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::: PersonalBusinessPB/AAMCESGAbout E.SUN
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Foreigner area

Welcome to apply E.SUN credit card!

Apply for Credit Card

Requirements

  • Primary credit card- Adults in accordance with the relevant laws and regulations of the Republic of China.
  • Supplementary card- Applicants must be 15 years of age or older while sharing a kinship with the primary cardholders, such as the primary cardholder's spouse, parent, child, sibling or parent-in-law,etc.

Mandatory documents

  • Photocopy of passport
  • Photocopy of residence permit
  • Applicants from Mainland China may additionally attach a photocopy of the “Taiwan Travel Permit for Mainland Residents”and “the entry/exit permit issued by the National Immigration Agency”
  • Photocopy of financial capacity- salary slip(in the past three months), payroll transfer/demand deposit passbook(containing the pages with your account number, account activities in the past three months), Tax Withholding Certificate/income statement (in the past year) or time deposit certificate.

    Things you should know:

    1.Passport, Taiwan Travel Permit for Mainland Residents, the entry/exit permit issued by the National Immigration Agency and residence permit must be valid for more than six months.

    2.If the validity period of the above documents mentioned above is about to expire, please notify E.SUN Bank initiatively(30 days before the expiry date) and offer the latest documents. If not, E.SUN Bank will temporarily suspend cardholder's credit card.

    3.E.SUN Bank reserves the right to approve or reject your application. The documents you attach and the application form will not be returned to you, regardless of whether or not your credit card application is approved.

Application
Process

Please request application form by visiting E.SUN branch.

If you are not the primary card holder of E.SUN bank's credit cards, you have to:

Step 1：Complete application form with applicant's signature.

Step 2：Submit required documents.

  • Personal identification：Copies of residence permit and passport.
  • Financial certificate：

    • (1) The Latest Yearly Withholding Statement or 3-month-income statement.

    (2) The Latest Yearly Individual Income Tax Return or latest 6-month-banking statement.

    (3) Real estate certificate.

    ※ Please kindly submit the following documents. The more documents submitted, the faster the application for the credit line will be handled.

 

Step 3：Send it to the address below.

  • Address：No.10, Aly. 17, Ln. 42, Zhongxing N. St., Sanchong Dist., New Taipei City 241, Taiwan
  • Recipient：Credit Card and Payment Division

 

If you are the primary card holder of E.SUN bank's credit cards, you only have to :

Step 1：Complete application form with applicant's signature.

Step 2：Send it to the address below.

  • Address：No.10, Aly. 17, Ln. 42, Zhongxing N. St., Sanchong Dist., New Taipei City 241, Taiwan
  • Recipient：Credit Card and Payment Division

Application Form

Apply for Debit Card

Application
Qualifications

Over the age of 15 who has E.SUN account may apply for the debit card.

Application
Process

Please apply for an E.SUN Bank Debit Card at any E.SUN Bank Branch. If you haven't open an E.SUN account yet, please prioritize to open an account at E.SUN Bank Branch in person. It is essential to bring following documents.
  • Copies of passport or residence permit
  • Record of ID NO. in the Republic of China
  • Secondary proof of ID

 

Domestic Branches

FAQs about Cards

Credit Card

1. How to activate the E.SUN bank credit card?

You may activate the credit card in any of the following way：

  • Online activation: Visit the credit card activity section on our website at https://card.esunbank.com.tw/EsunCreditweb/txnservice/activateCard.
  • Phone Activation: Please call (02) 2182-1313 and enter #123, or dial 0800-30-1313 and enter #123 (landlines only) → enter the cardholder's new UI number → enter the card number, expiration date, the last three digits, and the activation PIN.

    • ※ The activation PIN is your date of birth (ROC calendar) in 7 digits. For example, if your birthday is February 9, Year 81 of the ROC calendar, please enter 0810209.

2. How can I make payments to my credit card account?

Please be reminded that different payment due date by the entry date to different method.

Here are some easy ways to pay your Credit Card bill as below：

3. How to pay CHT fees, Electronic bill, Water bill, Gas bill, Parking fee and telecom bill through direct debit transfer from your credit card account?

You may apply this facility in any of the following way：

Telecom bill：Please download the application from the official website and mail to specify address or go to any telecom office to do the procedure.

4. How can I check my credit card account balance?

  • Netbank：Login to Netbank →Credit card → Credit Card Statement Overview →Viewing the billing statement within the latest 3 months.
  • Mobile banking：Login to Mobile Banking →Credit card →Statement Information→Viewing the billing statement within the latest 1 year.
  • Chatbot ：Click 'Credit Card Payment'  and follow the prompts for SMS verification to view the latest billing statement.

5. How to check my payment history?

  • Netbank： Login to Netbank →Credit card → Enquiry on the Details of Credit Card Expense Payment →Viewing the Payment Details within the latest 6 months.
  • Mobile banking： Login to Mobile Banking → Credit card → Payment records→ Viewing the Payment Details within the latest 6 months.
  • Chatbot ：Click 'Payment Record'  and follow the prompts for SMS verification to view the payment history for the past 6 months (shows up to 10 most recent records).

6. How do I switch to e-bill and stop receiving paper billing statement?

  • E.SUN Bank Official Website ：Apply Electronic Bill→Apply→Verify your identity and enter your SMS verification code to apply e-bill
  • Netbank：Login to Netbank →Credit Card → Credit Card E-statement → apply for e-bill
  • Mobile banking ：Login to Mobile Banking →Personal Service→ e-Statement→ Credit Card Statement →Change

※ Once you successfully apply for e-bill, the Bank will not continue to send paper statements. E-bill will be sent starting from the next billing cycle (including any re-issued statements).

※ Credit card e-bill are the same as paper statements and only sent to the primary cardholder.

※ To learn more about or experience our Credit Card e-Bill service, please visit the [e-Bill Official Website ].

7. How can I request a replacement copy of my credit card e bill?

  • Netbank：Login to Netbank →Credit card → Credit Card E-Statement → Resend Credit Card E-Statement .
  • Mobile banking： Login to Mobile Banking → Personal Service → e-Statement → Resend Email.

8. Can I modify the Settlement Day and Due Date?

Statement Date: You may change it according to your needs; however, it can only be changed once per year. Please submit your request through the smart customer service system .

Due Date: This cannot be changed. It is approximately 15 days after the statement date. If it falls on a Regular Day-off or a typhoon day announced by government authorities, it will be postponed to the next business day.

9. "Revolving credit" and "Revolving Interest Rate(s)"

 

  • "Revolving credit" means that you do not need to pay your credit card balance from transactions and cash advance in full within your credit limit by the due date. You only needto pay an amount higher the minimum due to be able to exercise your credit cardholder's rights. Interest will be charged by the Bank for the outstanding balance.
  • Minimum due=1. {Installment payment transactions (including cash advance and compensation transactions), mutual fund dollar cost averaging amount and credit card balance installment plan amount × 100%} + 2. {Newly-added ordinary purchase amount during the current cycle × 10%} + 3. {Outstanding balance that is non-installment plan credit card transactions from the previous cycle (including cash advance and compensation transactions) + newly-added non-installment plan cash advance and compensation transaction amount from the current cycle} × 5% + 4. Outstanding amount beyond the credit limit + non-purchase items (such as revolving credit interest, various handling fees, annual fees and card loss report fees, etc) +5. Accumulated aggregate of outstanding minimum dues from previous cycles (aggregate of the first three categories shall not be less than NT$1,000/US$35/JPY3,500/EUR25).
  • Revolving credit interest = amount available for interest accrual (including purchases and cash advance) × calculation duration (number of days) × revolving credit interest rate
  • The Bank approves different revolving credit interest rates based on your past interaction with the Bank and your credit scores (applicable revolving credit interest rates shall be disclosed in your monthly credit card billing statement, which are capped at 15%). For example: Your bill closing date is the third day of each month, and you made a purchase worth JPY50,000 on April 19. The Bank made an advance payment for you on May 1 (i.e. the posting date on your billing statement). You made another purchase worth NT$5,000 on April 20. The Bank made another advance payment for you on May 2 (i.e. the posting date on your billing statement). Your statement indicates that the payment due date is May 18. If you make a payment for NT$2,000 plus JPY20,000 by May 18, then your revolving interest for the month of June is: (assuming a yearly revolving credit interest rate of 15%) JPY revolving credit interest: (JPY50,000 - JPY20,000) × (a total of 33 days from May 1 to June 2) × (15% / 365) = JPY30,000 × 33 × 0.00041 = JPY406. NTD revolving credit interest: (NT$5,000 - NT$2,000) × (a total of 32 days from May 2 to June 2) × (15% / 365) = NT$3,000 × 32 × 0.00041 = NT$39

 

10. Default and late payment charges

  • If you pay less than the minimum amount you will be counted as behind with payments and may be charged default or late payment charges. E.SUN Bank will charge NT$300 for the first month,NT$400 for the second consecutive month, NT$500 for the third consecutive month.The maximum default and late payment charge will be three months.
  • Default and late payment charge will not be charged if the amount of payment is lower than NT$1,000/USD $35/JPD 3,500/EUR 25.

11. Handling Fee for Overseas Transaction

All of the cardholder's credit card bills and refunds shall be settled in NTD or the designated foreign currency. If a transaction (including online transactions) or a refund is made in foreign currency, or if it is conducted overseas in NTD (including overseas designated merchants or online transactions), the cardholder authorizes E.SUN Bank to directly covert it to NTD or the designated foreign currency for settlement, based on the exchange rate on the foreign exchange settlement day stipulated by each international credit card organization. In addition, E.SUN Bank will charge the handling fees payable to each credit card international organization as well as an overseas transaction service fee calculated at 0.5% of the transaction amount before settlement. (The latest overseas transaction service fee rates of each international credit card organization are explained in the table below.)


International card network brand Handling Fee Rate
Transactions in New Taiwan Dollars Conducted Overseas
(including transactions with merchants acquiring through overseas banks or online transactions) 		Foreign currency transactions for overseas card usage
(including online transactions)
Visa 1.5% 1.5%
Mastercard 1.5% 1.5%
JCB 1.5% 1.5%

※ Reminder

  • Some overseas merchants may use the “DCC (Dynamic Currency Conversion)” mechanism at checkout. Please be reminded that for overseas transactions (including in-store and online purchases), you must carefully confirm the transaction currency and amount at the point of sale. If the merchant converts the transaction into New Taiwan Dollars using the on-the-spot exchange rate under the DCC mechanism, you will still be charged a 1.5% foreign transaction service fee.
  • For overseas transactions that are refunded or cancelled, the conditions for refunding the foreign transaction service fee are as follows:
    • For Visa credit cards, the foreign transaction service fee incurred from the original transaction will not be refunded.
    • For Mastercard and JCB credit cards, the foreign transaction service fee generated from the refunded amount will be returned.

12. How to redeem my E.SUN e point?

E.SUN e point redemption categories include merchandise redemption, e-vouchers, airline miles, partner points, urban parking, and purchase offset. The redemption methods are as follows:

  • Merchandise Redemption
  • Official Website:[Products & Services] → [Credit Cards] → [Rewards]
  • Mobile Banking:[Home] → [Credit Cards] → [Credit Card Rewards]
  • E.SUN Wallet:[Home] → [Lifestyle]
  • Convenience Store Kiosks
  • Instant Payment Offset:Use E.SUN Wallet → [Barcode Payment / Scan Payment], and enable "Use e point for offset."
  • Billing Offset: E.SUN Wallet → [Home] → [Lifestyle] → select "Points Offset."
  • Points Transfer: E.SUN Wallet → [Home] → [Lifestyle] → select "Points Transfer."
  • Urban Parking Redeem ：40 E.SUN e-Points for 1 hour of urban parking at "Dudu House" or "24TPS." The maximum offset per parking session is up to 3 hours. No daily usage limit.

※ E.SUN Wallet User Guide

※E.SUN e point Usage Guide

13. What Can I do when I lost my credit card?

If your credit card is lost, please report it immediately to ensure card security.

Reporting Methods:：

  • Online Reporting:Please click [Credit Card Loss Report ].
  • Phone Reporting:Please contact the Credit Card Loss Reporting Hotline at (02) 2182-1301.

Important Notes:：

  • The maximum liability for unauthorized use prior to reporting the loss is NTD 3,000 (subject to the terms and conditions of each card).Once the loss report is processed, the Bank will assume the risk of unauthorized use occurring within 24 hours prior to the report.
  • Unless otherwise agreed by the Bank to waive or reduce the fee, a loss reporting fee of NTD 200 per card will be charged.

14. How to inquire the statement date and payment due?

  • The statement date will be one working day earlier if the original statement date is a public holiday. Payment due date will be one working day later if the original payment due date is public holiday.
  • Please check the statement date and payment due by：
  • Netbank： Login to Netbank →Credit card→ Credit Card Statement Overview →Viewing the billing statement within the latest 3 months for the statement date and payment due date.
  • Mobile banking：Login to Mobile Banking → Credit card →Statement Information →Viewing the billing statement within the latest 1 year for the statement date and payment due date.
  • Chatbot： Click "Credit Card Payment"  and follow the prompts for SMS verification to view the latest billing statement.

15. How to update the basic information,such as billing address or telephone?

You may update your contact information through the following methods:

  • In-Branch Application: Please bring your ID to any branch and complete the information update form to submit your request.
  • Online Update: Please visit the Personal Information Update Platform to make changes.

    • ※ Reminder: Verification via SMS OTP is required. Please ensure that your SMS OTP service is activated in advance.

    ※ If you are unable to make changes through this platform, please call (02) 2182-1313 or 0800-30-1313 (landlines only), press #10, and a customer service representative will assist you.

16. How to view my history transaction?

  • Netbank：
    Login to Netbank →Credit card→ Enquiry on the Details of Credit Card Expense →Viewing the Transaction Description within the latest 1 year for the Details of Credit Card Expense.
  • Mobile Banking ：
    Login to Mobile Banking →Details of Credit Card Expense → Viewing the Transaction Description within the latest 1 year for the Details of Credit Card Expense.

17. How can I do if I haven't received the billing statement?

You may apply for duplicate statement delivery through the following channels:

18. Cash Advance Handling Fee?

Each sum of handling fee = amount of cash advance × 3.5% + (TWD150/USD5/JPY550/EUR4). For other related rates, please refer to Fees and services.

Debit Card

1. How many E.SUN bank saving account can you link to your debit card?

Each debit card link to one saving account only.

2. Is it required that providing an e-mail account when apply for debit card?

It is not required,but E.SUN Bank will send an e-mail for transaction summary to cardholder's e-mail account on 13th day of every month.Cardholder can check the transaction details by Netbank and passbook as well.

3. What is the maximum amount for Daily Transaction Limit?

The Maximum daily sub- limit is NT$150,000, including transaction and withdrawal.

4. Can Debit Card make an offline transaction?

Debit card is for online transaction only. Offline transaction can't be made by debit card, such as tax or shopping onboard.

5. Can I make an installment transaction by debit card?

Debit Card cannot make an installment transaction.

6. Can I make a transaction in self-service gas station by debit card?

Yes, you can make transaction in self-service gas station with the notice of Visa/Mastercard by debit card.

7. Can I take High Speed Rail by debit card?

Cardholder can buy the ticket by debit card,but cannot tap the card for entering the station by EasyCard directly.

8. Fees and Charges?

  • Local ATM Cash Withdrawal Service Fee (Non-E.SUN Bank ATM)：NT$5
  • Local ATM Transfer Service Fee (Non-E.SUN Bank ATM)：NT$15
  • Overseas ATM Cash Withdrawal Service Fee：NT$70+1.5% of total withdrawal amount.
  • International Transaction Fees：Handling Fee by Card networker and Handling Fee by E.SUN Bank (0.5% of total transaction amount).

9. Is there any amount limited for autoload by E.SUN EasyCard Debit Card?

  • Daily Autoload Limited: 6 times,NT$500 for each time.
  • Amount Limited by EasyCard for Every Single Transaction：$1,000
  • Daily Amount Limited by EasyCard：NT$3,000

10. How Can I Make an Autoload Transaction by E.SUN EasyCard Debit Card?

Autoload Transaction is available in convenient store or AVM in MRT Station, and can't be made in the gateway of MRT, Railway and High Speed Rail.

11. What Can I do when I lost my debit card?

Please dial the service hotline (02) 2182-1318 or contact the branches of E.SUN Bank for reporting missing card.

The balance of the missing EasyCard will be refunded to linked saving account within 45 days.

12. Will the blocked spending still earn interest?

Yes, interest will still be earned before the merchant requests the payment.

13. How to activate a debit card?

You can activate your debit card by visiting our website at link.

Contact Us

English Service

You can check FAQs, billing statement inquiry by visiting our website at link

Call center

Please feel free to contact our 24-hour call center at (02) 2182-1313 For English service, please press 7.

Please manage your finances carefully and value your credit

Products featuring a zero-interest installment plan: zero handling fees and zero annual percentage rates. Revolving credit rate: 5.88%-15%(determined by your credit score from the Bank; base date: September 1 2015) Service charges for cash advance (based on the cash advance settlement currency): the amount of cash advance x3.5%+(NTD 150/USD 5/JPY 550/EUR 4). Other relevant rates shall be announced on the Bank's website and application form.