2012綜所稅刷卡總整理 26家無條件免收費
<p class="T15" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"> 個人綜合所得稅自</span><span lang="EN-US">5</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">月</span><span lang="EN-US">1</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">日起開徵，許多納稅義務人習慣刷信用卡來繳納稅款，而各大銀行也抓緊時機衝刺業績。在「輸人不輸陣」競爭下，今</span><span lang="EN-US">(101)</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">年一次付清無條件免收手續費的銀行高達</span><span lang="EN-US">26</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">家，創下歷年來的新高。同時還有加碼</span><span lang="EN-US">3C</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">商品、萬元刷卡金的促刷方案，卡友們可得好好盤算刷哪卡最有利，以免錯失「卡」好康的機會。</span></p>
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<p class="T15" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"> 根據財金公司統計資料顯示，去</span><span lang="EN-US">(100)</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">年透過信用卡繳綜所稅的筆數超過</span><span lang="EN-US">45</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">萬筆，較前</span><span lang="EN-US">(99)</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">年滑落</span><span lang="EN-US">14.62%</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">，不過金額卻逆勢成長</span><span lang="EN-US">29.4%</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">，達到</span><span lang="EN-US">271.7</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">億元，平均每筆自前年的</span><span lang="EN-US">39,542</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">元躍升至</span><span lang="EN-US">59,947</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">元，顯示負擔高額稅金的民眾，偏愛利用刷卡途徑納稅，銀行業者也趁勢祭出各項優惠來拉攏卡友。</span></p>
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<p class="T15" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"> 去年刷卡一次付清無條件免收手續費的銀行共</span><span lang="EN-US">23</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">家，今年增加臺灣銀行、合作金庫、彰化銀行、台北富邦等銀行，均全面放寬原先有條件免收手續費的門檻。不過，永豐銀行退出無條件免收的行列，今年改為須在</span><span lang="EN-US">3-5</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">月不限金額任刷</span><span lang="EN-US">1</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">筆，才有免收優惠，因此使得今年無條件免收手續費的銀行增為</span><span lang="EN-US">26</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">家，為歷年來最多的一年。</span></p>
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<p class="T15" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"> 不僅釋出無條件免收利多的銀行增加，就連設有「門檻」的免收手續費條件，也顯得相當容易過關。像是兆豐銀行限定無限卡、世界卡、</span><span lang="EN-US">VISA</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">金融卡免收，而其他卡稅額在</span><span lang="EN-US">100</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">萬以下也免收，等同一般民眾同樣可享有免費的好康，而華南銀行卡友也是稅額低於</span><span lang="EN-US">100</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">萬元，可免收繳稅手續費。</span></p>
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<p class="T15" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"> 而須有消費才享免收優惠的銀行，則有永豐銀行</span><span lang="EN-US">3</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">至</span><span lang="EN-US">5</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">月不限金額至少刷</span><span lang="EN-US">1</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">筆；上海商銀及陽信銀行</span><span lang="EN-US">5</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">月新增消費須達</span><span lang="EN-US">5,000</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">元；聯邦銀行旗下聯名卡、認同卡稅額</span><span lang="EN-US">20</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">萬元以下的卡友，也須有不限金額新增消費的紀錄，其實門檻也很低，銀行的目的只是希望卡友別忘了「他」的存在。</span></p>
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<p class="T15" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"> 在分期繳稅方面，今年國泰世華銀行加入零利率行列，永旺信用卡與臺灣銀行各新增分</span><span lang="EN-US">3</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">期與</span><span lang="EN-US">6</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">期免收手續費。目前國泰世華、萬泰、渣打、中國信託、上海商銀與遠東商銀，均提供</span><span lang="EN-US">3</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">期零利率；持大眾銀行分享卡更可享</span><span lang="EN-US">4</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">期零利率。值得注意的是，日盛銀行取消分期零利率優惠，安泰銀行則是分期繳稅服務喊停。</span></p>
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<p class="T15" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"> 每逢繳稅旺季，銀行業者間總會上演「諜對諜」、「仙尬仙」的情節，擔心優惠被其他家比下去，不僅堅持到最後關頭才釋出方案，更加碼「禮」遇卡友。今年銀行贈品大吹科技風，包含台北富邦、中國信託、台新、永豐、玉山等銀行，均送出</span><span lang="EN-US">iPad2</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">，其中玉山銀行卡友並有機會抽中黃金。其他銀行也多半有贈送刷卡金、紅利點數、登機箱、餐券</span><span lang="EN-US">…</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">等方案。</span></p>
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<p class="T15" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">各銀行信用卡繳納綜所稅方案，如下表：</span></p><p class="T15" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"><img src="http://www.cardu.com.tw/imgupload/201204301203382.jpg" border="0"><br></span></p><p class="T15" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"><br></span></p><p class="T15" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">From: </span><a href="http://www.cardu.com.tw/news/detail.htm?nt_pk=4&ns_pk=16015" target="_blank">Cardu</a></p>