Credit Card Application for Foreign Nationals

Eligibility: Applicants aged 18 or above can apply for a primary card.

Required documents: Copy of passport and copy of valid resident certificate or copy of R.O.C.(Taiwan) Employment Gold Card, please also provide most recent salary statement from current employer such as withholding tax statement / payroll/ salary transfer or tax return certificate.

KGI Bank reserves the right to final approval

24-hour credit card service line: 886-2-8023-9088 dial 5 for English service

Credit card lost: Call our 24-hour service line at 886-2-8023-9088 dial 1 then 8

KGI LIFE Insurance Visa Infinite Card: No annual fee for first year, then NT$10,000 for primary card

KGIB Visa Infinite Card: No annual fee for first year, then NT$5,000 for primary card

KGI LIFE Insurance Visa Signature Card: No annual fee for first year, then NT$3,000 for primary card

More Buy Titanium Card with EasyCard: No annual fee for the first years, then NT$3,000 for primary card

More Fun Visa Signature Card: No annual fee for first year, then NT$1,800 for primary card

Please refer to the Precautions below for details on revolving credit interest rates and various fees

Applying for a Credit Card, and Points to Note Regarding Credit Card Use

Application: Foreigners applying for credit cards are required to submit the latest payroll information from the company at which they are currently employed, such as Certificate of Withholding Income Tax, income statements, salary transfer certificate or income tax documents. In addition, a photocopy of passport and valid residence permit are both required documents. KGI Bank reserves the right to approve the application.
Dealing with a lost credit card：If a foreign resident loses a credit card, the cardholder can call KGI bank’s 24-hour service hotline at 02-80239088 dial 1 then 8 for reporting the loss and stop payments using the card. Card loss fee may be charged according to the policies.

Interest and fees

Description on Fees	Rate Standard (Unit: NT$)
Revolving Credit Interest	The calculation of revolving credit interest shall be calculated based on an annual interest rate of 6.25%~15.00%, KGI Bank shall assess the credit status of cardholders through the Bank’s credit rating system and grant the revolving credit interest to cardholders based on the assessment result.
Annual Fee	The annual fee of KGI Infinite Card is NT$5,000. Supplementary Card is waived The annual fee of KGI LIFE Insurance cobrand Infinite Card is NT$10,000. Supplementary Card fee is waived. The annual fee of KGI LIFE Insurance cobrand Signature Card is NT$3,000 . Supplementary Card fee is NT$1,500. The annual fee of More Fun Signature Card is NT$1,800. Supplementary Card fee is NT$900. The annual fee of More Buy Titanium Card with EasyCard is NT$3,000. Supplementary Card fee is NT$1,500. The annual fee of More Buy Titanium Card is NT$500. Supplementary Card fee is NT$300. The annual fee of Titanium/Signature Card is NT$3,000. Supplementary Card fee is NT$1,500. The annual fee of Platinum /Gold Card is waived Terms and Conditions of waivers or reductions of annual fees： KGI Infinite card: The annual fee for the first year is waived. The annual fee for the subsequent years is waived if the accumulated spending in the previous year has exceeded NT$300,000. KGI LIFE Insurance cobrand Infinite Card: The annual fee for the first year is waived. The annual fee for the subsequent years is waived if the accumulated spending in the previous year has exceeded NT$300,000. KGI LIFE Insurance cobrand Signature card: The annual fee for the first year is waived. The annual fee for the subsequent years is waived if the accumulated usage in the previous year has exceeded 6 times or you pay KGI LIFE insurance fee with your card. More Fun Signature Card /More Buy Titanium card with EasyCard / Tin Tin Drugstore cobrand Titanium Card with EasyCard: The annual fee for the first year is waived. The annual fee of the subsequent years is waived if the accumulated usage or spending in the previous year has exceeded 12 times or NT$60,000 respectively or successfully activating the e-bill service. More Buy Titanium card: The annual fee is waived. Cash Back Titanium Card (including Easy Card / Combo Signature Card): The annual fee for the first year is waived. the annual fee for the subsequent years is waived if the accumulated usage in the previous year has exceeded 6 times or successfully activating the e-bill service Other Titanium/ Signature: The annual fee for the first year is waived. The annual fee of the subsequent years is waived if the accumulated usage or spending in the previous year has exceeded 12 times or NT$60,000 respectively. Note : The annual fee will be charged if the criteria of the annual fee waiver are not met
Transaction Fee for Cash Advance	NT$100+ (amount of cash advance x 3.5%)
Minimum Payment for Each Billing Period	The minimum required payment for each period shall be the sum of the following six amounts (the first two items on the list below, including all KGI Bank cards held by an individual. In case the amount is lower than NT$1,000, the minimum required payment shall be NT$1,000) 10% of the newly added transaction amount of the current period 5% of the total payable amount of newly incurred cash advance or compensation transactions and 5% of total amount of unpaid expenses or cash advance, etc. from previous periods. monthly payable amount of installment plans, periodic transfer for mutual funds, the transactions payable required by the supervisory authority in the minimum amount of the accounts payable or other transactions for which revolving credit is not permitted to be used The transaction amount exceeding the credit limit total amount of outstanding minimum payment from the previous periods Revolving credit interest, installment interest, late interest and various fees.
Overdue Fee	In the first month of default or late payment, the overdue fee imposed is NT$ 300. When the cardholder defaults or fails to make the minimum payment for 2 consecutive months, the overdue fee imposed is NT$ 400. In the event that the cardholder fails to make the minimum payment by the payment due date for 3 consecutive months, the overdue fee imposed is NT$ 500. The maximum charge of overdue fee is 3 consecutive months. (The cardholder whose outstanding balance is below NT$ 1000 (or an equivalent in the agreed foreign currency) on a monthly basis will not be imposed an overdue fee.)
Overseas Transaction Fee	All credit card transactions shall be paid in NTD. If the transaction (including handling of refund) is conducted in non NT dollars, or an overseas transaction settled in NT dollars (including transactions made with overseas merchants or internet shops), the charges shall be converted into NTD or the agreed foreign currency directly on the method used for determining exchange rate for settlement purpose. In addition to fees charged by the international credit card organization, the Bank may charge 0.5% of the purchase for each transaction as the foreign transaction service fee and shall not profit from the differences. Handling fees of each international credit card organizations: VISA／ MasterCard charges 1% of the purchase for overseas non-NT$ transactions; VISA／MasterCard charges 1% for overseas NT$ transactions.
Handling Fee for Report of Loss	Free of charge
Apply for an emergency replacement card	NT$3,000 per Card ( The fee will be waived for cardholders of Infinite /Titanium/ Signature/ Platinum /Gold, but NT$3,000 will be charged If do not pick up the replacement card in time)
Fee for Retrieving the Copies of Signing Bills	The Bank will charge a handling fee of NT$ 100 for retrieving the record of your domestic or overseas transaction.
Fee for re-issuance of card	Magnetic stripe card:NT$200 per card Chip card:NT$300 per card
Re-issuance of Billing Statements fee	Request the delivery of bank statements of the previous three months, a handling fee of NT$ 100 for each bank statement shall be charged.
Check processing fee	Processing fee NT$300 will be charged if the check for credit card payments is not fulfilled.
Fee for Issuance of Certificate	NT$200 per copy
Over-pay Refund handling Fee	(1) To KGI bank deposit account: free (2) To other bank deposit account: NT$30 (3) Check: NT$100
Litigation Fee	The cardholder shall be responsible for the expenses incurred by KGI bank in respect of the cardholder's request for litigation, non-litigation or other legal proceedings as a result of delay or non-payment by the cardholder.
Chunghwa Telecom (CHT) Voice payment fee	Each CHT Telephone charges: NT$10 Each Traffic fines:NT$20 Vehicle Fuel Fee: 1% of the cost of each fuel transaction
Payment for Tax Collection Fee	NT$50 per transaction
Public service fee	E-government Payment platform Each amount of NT$2,000 (inclusive) charges 1% fee. Each amount of NT$2,000 or less charges NT$20 Business credit card payment platform：Free Bulk Payment system：Free
Motor Vehicle Driver Information Service License plate fee / election fee	Each payment fee × 1%. (Minimum NT$30, up to NT$200)
Fee for re-issuance of Easy co-branded card	NT$50 per card
Balance transfer fee of Easy co-branded card	Free of charge

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Please manage your finances carefully and value your credit

The annual revolving credit rate of credit card is 6.25% ~ 15% (normally determined by the bank's computer rating). The service fee for cash advance is the amount borrowed x 3.5% plus NT$100. For other relevant expenses, please refer to the announcement on the bank's website. The base date for revolving credit rate is 2015/9/1

Credit Card Application for Foreign Nationals

Terms and Conditions of waivers or reductions of annual fees：