The momo card is a co-brand between Taipei Fubon Bank and Fubon Media Technology, which runs momo, an online retailer in Taiwan. It pays in two different currencies: mo coins when you spend at momo, and cash back that is credited against your card bill everywhere else. This guide goes through what Fubon lists in October 2026, how the caps and expiry dates work, and what is left out.
The card at a glance
- 3%
- At momo
- 1%
- Other spending, in Taiwan and abroad
- 0.5%
- Insurance premiums
- NT$0
- First-year fee
Paid in mo coins, with a cap per statement
Cash back, no cap, with the exclusions below
Or up to 12 instalments at 0% interest
Then NT$1,800 unless it is waived
What counts as momo, and how you pay
Fubon defines momo as the momo shop, TV shopping, catalogues, mo store+ and cross-border shopping on momo. The whole site is eligible except products marked as special on their page. The way you pay matters:
The card itself, or the card in Apple Pay, Google Pay or Samsung Pay, earns the 3% at momo.
LINE Pay and JKOPay do not. Fubon treats them as ordinary spending, at 1%, even when the card is bound to them and the purchase is at momo.
Instalments through a merchant earn nothing at momo.
The cap
The 3% is capped for each statement, counting the main and additional cards together.
| Statements closing | Cap | Spending that reaches it |
|---|---|---|
| October 2026 to January 2027 | 2,000 mo coins | About NT$66,700 at momo |
| Any other month | 1,000 mo coins | About NT$33,300 at momo |
Spending is counted by when the merchant posts it, which Fubon says is usually 3 to 5 days after the purchase, and your statement closing date is an even day between the 2nd and the 26th. A purchase on the last days before closing can land on the next statement. The 1% on other spending has no cap.
Mo coins and cash back
| Mo coins | Cash back | |
|---|---|---|
| Earned on | Spending at momo | Other spending, abroad spending and insurance |
| Worth | NT$1 each at momo, with no limit on how much of a purchase they pay | Credit on the card bill |
| Arrives | About 10 business days after the spending posts, in the main cardholder's momo account | Applied against new purchases on the next six statements |
| Runs out | One year after the date the coins are paid | If it is not used by the close of the sixth statement |
| Your job | Verify the momo account within 30 days of the purchase, or the coins earned so far go to zero | Nothing, but a statement with no new purchases uses none |
Fubon moved the rewards for spending outside momo from mo coins to cash back on 1 April 2026, and its notice says the cash credit comes off new purchases on the next six statements. Because it is applied to new purchases, a statement where returns outweigh new spending takes none.
What earns nothing, and what happens abroad
Fubon's 1% covers ordinary spending, and its list of what is not ordinary is long:
In-person spending in countries Fubon lists as part of the European Economic Area, which for this card currently means 31 named countries, among them France, Germany, Italy, Spain, the UK, Iceland, Liechtenstein and Norway. Fubon says purchases on websites based in the EU keep the same reward.
Convenience stores, including paying through their mobile wallets, PX Mart and its brands, and Costco Taiwan.
Taxes, tuition, hospital fees, government fees, utilities, curbside parking and similar bills.
YouTube, Spotify, TikTok, and Apple and Google services such as the App Store and Google Play.
Insurance outside the 0.5% product, funds, investment and currency platforms, gambling, cash advances, interest, late fees and any fee, including the overseas transaction fee.
Abroad, then, the card pays 1% on spending in most places that are not on the European list. Fubon names an overseas transaction fee but does not give its size on the page used here, so check the fee before you rely on the card overseas.
What it costs
| Card level | Main card | Additional card |
|---|---|---|
| Titanium, Signature, 晶緻 | NT$1,800 | Free |
The first year is free. From the second year, the fee is waived if the main and additional cards together spend NT$60,000 or make 12 purchases in a year. Until 31 December 2026, any one of these also waives it: one purchase of any size at momo, an e-bill with no paper bill, adding Taipei Fubon's LINE official account as a friend, or paying the card bill automatically from a Taipei Fubon account.
The main applicant must be at least 18 with a regular job and not be a student, and for these card levels Fubon asks for an income of at least NT$200,000 a year and welcomes proof of income. An additional cardholder must be at least 15 and a parent, spouse, child, sibling or the spouse's parent of the main cardholder.
Who it suits
The card suits a heavy momo shopper in Taiwan who spends up to the cap each month, and who pays everything else on the same card for a flat 1%. It suits a traveller less well, because the 1% abroad excludes the European countries that many travellers visit, and the mo coins cannot be used there.
- mo coin
- momo's reward currency. One coin is worth NT$1 at momo, and the coins last one year.
- Statement period
- The time between two closing dates. The cap and the cash-back credit are counted for each statement.
- Main and additional card
- The two share the cap, and rewards go to the main cardholder.
- Cash back
- A credit against new purchases on the next six statements, not money paid out.
- European Economic Area list
- The countries Fubon names where in-person spending earns no 1%. The list is in the card's terms and can change.
Questions people ask
What does the momo card earn?
Fubon lists up to 3% in mo coins on momo's own channels, and 1% cash back with no cap on other spending in Taiwan and abroad. Insurance premiums earn 0.5% cash back, or can be paid in up to 12 interest-free instalments instead. The periods Fubon gives run from 1 April to 31 December 2026.
What counts as momo?
The momo online shop, TV shopping, catalogues, the mo store+ marketplace and cross-border shopping on momo, with the whole site eligible except products momo marks as special. Fubon says momo travel products, sold by Fusheng Travel, are ordinary spending at 1%.
How does the 3% cap work?
It is counted for each statement and for the household, and the main and additional cards share it. The cap is 2,000 mo coins for statements closing October 2026 to January 2027 and 1,000 coins before and after, so past about NT$66,700 or NT$33,300 of momo spending in a statement the 3% adds nothing.
What happens when I return something?
The mo coins for a returned order are taken back. If a return comes after the statement has closed, Fubon recalculates that statement at the end of the month after next and adds or takes back the difference. Coins you already spent are charged to the main cardholder at NT$1 each.
What earns nothing?
Fubon's list includes instalments through merchants, insurance outside the 0.5% product, convenience stores, PX Mart, Costco Taiwan, taxes, tuition, fees, hospitals, utilities, curbside parking, funds, investment platforms, gambling, cash advances and any fee. YouTube, Spotify, TikTok, Apple and Google services are also out, and so is in-person spending in the listed European countries.
What does the card cost?
Fubon lists NT$1,800 a year for the main card at Titanium, Signature and 晶緻 level, with no fee for an additional card. The first year is free. After that the fee is waived by spending at least NT$60,000 or making 12 purchases a year, and until 31 December 2026 by any one of: one purchase at momo, an e-bill with no paper bill, adding Taipei Fubon's LINE account, or paying the card bill automatically from a Fubon account.
Sources
Written from these pages and checked against them on October 10, 2026. Programs and rules change, so check the provider’s current terms before you decide.
General information, not financial, legal or travel advice. Your own card terms and the provider’s current rules always come first.