E.SUN Bank is not responsible for announcing the purchase categories eligible for rewards or interest-free installment payment plan

Items not eligible for rewards	Explanation (No rewards are provided for any payment method used.)
In-store purchases in certain European countries	United Kingdom, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg , Malta, the Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.
Investment-related transactions	Direct debit of mutual fund; securities underwriting on a best efforts basis; transactions taken place at an investment platform overseas (e.g., eToro, MCO, etc.); exchange transaction taken place at an exchange platform (e.g., wise, etc.); traveler’s check; gabling chips; digital (virtual) currency.
Designated insurance premium	Lump sum premium payment through a branch of E.SUN Bank; lump sum payment of premium to Nan Shan Life Insurance Company, Ltd.
Designated fee	Audited or approved tax payment; tuition (e.g., i-payment platform, Tuition of the National Credit Card Center (NCCC) ); medical expenses; government administrative charges.
Designated retail businesses	PX Mart (including purchases made via PX Pay or PX Pay Plus); MEGA PX Mart(including purchases made via PX Pay or PX Pay Plus); PXGo!; transactions taken place at a convenience store (e.g., 7-ELEVEN, FamilyMart, Hi-Life, and OKmart).
The National Credit Card Center (NCCC)	Merchants of the National Credit Card Center (NCCC) which accept credit card small-ticket payment (e.g., parking facilities, caterers, chain fast food restaurants, vending machines).
Installment payment transactions	Installment payment transactions at merchants.
Preauthorized payment plans for various fees	Fees due to Taiwan Power Company, Taiwan Water Corporation, Taipei Water Department, or gas companies; roadside parking fess due to a county or city government; bills of Chunghwa Telecom or private telecoms companies; property management fee of HOKAN Leader Hall community.
Fees and charges paid through payment platforms	The Finger Tap Medical Payment app, electronic tax and charges payment processing platform, government agencies’ credit card payment gateways, and e-Government Service Platform.
Value-added services	Stored value card (formerly known as electronic ticket token) top-ups and electronic wallet top-ups (including automatic top-up).
eTag	eTag automatic top-ups; parking fees charged to one’s eTag.
Other	Cash advances; balance transfer; revolving interest; liquidated damages and penalty; credit card annual fee; service fees; receipts under custody; fees due to the Motor Vehicle Office; and tobacco products and legally prohibited products for promotion.

※ No rewards will be provided for non-regular purchases made via an third-party wallet or electronic wallet linked to a credit card account (including transactions made via E.SUN e-Payment at overseas physical channels).

※ The above items are not eligible for E.SUN e point, cashback, or the points and rewards offered by the other co-branding company (including, but not limited to, OPENPOINT points, STARLUX airline miles, P Coins, Hanshin purchasing credit rebates, Hanshin Arena Infinite Card holders’ points, and those to be provided by any co-branding companies in the future).

※ Except for cardholders pay in installments for consumption transactions at merchants, the above items are not applicable to zero-interest-free installment service.

Addendum:
1. The aforementioned “payment platforms” allow payment to be made with a credit card at a physical premises or through the Internet, mobile apps, or over the phone, or through preauthorized payment plan (e.g., bills of Asia Pacific Telecom, Taiwan Mobile Co., Ltd., Far EasTone Telecommunications Co., Ltd., Far Eastern Electronic Toll Collection Co., Ltd., etc.); however, payment methods are subject to the announcement of each payment platform.
2. No rewards will be provided to transactions paid via the Pi Wallet app linked to an E.SUN credit card at a designated channel (e.g., TPC, health insurance premium, collection and payment for personal transactions); the definition of a regular purchase for the Pi Wallet App shall be based on the Bank’s “Announcement on Pi Wallet linked to a credit card”.
3. When the cardholder handle installment payment transactions at merchants, if there is a return (full or partial return), the merchant should refund the original installment amount in full or cancel the transaction, and then re-process the transaction based on the latest transaction amount. If the merchant or the cardholder fails to handle the matter, which affects the cardholder's credit card limit, inclusion of payables or consumption rewards, etc., the cardholder still needs to contact the merchant for processing.
4. Specific cards (such as: E.SUN Bank World Card, Doctor Unlimited Card, Accountant Unlimited Card, Traditional Chinese Medicine Practitioner Unlimited Card, Architect Unlimited Card, Dentist Unlimited Card, Pharmacist Unlimited Card, Ubear Card, Only Card, E.SUN Dual Currency Card (Excluding Kumamon Dual Currency Card) , Business Platinum Card, Business Royal Seal Card, Taipei Dentists Association Approval Card, New Taipei City Dentists Association Approval Card and StarLux Airlines Co-branded Card), You can still enjoy spending rewards by swiping your card at physical stores in Europe. The detailed activity period and content are subject to the respective card webpages.
5. Thank you for your support and patronage of our Citizen’s Travel Card for civil servants. Effective January 1, 2026, for the Citizen’s Travel Card for civil servants, installment payment transactions at designated merchants and in-store transactions in European countries will be classified as non-general spending and will no longer be eligible for basic rewards. For cardholders who are not affiliated with our contracted agencies or are ineligible to claim subsidies, the basic reward mechanism for general spending will be adjusted to "E.Sun e points." One e point is equivalent to NT$1. These points offer greater flexibility and can be used not only to offset credit card charges but also to redeem a wide range of high-value merchandise. We invite you to download the E.Sun Wallet app to learn more about E.Sun e points and their usage. For the latest promotions regarding the E.Sun Citizen’s Travel Card for civil servants, please visit our official website.