The COVID-19 pandemic has lifted restrictions on travel, and there are many smart card swiping discounts available

        With the gradual lifting of border closures in various countries, overseas tourism and shopping have become the first choice for people to enjoy their holidays. However, due to factors such as rising crude oil prices, inflation, and increased epidemic prevention costs in the aviation industry, the current airfare and group fees are generally higher than before the epidemic. This issue of 'Finance Column' teaches you how to make the most of credit card rewards and enjoy a journey with high CP value!

        1、 Travel agencies enjoy full discounts in installments

                Although the current travel costs are relatively high, especially with the average price of Japanese tours being 20-30% higher than before the epidemic, as long as you choose the right credit card and consume with a designated travel agency, you can enjoy discounts on all installments, whether you swipe tickets, package itineraries, coupons, or book a room.

        Taking Far Eastern International Bank's "Far Eastern Group Lejia+Card" as an example, from April to June this year, we collaborated with travel agencies such as Lions, Coca Cola, EasyYou.com, Southeast... to launch a cumulative points/credits period with a maximum of 2% card payment reward; Consumers who have swiped NTD20000 yuan can also redeem for "Far EasTone Telecommunications Original Account Overseas Online (with a credit limit of NTD850)" or "Far Travel Card Purchase Number (with a credit limit of NTD850)", allowing them to freely check in and not worry about losing money!

        2、 Make good use of booking platforms to find discounts

        When planning tourism accommodation, it is recommended to first measure one's own needs, such as proximity to subway stations, abundant hotel facilities, comfortable room types, whether breakfast is required, etc., and then use booking comparison websites to find suitable and cost-effective targets.

        Common booking websites in Taiwan include Agoda, Hotels.com, Expedia, Booking.com, and Asia Yo, all of which offer card payment. Some booking websites also collaborate with bank credit cards to offer exclusive discounts and rewards. Before booking, check the credit card discount activities, which will save a lot of travel expenses. For example, Far Eastern International Bank cardholder can book a room on the Booking.com Far Eastern International Bank exclusive website and enjoy a pre tax rate of up to 10% credit card payment as a reward. There is no need to log in and there is no limit to the reward! By using the "Far Eastern Group Lejia+Card" and using foreign currency to settle your account, you can also enjoy a maximum of 5.5% credit card deposit reward. After deducting foreign transaction fees, the credit card deposit reward can reach up to 14%!

        3、 Free parking discount around the airport

        Airport transportation and round-trip is a necessary consideration for overseas travel. Taking Taoyuan International Airport as an example, the maximum daily parking fee for small cars is NTD490, with a cumulative cost of at least NTD3000 per week. If the free parking rights of credit cards can be properly utilized, a lot of expenses can be saved.

        Although most banks' credit cards cooperate with parking lots outside the airport, the free parking discount not only limits the card type, but also sets a consumption threshold. For example, some banks must pay full airfare or swipe unlimited/world cards for group fees in order to enjoy 30 days of free parking at Taoyuan International Airport and the surrounding parking lots of Kaohsiung International Airport; For other card types, the use of parking discounts is limited. In the current month and the first two months, only those who swipe full or 80% of the group fee or add NTD20000 can enjoy free airport parking services. It is recommended to call customer service personnel to clarify the usage restrictions.

        4、 The most favorable discount for travel shopping with matching cards

        Summer vacation is the peak season for going abroad. If you don't want to bring too much cash or traveler's checks when traveling, swiping your credit card is the most convenient, safe, and fast way. It is recommended to bring 2-3 credit cards to use alternately. Small expenses such as meals and souvenirs can be paid with cash. For large expenses such as hotel accommodation, transportation and entertainment vouchers, shopping and shopping, credit card payments can be used to not only reduce the risk of cash theft, You may also receive unexpected feedback from the bank.

        For example, the public loves to travel to Japan the most, shopping at the local electrical and cosmetic shopping mall. If they use the Far Eastern International Bank's "C'est Moi Travel and Leisure JCB Credit Card", they can enjoy a 10% credit card payment reward for the full amount, and the bank's feedback on overseas consumption is 1.5%, totaling a maximum reward of 11.5%.

        Friends who have not yet applied for this card do not need to worry. Lock in credit cards with limited code additions in Japan and South Korea, and make good use of merchant coupons, you can also enjoy high rewards! For example, when using the "Far Eastern Group Lejia+card" at a comprehensive shopping mall in Japan, overseas consumption can receive a full reward of 5.5%. With the addition of 10% duty-free and 7% discount Coupon coupons provided by merchants, a 22.5% reward can be easily put into the bag.

        In addition, as using credit cards abroad usually requires a handling fee of 1.5%, it is recommended to choose a credit card with a card payment reward of more than 1.5% to subsidize this expenditure; For payment currency, it is recommended to choose local currency to avoid incurring additional fees and exchange differences.

        In addition to planning your sightseeing itinerary happily, don't forget about travel insurance. As long as you use a credit card to pay more than 80% of the travel agency group fee or the full flight fee, cardholder, cardholder's spouse and parents, as well as unmarried children who are supported by them and under the age of 25, can enjoy the "Public Transport Travel Safety Insurance Protection". However, the insurance amount varies depending on the type of credit card used, and high-end top tier cards can enjoy up to NTD 50 million travel safety insurance; Platinum card/Imperial Seal card/Crystal Card can enjoy NTD 20 million; The basic Puka also has NTD7.5 million coverage, while enjoying travel inconvenience insurance coverage. In case of flight delay, baggage delay/loss, hijacking, and other situations, a certain amount of compensation can be obtained. If you want more complete travel protection, you can also choose to purchase "Overseas Full Travel Insurance" at your own expense, covering a wider range.

        Traveling can relax the body and mind, enrich the experience, but before going out, it is important to make a good plan and choose a credit card with credit card rewards or overseas consumption bonus activities. On the one hand, you can enjoy the advantages of delayed payment, shopping protection, and avoiding cash loss... on the other hand, you can also save on exchange differences, discounts, and handling fees to keep your wallet safe. Wishing everyone the opportunity to become a wise god!

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