The Richart card is Taishin Bank's flagship credit card in Taiwan. Taishin has been folding earlier cards into it, among them the Sun and Rose cards, @GoGo, FlyGo and Rose Giving, with the Woojii card following from 1 September 2026 and the Mercuries Life co-brand from 1 October 2026. They share one set of rules: you pick a reward plan each day, and what that plan pays depends on whether the card bill is paid from a Taishin account. This guide goes through what Taishin lists in October 2026, what each level needs and where the rewards stop.
The card at a glance
- 0.3%
- Any eligible spending
- 1.3%
- A plan's merchants, Level 1
- 3.3%
- A plan's merchants, Level 2
- NT$0
- First-year fee
Taishin Points, no cap stated
From the day the card is issued
Five plans, with 3.8% on Pay
Then NT$3,000 or NT$4,500 unless an e-bill is in effect
The plans
Taishin calls it "7+1": seven plans from the 2025 launch, plus Chill, which Taishin added on 8 July 2026. Only one plan applies to a given day, and everything that is not a designated merchant of that plan earns the 0.3% everyday rate.
| Plan | What the plan is for | Level 1 | Level 2 |
|---|---|---|---|
| Chill | Listed hotpot and barbecue restaurants, fan and streaming services, sports and health | 1.3% | 3.3% to 10% |
| Pay | Payments through Taishin Pay and Taishin Pay+ (3.8%), or through LINE Pay and Pxpay Plus (2.3%) | 1.3% | 3.8% or 2.3% |
| Everyday | Daily shopping, commuting, parking and car rental | 1.3% | 3.3% |
| Big-ticket | Listed department stores, outlet malls and home improvement | 1.3% | 3.3% |
| Dining | Restaurants and delivery, ticketing, listed hotels and parks, fuel and charging | 1.3% | 3.3% |
| Digital | Online shopping platforms, online courses and chain clothing | 1.3% | 3.3% |
| Travel | Spending abroad, listed airlines, booking and travel sites | 1.3% | 3.3% |
| Holiday | Any merchant on Taiwan public holidays | 1.3% | 2% |
The merchant lists are long and change. A merchant counts by the name and the business category it is registered under with the acquiring bank, not by what its shop sign says, so read Taishin's list before you switch for a purchase.
What Level 2 needs
Level 2 is the reason to hold this card. Taishin's rule is that the card bill is set to be paid automatically from a Taishin Bank account, which can be a Taiwan dollar account or a Richart digital account.
Set it up at least 3 business days before the statement closing date. Taishin's example: a statement that closes on the 12th and a set-up on 7 July means the Level 2 rate starts on 13 July.
It is the payment arrangement, not the amount you spend, that decides the level. Without it, the card is a 1.3% card at a plan's merchants and a 0.3% card elsewhere.
Cards issued from 1 July 2026 get Level 2 for their first 60 days with or without auto-pay. Taishin's pages give the end of this offer as 31 March 2027 in one place and 31 December 2027 in another, so check which applies when you apply. After the 60 days, the level follows whether auto-pay is set up.
How the daily switch works
A new card starts on Everyday. Only the main cardholder can change plans, once a day, in the Richart Life app, and the choice applies to additional cards too. Taishin records the plan you hold at 23:59 Taiwan time and applies it to every purchase from midnight that day.
Two practical points follow. A switch late in the evening also changes the morning's purchases, and one day can only ever be on one plan.
What does not earn the plan rate
Merchant instalments and zero-interest single-purchase instalments earn nothing. An instalment with interest earns once, on the total amount.
Payments through wallets and payment apps other than those above. Taishin's own example: paying at a convenience store through LINE Pay earns nothing at all, because convenience stores are also excluded from the 0.3% everyday rate.
Spending above the cap. Taishin counts the plan rewards for each statement up to your permanent credit limit plus NT$300,000, and anything beyond that earns 0.3%.
Purchases on Taishin's own exclusion list, which it keeps on a separate page.
What it costs
| Card | Main card | Additional card |
|---|---|---|
| Richart 晶緻 (Jingzhi) | NT$3,000 | NT$1,500 |
| Richart Titanium Business (鈦金商務) | NT$4,500 | NT$4,500 |
| Richart Signature Business (商務御璽) | NT$4,500 | NT$4,500 |
The first year is free. From the second year the fee is waived while a Taishin e-bill or SMS bill is in effect. The main applicant must be an adult. An additional cardholder must be at least 15 and a spouse, parent, child, sibling or the spouse's parent of the main cardholder, and a minor needs a guardian's consent.
Who it suits
The card suits someone in Taiwan who already pays bills from a Taishin account and is happy to switch plans around what they buy that day. It is less suited to someone who wants one rate on everything, because the best rates sit behind the daily switch and a payment method. For spending abroad, the Travel plan is listed at 3.3% at Level 2. Taishin also lists a waived 1.5% overseas fee for Taishin Pay+ payments in Japan and Korea, but Pay+ is a separate e-payment account, open only to adults with a Taiwan household registration and ID card, so read its own terms. Taishin's pages do not state the fee on ordinary card payments abroad, so check it before you rely on the card overseas.
- Taishin Point
- The reward currency, which Taishin pays into the main cardholder's account. It lasts two years.
- Level 1, Level 2
- Taishin's two tiers. Level 2 needs the card bill paid automatically from a Taishin account.
- Plan
- The set of designated merchants that earns the higher rate for the day. You hold one at a time.
- Richart Life
- Taishin's app, where you switch plans, see rewards and redeem points.
- Main and additional card
- Additional cards follow the main card's plan, and all rewards are paid to the main cardholder.
Questions people ask
What does the Richart card earn?
Taishin lists 0.3% in Taishin Points on eligible spending with no cap, and 1.3% on insurance premiums paid in one go. The plan you hold for the day pays more at its designated merchants: 1.3% at Level 1, and at Level 2 3.3% on five plans, 2% on Holiday, 3.8% or 2.3% on Pay and 3.3% to 10% on Chill.
What are Level 1 and Level 2, and how do I get Level 2?
Level 1 applies from the day the card is issued. Level 2 applies once the Taishin card bill is set to be paid automatically from a Taishin Bank account, either a Taiwan dollar account or a Richart digital account. Set it up at least 3 business days before the statement closing date, and it takes effect the business day after that statement closes.
How does the daily switch work?
Only the main cardholder can switch, once a day, in the Richart Life app. Taishin records the plan in force at 23:59 Taiwan time and uses it for every purchase from midnight that day, including those on additional cards. If a switch fails because of your device or connection, the plan in Taishin's system is the one that counts.
Which ways of paying count?
Designated spending must be made with the physical card (or the card number typed in online), or through Taishin Pay, Apple Pay, Google Wallet or Samsung Pay. Taishin says LINE Pay counts only on Chill, Pay and Holiday, and Pxpay Plus only on Pay and Holiday. JKOPay, Taiwan Pay, My FamiPay, PX Pay, OPEN Wallet and CPC Pay do not count.
Do Taishin Points expire, and what can they buy?
They last two years. On the last day of the month after the main cardholder's birthday month, Taishin clears points earned two years earlier that were not redeemed. Only the main cardholder can redeem, in the Richart Life app. Taishin's page also lists a limited monthly bonus for exchanging points into China Airlines, EVA Air and Asia Miles, but the base exchange rate is on its redemption page, not the card page.
What does the card cost?
Taishin's Richart schedule has the 晶緻 card at NT$3,000 a year for the main card and NT$1,500 for an additional card, and the two business cards at NT$4,500 for each. The first year is free, and from the second year the fee is waived while a Taishin e-bill or SMS bill is in effect.
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.
Cards in this guide
General information, not financial, legal or travel advice. Your own card terms and the provider’s current rules always come first.