LINE Points have become one of the most versatile rewards currencies in Taiwan, accepted at thousands of online and offline merchants. Unlike traditional airline miles or cashback, LINE Points can be used for purchases, mobile top-ups, and even transferred to other loyalty programs. For heavy LINE users, earning points through credit card spending is a smart way to accumulate value without extra effort. This article details the best credit cards for earning LINE Points, including earning rates, bonus categories, and practical redemption tips.
Why LINE Points Matter
LINE Points are the loyalty currency of the LINE messaging app, which is used by over 21 million people in Taiwan. Points can be earned through purchases, app usage, and promotions. They can be redeemed for LINE stickers, theme packs, mobile gift cards, or converted to other rewards. The value of 1 LINE Point is approximately NT$1 when used for purchases at participating stores like 7-Eleven, FamilyMart, PX Mart, and many online retailers. This makes them almost as flexible as cash.
Top Credit Cards for Earning LINE Points
1. LINE Bank Fast Credit Card
Issued by LINE Bank (a joint venture between LINE and Taipei Fubon Bank), this card is designed specifically for LINE enthusiasts. It offers 2% LINE Points on all spending with no cap, plus additional bonuses on LINE Pay transactions: 5% LINE Points when using LINE Pay with the card at designated stores (up to NT$200 per month). The card also provides 1.5% LINE Points on general spending after meeting a monthly spending threshold of NT$5,000.
- Annual Fee: Free forever
- APR: 6.74%–15% variable
- Key Benefit: No minimum spending for the base 2% rate
This card is ideal for users who want simplicity and a high base earning rate. However, the 5% bonus is limited to specific merchants such as 7-Eleven, FamilyMart, Carrefour, and Starbucks.
2. Taipei Fubon Bank LINE Friends Card
This co-branded card features popular LINE Friends characters and offers 2.8% LINE Points on all spending, but only if you meet a monthly spending requirement of NT$10,000. If you spend less, the rate drops to 1.8%. The card also provides 5% LINE Points on LINE Pay purchases at designated online stores (up to NT$300 per month).
- Annual Fee: NT$2,400 (waived after spending NT$60,000 per year)
- APR: 6.74%–15% variable
- Key Benefit: High earning rate for high spenders
This card suits those who can consistently spend over NT$10,000 per month. The 2.8% rate is among the highest for flat-rate LINE Points cards.
3. CTBC Bank LINE Pay Card
CTBC Bank offers a card that integrates seamlessly with LINE Pay. It provides 1% LINE Points on all spending, with 3% LINE Points on LINE Pay purchases at designated merchants (e.g., 7-Eleven, FamilyMart, PX Mart) and 5% LINE Points on LINE Pay purchases at selected online stores like Shopee, PChome, and momo. The 3% and 5% bonuses are capped at NT$200 per month each.
- Annual Fee: Free
- APR: 6.74%–15% variable
- Key Benefit: High bonus rates for frequent LINE Pay users
This card is best for users who regularly shop at convenience stores and major online platforms using LINE Pay.
4. Taishin Bank LINE Pay Card
Taishin Bank's LINE Pay card offers 1% LINE Points on all spending, with 3% LINE Points on LINE Pay purchases at convenience stores, supermarkets, and department stores, and 5% LINE Points on LINE Pay purchases at online shopping portals. The bonus caps are NT$200 and NT$300 per month respectively.
- Annual Fee: Free
- APR: 6.74%–15% variable
- Key Benefit: Similar to CTBC but with different merchant categories
This card is a good alternative to the CTBC version, especially if you prefer the merchant list offered by Taishin.
5. E.SUN Bank LINE Pay Card
E.SUN Bank issues a LINE Pay card with a slightly different structure: 1% LINE Points on general spending, 2.5% LINE Points on LINE Pay purchases at designated stores, and 4% LINE Points on LINE Pay purchases at selected online stores. Bonus caps are NT$200 and NT$300 per month respectively.
- Annual Fee: Free
- APR: 6.74%–15% variable
- Key Benefit: Decent bonus rates with lower spending requirements
This card is suitable for users who want a balance between base rate and bonus categories without high spending thresholds.
How to Maximize LINE Points Earnings
To get the most out of your LINE Points credit card, consider these strategies:
- Use LINE Pay for all eligible transactions. Many cards offer higher rates when you pay via LINE Pay rather than swiping the physical card.
- Meet spending thresholds. Cards like the Taipei Fubon LINE Friends Card require NT$10,000 monthly spending to unlock the highest rate. Plan your expenses accordingly.
- Combine with promotions. LINE Pay often runs bonus point events, such as extra points for spending on weekends or at specific stores. Check the LINE app regularly.
- Pay your bill on time. Late payments can result in forfeiture of earned points.
- Use a card that matches your spending habits. If you shop mostly at convenience stores, choose a card with higher bonus rates there. If you spend a lot online, pick one with strong online bonuses.
For a broader perspective on choosing the best credit card in Taiwan, see our complete guide.
Redemption Tips for LINE Points
LINE Points can be redeemed in many ways. The most straightforward is to use them directly at participating stores: simply show your LINE Pay barcode and apply points to your purchase. You can also use points to buy LINE stickers, themes, or gift cards for platforms like Google Play and App Store. Another option is to transfer points to other loyalty programs, such as Asia Miles or Happy Go, though the conversion rate may not be favorable.
For frequent travelers, LINE Points can be converted to airline miles through certain banks. For example, Taipei Fubon Bank allows conversion of LINE Points to Asia Miles at a rate of 2:1. However, it's often better to use points directly for purchases since the value is fixed at 1 point = NT$1. For more on maximizing travel rewards, read how to earn free flights.
Comparing LINE Points Cards to Other Rewards
While LINE Points cards offer great flexibility, they may not always be the best option. Cashback cards, for instance, provide direct monetary value without the need to redeem through an ecosystem. If you prefer cash, consider the best cashback cards in Taiwan. For those interested in travel rewards, top miles credit cards might offer better value for international flights. Additionally, flat-rate vs. rotating cashback cards have different structures that may suit your spending patterns.
Using LINE Points with Mobile Payments
LINE Pay is one of the most popular mobile payment methods in Taiwan. By linking your LINE Points credit card to LINE Pay, you can earn bonus points on top of the base rewards. Many cards offer extra points for LINE Pay transactions, as detailed above. For more on mobile payment rewards, see our mobile payment rewards guide.
Final Thoughts
Choosing the right credit card for earning LINE Points depends on your spending habits and preferences. The LINE Bank Fast Credit Card is excellent for simplicity and no minimum spending, while the Taipei Fubon LINE Friends Card rewards high spenders. The CTBC, Taishin, and E.SUN cards offer attractive bonus categories for LINE Pay users. Always consider your typical monthly spending and where you shop most to select the card that maximizes your points.
Remember that points expire if not used within a certain period—typically one to two years depending on the card. Keep track of your balance and redeem regularly to avoid losing value.