信用卡申請資格Qualifications for applying credit card

正卡申請人 Principal card applicant:

1. 申請人須為成年人；及
   The applicant must reach the age of majority or older; and
2. 申請人應非為全職學生；及
   The applicant who is a full-time student shall not apply the principal card; and
3. 申請人應未受監護宣告或輔助宣告；及
   The applicant shall not have become subject to either the order of the commencement of guardianship or the order of the commencement of assistance; and
4. 申請人年收入須達新臺幣25萬元以上(一卡通鈦金商旅卡、北科大認同鈦金商旅卡及金鑽商旅白金卡須達新臺幣50萬元以上；及
   The applicant’s annual income must reach TWD250, 000 or more. (if the apply item is any iPASS Co-Branded Titanium Business Card, NTUT affinity Titanium Business Card or Diamond Platinum Business card, the applicant’s annual income must reach TWD500,000 or more.); and
5. 申請人須於本行開立新台幣活期性存款帳戶並辦理自動扣繳。
   The applicant is required to open a TWD deposit account (any demand deposit, demand savings deposit, or general service account) with the Bank of Taiwan (hereinafter referred to as “BOT”) and apply direct debit authorization for credit card bill payments. BOT will debit your account of the amount stated on your bill every month.

附卡申請人Supplementary card applicant:

1. 申請人須年滿15歲；及
   The applicant must be 15 years old or older; and
2. 申請人須為正卡持卡人之配偶、父母、子女、兄弟姊妹或配偶父母；及
   The applicant must be the spouse, parent, child, sibling, or parent in law of the principal cardholder; and
3. 申請人為未成年時，須經其法定代理人(即父母或監護人)同意。
   The application for supplementary card from a minor must be submitted with the guardian’s consent. (i.e. parents and the guardian).

申請信用卡所需文件Required Documents for applying credit card

正卡申請人Principal card applicant:

1. 身分證明文件Identity document:
   • 護照；及
     Passport; and
   • 居留證(有效期限距申請日須滿1年以上)。
     Valid Alien Resident Certificate (hereinafter referred to as” ARC”), (Date of expiry shall be more than one year after the date of the application.)
     ＊若您持有就業金卡或官員證，您可提供就業金卡或官員證取代居留證。
     IF you are either a R.O.C.(Taiwan) Employment Gold Cardholder or a Diplomatic ID Cardholder, you may offer either the valid R.O.C.(Taiwan) employment gold card or the valid Diplomatic ID Card in place of the ARC.
2. 所得或財力證明文件Proofs of financial capability:
   • 所得扣繳憑單、報稅清單、薪水單或撥薪存摺(包括存摺封面及內頁)；或
     The withholding statement, individual income tax returns, paychecks, or your bank statement/passbook which recorded your salary is deposited into the account (including passbook cover and inside page information); or
   • 存款往來明細證明(包括存摺封面及內頁) ；或
     Proof of deposit transactions (including passbook cover and inside page information); or
   • 其他最近一年可證明還款能力之文件
     Other proofs of the repayment capability of the latest year.

附卡申請人Supplementary card applicant:

1. 身分證明文件Identity document:
   • 護照；及
     Passport; and
   • 居留證(有效期限距申請日須滿1年以上)；及
     Alien Resident Certificate (ARC), (Date of expiry shall be more than one year after the date of the application.); and
   • 可證明正、附卡人關係之證明文件。
     Relationship document between the principal cardholder and the supplementary card applicant.

臺灣銀行保留申請核准與否之權利，並視需要得要求其他證明文件或由申請人主動提供保證人或擔保品(以臺灣銀行存款設質為限)。無論核准與否，申請書及所附文件恕不退還。
BOT reserves the right to approve or decline the application. And BOT may demand additional documents or the applicant may provide either a guarantor or a pledge (BOT deposit pledge only) if necessary. Furthermore, BOT will not return the application form and attached documents.

請聯絡臺灣銀行24小時客戶服務中心專線：02-2191-0025/0800-025-168，並提供您方便臨櫃申辦信用卡之時間與欲前往之分行，本行將竭誠為您服務。
For applying credit card, please contact BOT’s 24-hour Customer Service Center (Telephone Number: 02-2191-0025/0800-025-168) and provide both the date and the branch you would like to apply for credit card. BOT is at your service.

營業時間：週一至週五早上9點至下午3點30分
Business Hours: 9:00am-3:30pm Monday to Friday

雙語分行：請點選超連結以獲得更多資訊
Bilingual demonstration branches：Please click here to get more information.

若中文版本與英文版本在解釋上出現疑義，概以中文版本為準。
The event of discrepancies between the Chinese and English versions, the Chinese version shall apply and prevail.

謹慎理財　信用無價

Please manage your finances carefully and value your credit.

信用卡循環信用年利率：本行定儲利率指數(按季)＋客戶信用等級加碼利率(4.25%～10.25%)， 基準日為104 年12 月1 日，依電腦評等而定，年息以銀行法所定之最高利率為上限。
Credit card interest rate: BOT Adjustable Rate for Consumer Loans (per quarter) + a rate defined by the card-holder's credit rating (4.25%~10.25%) determined through computer-based ratings and limited to the maximum rate as defined in the Banking Act (Base date: December 1, 2015).

預借現金手續費：預借金額×3%＋NT$150。
Cash advance service fee: Every cash advance×3%+TWD150

其他相關費用依本行網站公告。
Other applicable fees are listed on the public website of BOT.