生意與個人消費分開，趁未亂之前 | SmartDollar 香港 | SmartDollar

生意與個人消費分開，趁未亂之前

最後更新: 2026年9月2日

One account structure can make records, tax time and decisions clearer.

One account structure can make records, tax time and decisions clearer. 這篇文章不是產品推薦，也不是個人化意見；它提供一套讓你在行動前核實細節、衡量取捨的實用流程。

行動前核實三件事

1. dedicated payment method；2. receipt capture；3. monthly reconciliation

先以自己的現金流、時間和風險承受能力作篩選，再比較條款。遇到「高達」、「限時」或「保證」等字眼時，特別要查看資格、上限、費用和生效日期。

下一步：只選一項你可以在今天完成的核實行動，例如開啟官方條款、記下截止日期，或把問題交給發卡機構／服務供應商。

資料與更新：請以官方資料為準。 IRD: 2026–27 Budget tax measures: https://www.ird.gov.hk/eng/faq/budget2026_27.htm

Check	Why it matters	Your next move
dedicated payment method	It changes the real-world value or risk.	Confirm it in the official terms.
receipt capture	It changes the real-world value or risk.	Confirm it in the official terms.
monthly reconciliation	It changes the real-world value or risk.	Confirm it in the official terms.

Illustrative self-score (0–10). This is a planning tool, not market or product performance data.