E. SUN Dual-Currency Card

• Must open NTD & foreign currency accounts with E. SUN Bank as well as apply for automatic bill payment through their foreign currency accounts.
• Automatic bill payment through foreign currency accounts must designate “automatic bill payment through their foreign currency accounts”. When the balance of the foreign currency account is insufficient and the automatic debit fails, the balance in the NTD account will be converted to the designated foreign currency at the exchange rate on the date of the failed debit and deposited into the designated foreign currency account for debiting the foreign currency payable.
• You are welcome to use Internet Banking to purchase foreign currencies and have your foreign currency account automatically debited on the payment due date of your credit card bill for overseas consumption, which is convenient and you can also enjoy the offers of Internet Banking exchange!


• Online account opening
• Open an account online and enjoy special offers
• Special terms and conditions for Dual-Currency Card

Choose from USD, EUR and JPY, and settle your overseas consumption in foreign currencies. You may enjoy convenient services and special benefits during your business trip!

• All purchases made with Dual-Currency Card in Taiwan (excluding stores whose acquiring banks are foreign banks) are paid in NTD.
• All overseas purchases made with USD Dual-Currency Card (including stores whose acquiring banks are foreign banks) are paid in USD.
• All overseas purchases made with EUR Dual-Currency Card (including stores whose acquiring banks are foreign banks) are paid in EUR.
• All overseas purchases made with JPY Dual-Currency Card (including stores whose acquiring banks are foreign banks) are paid in JPY.
• Foreign currency bills can only be automatically debited from E.SUN foreign currency account. (Automatically deducted on the payment deadline).

Notes

• Purchases made with E.SUN Dual-Currency Card at foreign countries or the stores whose acquiring banks are foreign banks are paid in foreign currency. Please note that although the online store is displayed in traditional Chinese, the acquiring institution may be a foreign bank. When you make a purchase with E.SUN Dual-Currency Card, the transaction amount will be converted to the designated foreign currency for settlement, regardless of whether the transaction amount is shown in NTD or foreign currency on the website.
• Foreign purchases refer to the special stores registered in a foreign country or are charged with "foreign transaction service fees", including foreign physical stores or foreign shopping websites, but excluding investment transactions and exchange platforms (such as eToro, MCO, Wise, crypto.com, OANDA Australia, Binance Currency, etc.) and traveler's checks.
• All foreign purchases are paid in the designated foreign currency, regardless of whether the transaction currency is NTD or foreign currency.
• Common overseas special stores:
  • Online shopping platforms: Amazon, Taobao, Rakuten, ZALORA, iHerb, ASOS, shopbop, etc.
  • Booking websites: Agoda, Hotels.com, Booking.com, Trip.com, Expedia, etc.
  • Online entertainment: Netflix, Disney+, Spotify, itunes, Google Play, Nintendo, etc.
  • Transportation: Scoot, Peach Aviation, Jetstar Airways, etc.

  ※ Please be reminded that the same official website of the airline may have different currency conversions according to the place of departure!

Dual-currency credit card payments in foreign currencies are automatically debited from your E.SUN foreign currency account only. It is recommended to buy foreign currency through Internet banking/mobile banking before the payment deadline to enjoy foreign exchange offers.

Download E.SUN Mobile Banking APP and set up - “exchange rate alert” to be informed of ideal exchange rate in time!

• Internet banking offers
• Download mobile banking APP

• Free annual fee for the first year; primary card: NT$3,000/card, free for the supplementary card.
• Annual fee for the next year is waived (one of these criteria can be met)
  
  • Combined annual transaction amount from the primary and supplementary credit cards of NT$150,000 (inclusive) or (Combined calculation for NTD and foreign currency purchases)
  • The primary cardholder's foreign currency asset balance with E.SUN is equivalent to NT$150,000 or more at the end of any month during the previous year. For example, if the annual fee is incurred in July 2022, the balance of foreign currency assets at the end of any month from January 2021 to December 2021 of the previous year will be reviewed to ensure that it reaches the equivalent of NT$150,000 using the exchange rate at the end of that month.

  ※ Balance of foreign currency assets: The balance of foreign currency accounts (including foreign currency demand deposits and time deposits) is added to the fund balance debited from the foreign currency accounts.

• The annual fee waiver threshold does not include the following transactions: non-purchase items such as cash advances, compensations, collections for third parties, operating expenses/handling fees, refund/sales returns, card loss report fees, card production fees, annual fees, revolving credit interest, service costs, default penalties, and disputed transactions. For installment payment transactions, only the first installment will count as a completed purchase, but the total amount will still be aggregated.