | Taishin Bank | 1.25% per month | Shopping Discounts, Dinning Benefits, Purchase Prote… | View → |
| 15. Taishin Signature | Taishin Bank | 1.25% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
Top 15 Credit Cards in Taiwan (2026)
1. Cathay Costco Card
Bank: Cathay United Bank
- Interest Rate: 1.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Costco co-branded card with cashback at Costco Taiwan and worldwide Mastercard acceptance.
2. Cathay Cube Card
Bank: Cathay United Bank
- Interest Rate: 1.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Lifestyle card with 3% cashback on mobile payment, streaming, and online shopping.
3. Cathay EVA Card
Bank: Cathay United Bank
- Interest Rate: 1.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Co-branded EVA Air card earning Infinity Miles on every purchase with airport lounge access.
4. CTBC Costco Card
Bank: CTBC Bank
- Interest Rate: 1.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Co-branded card earning Costco cashback on all spending with extra rewards at Costco Taiwan.
5. CTBC LINE Pay Card
Bank: CTBC Bank
- Interest Rate: 1.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Taiwan most popular co-branded card with LINE Points cashback on all purchases via LINE Pay.
6. CTBC Visa Signature
Bank: CTBC Bank
- Interest Rate: 1.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Premium card with airport lounge access, travel insurance, and highest rewards rate in CTBC lineup.
7. E.SUN Uber Card
Bank: E.SUN Bank
- Interest Rate: 1.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Popular card with 3% cashback on Uber/UberEats, 2% on online shopping, and 1% on everything else.
8. E.SUN Visa Signature
Bank: E.SUN Bank
- Interest Rate: 1.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Premium card with Visa Signature benefits, travel insurance, and enhanced rewards earning.
9. E.SUN World MC
Bank: E.SUN Bank
- Interest Rate: 1.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Premium Mastercard World with lounge access, travel insurance, and Mastercard lifestyle privileges.
10. Fubon J Card
Bank: Taipei Fubon Bank
- Interest Rate: 1.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Youth-oriented card with 3% cashback on convenience stores, streaming, and food delivery.
11. Fubon Momo Card
Bank: Taipei Fubon Bank
- Interest Rate: 1.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
E-commerce card earning up to 6% momo coins on momo shopping with online purchase protection.
12. Fubon Visa Infinite
Bank: Taipei Fubon Bank
- Interest Rate: 1.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Top-tier card with unlimited lounge access, comprehensive travel insurance, and Visa Infinite concierge.
13. Taishin FlyGo
Bank: Taishin Bank
- Interest Rate: 1.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Travel card earning 2.8% cashback on overseas spending and transportation with no annual fee.
14. Taishin Gogo Card
Bank: Taishin Bank
- Interest Rate: 1.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Dinning Benefits, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Everyday card with 3.8% cashback on weekend dining and entertainment, 1.5% weekdays.
15. Taishin Signature
Bank: Taishin Bank
- Interest Rate: 1.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Premium card with lounge access, comprehensive travel insurance, and highest Taishin rewards rate.
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 — all products listed are from banks regulated by Financial Supervisory Commission
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 all 15 options on this page.
What credit score do I need for a credit card in Taiwan?
Most banks in Taiwan require a clean credit history with no defaults in the last 5 years. Premium products typically require higher monthly income. Each bank publishes its own minimum on the product page.
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?
Yes — all 15 options listed are from banks regulated by Financial Supervisory Commission. Consumer disputes can be escalated to the regulator if a bank does not resolve the issue.
What are the typical fees in Taiwan?
Fees vary by tier and bank: classic cards typically NT$ 0–1,500/year, gold NT$ 1,500–3,000, platinum NT$ 3,000–10,000. Many banks waive the first year. Always check the product page for the exact fee schedule.
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 (typically NT$ 500–2,000), 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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