用 10 分鐘重設你的信用卡策略
最後更新: 2026年9月2日
Stop chasing every perk. Start with the spending you already make.
用 10 分鐘重設你的信用卡策略
Stop chasing every perk. Start with the spending you already make. 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. annual fee after waiver；2. reward cap and merchant exclusions；3. statement due date
如何使用這份指南
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。
一個可完成的下一步
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。
資料來源
資料與更新：請以官方資料為準。 HKMA: Smart tips on using credit cards: https://www.hkma.gov.hk/media/eng/doc/key-functions/banking-stability/consumer-corner/Credit_Card_Eng_Text_Final_Credit_Card_Statement.pdf
Fast comparison checklist
| Check | Why it matters | Your next move |
|---|---|---|
| annual fee after waiver | It changes the real-world value or risk. | Confirm it in the official terms. |
| reward cap and merchant exclusions | It changes the real-world value or risk. | Confirm it in the official terms. |
| statement due date | It changes the real-world value or risk. | Confirm it in the official terms. |
Decision readiness check
Illustrative self-score (0–10). This is a planning tool, not market or product performance data.