Cashback credit cards remain a popular choice among Taiwanese consumers for their straightforward rewards structure. In 2025, banks have refined their offerings to stand out in a competitive market. This article reviews the best cashback cards available, focusing on categories, rebate percentages, caps, and annual fees. Whether you prioritize general spending, online shopping, or utility bills, there is a card tailored to your needs. For a broader overview of selecting a credit card in Taiwan, see our complete guide to choosing the best credit card in Taiwan.

HSBC Live+ Card

The HSBC Live+ Card (formerly HSBC Cashback Card) is a standout for its high rebate on designated lifestyle categories. It offers 3.88% cashback on dining, entertainment, and online shopping, with a monthly cap of NT$300 per category. For general spending, the rebate is 0.5% uncapped.

Key features

  • Annual fee: NT$2,000, waived if spending exceeds NT$240,000 per year or if you have an HSBC Premier account.
  • Foreign transaction fee: 1.5%.
  • Minimum redemption: NT$300 cashback (or NT$100 for auto-redemption).
  • Additional perks: Free airport lounge access twice per year with minimum spending.

The 3.88% category cap of NT$300 means maximum reward of NT$300 per category per month, which is suitable for moderate spenders. Heavy users may prefer uncapped options.

Taishin Fish Card

The Taishin Fish Card (Taishin International Bank) is designed for online shopping and digital entertainment. It provides 3% cashback on all online transactions, including streaming services, with a monthly cap of NT$500 (i.e., up to NT$16,667 in online spending). For overseas online purchases, the rebate is also 3%.

Key features

  • Annual fee: NT$2,400, waived if spending exceeds NT$120,000 per year or if you have a Taishin digital account.
  • Foreign transaction fee: 1.5%.
  • Minimum redemption: NT$100 cashback automatically credited to statement.
  • Additional perks: Free e-tag and parking benefits at Taishin-affiliated malls.

The Fish Card is ideal for frequent online shoppers. However, the NT$500 cap may be limiting for high spenders. For a comparison of other online shopping cards, check our guide.

E. SUN Bank Only Card

E. SUN Bank’s Only Card (Only Card) offers a unique tiered cashback system based on previous month’s spending. If you spent at least NT$5,000 in the previous month, you get 2% cashback on all purchases (up to NT$10,000 cashback per month). If spending is below NT$5,000, the rebate drops to 0.5%.

Key features

  • Annual fee: NT$2,000, waived if annual spending exceeds NT$100,000.
  • Foreign transaction fee: 1.5%.
  • Minimum redemption: Cashback automatically credited to next statement.
  • Additional perks: Free primary airport lounge access twice per year with NT$100,000 annual spending.

This card is best for consistent monthly spenders who can maintain the NT$5,000 threshold. The 2% uncapped cashback is excellent for everyday purchases.

CTBC Bank All-Mile Card

The CTBC All-Mile Card (CTBC Bank) is a cashback card that rewards spending on travel and transportation. It gives 2% cashback on all purchases, with an extra 1% bonus on travel-related spending (flights, hotels, taxis) for a total of 3% on travel. The 2% base has a monthly cap of NT$2,000 (i.e., up to NT$100,000 in spending).

Key features

  • Annual fee: NT$2,400, waived if annual spending exceeds NT$120,000.
  • Foreign transaction fee: 1.5%.
  • Minimum redemption: NT$200 cashback automatically credited.
  • Additional perks: Free travel insurance and airport transfers.

This card suits frequent travelers. The 3% on travel is competitive, but the cap may be restrictive for high spenders.

Citibank Cash Back Card

The Citibank Cash Back Card (now under DBS after acquisition) offers a flat 0.5% cashback on all spending, with a bonus of 1.5% on designated categories that change quarterly (e.g., supermarkets, gas stations). The bonus is capped at NT$300 per quarter, so effective cashback on those categories is up to 2% (0.5% base + 1.5% bonus).

Key features

  • Annual fee: NT$2,400, waived if annual spending exceeds NT$100,000.
  • Foreign transaction fee: 1.5%.
  • Minimum redemption: NT$300 cashback.
  • Additional perks: None notable.

This card is best for those who can align spending with the quarterly categories. Otherwise, the base 0.5% is low.

Comparing annual fees and caps

When choosing a cashback card, consider the annual fee waiver conditions and cashback caps. For example, the HSBC Live+ Card offers high category rebates but low caps (NT$300 per category). The Taishin Fish Card caps online rebates at NT$500 per month. The E. SUN Only Card has no category cap but requires NT$5,000 prior-month spending. The CTBC All-Mile card caps 2% base at NT$2,000 per month.

Fee waiver comparison

  • HSBC Live+: Waived with NT$240,000 annual spending or Premier account.
  • Taishin Fish: Waived with NT$120,000 annual spending or digital account.
  • E. SUN Only: Waived with NT$100,000 annual spending.
  • CTBC All-Mile: Waived with NT$120,000 annual spending.
  • Citibank Cash Back: Waived with NT$100,000 annual spending.

All cards have a foreign transaction fee of 1.5%, so they are not ideal for overseas spending unless the cashback exceeds that fee.

Maximizing cashback in 2025

To get the most from your cashback card, follow these tips:

  1. Use category-specific cards for high-rebate categories (e.g., HSBC Live+ for dining and online, Taishin Fish for online, CTBC All-Mile for travel).
  2. Track monthly caps to avoid exceeding the maximum rebatable amount. For instance, after reaching NT$300 on HSBC Live+ dining, switch to a flat-rate card like E. SUN Only.
  3. Combine cards: Use a high-category card for targeted spending and a flat-rate card for everything else. For example, use HSBC Live+ for dining and E. SUN Only for general purchases.
  4. Watch for promotional periods: Banks often offer limited-time offers bonus categories. Check your card’s app or website quarterly.
  5. Pay annual fees strategically: If you cannot meet the waiver threshold, consider downgrading to a no-fee card or closing the account.

For more detailed strategies, see our complete guide to choosing the best credit card in Taiwan.

Conclusion

Taiwan’s cashback card landscape in 2025 offers something for every spending pattern. The HSBC Live+ Card leads in lifestyle categories, the Taishin Fish Card dominates online shopping, the E. SUN Only Card provides uncapped 2% for consistent spenders, and the CTBC All-Mile Card rewards travelers. Evaluate your monthly spending habits, category preferences, and ability to meet fee waiver thresholds to select the best card. Remember that no single card is perfect; a combination often yields the highest total cashback.

Related articles

  • The Complete Guide to Choosing the Best Credit Card in Taiwan
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  • Low Interest Credit Cards in Taiwan
  • Credit Card Rewards Programs in Taiwan
  • How to Apply for a Credit Card in Taiwan