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Overseas Travel Card Battle 2026 Latest

Cathay CUBE vs. Taishin FlyGo vs. DBS eco Sustainable

Dynamic simulation updated with 2026 terms

Travel Spend Simulator

1. Destination Country / Region Affects DBS eco 5% promo coverage JP, KR, TH, SG, Americas, Europe (In-Store High Cash Back) Other overseas regions (e.g., Canada online, Australia, etc.)

2. Local In-Store / General Overseas Spend TWD 20,000

TWD 0 50k 100k 150k TWD 200k

3. Flight / Hotel Bookings / Klook Budget TWD 15,000

TWD 0 25k 50k 75k TWD 100k

Bind Richart Auto-Debit Unlocks FlyGo 3% / 5% rewards

Remembered CUBE App 'Travel' Plan If forgotten, CUBE overseas rate drops to 0.3%

Smart Recommendation

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Estimated Total Rewards (TWD)

Higher is better. Automatically accounts for reward caps.

CUBE Card No Cap Pro

TWD 0

Overseas Spend: 0
Booking/Promo: 0

Reward: LOHAS Points

FlyGo Card Aviation King

TWD 0

Overseas Spend: 0
Booking/Promo: 0

Reward: Taishin Points

eco Card 5% Selected Promo

TWD 0

Overseas Spend: 0
Booking/Promo: 0

Reward: Cash Points

Deep Specification Comparison

Feature Segment	Cathay CUBE Card	Taishin FlyGo Card	DBS eco Sustainable Card
Base Overseas Return	3% LOHAS Points uncapped (Must select 'Travel' (趣旅行) plan in App)	3% Taishin Point uncapped (Requires Richart auto-debit; covers EU physical store purchases)	1.5% Cash Points uncapped (1.2% base + 0.3% general overseas boost)
Overseas Promo Targets	No specific country limits (3% globally)	No specific country limits (3% globally)	Up to 5% Cash Points (Promo limited to JP, KR, TH, SG, Americas, Europe physical stores. Extra 3.5% capped at 1,000 pts/cycle)
Travel / Flight / Transit	3% LOHAS Points uncapped (Specific airlines, designated travel agents, Booking platforms)	Up to 5% Promo Rewards (Target airlines, HSR, CPC, Klook; Extra 4.7% capped at 1,500 pts/cycle)	Subject to seasonal campaigns (Regular bookings classified under general spend; no permanent transit multipliers)
Reward Formats & Utility	LOHAS Points Manual bill deductions, conversion into airlines miles, highest utility.	Taishin Point Easily offsets 100% of bill statement, user friendly.	Cash Points Manual redemption via DBS Card+ App in units of 100/300 points.
Annual Fee Waivers	Very Simple Apply for e-statements OR spend 12 times a year to waive.	Zero Effort Requires only active e-statements or SMS statements.	Very Simple Active e-statement OR spend 12 times or over TWD 30,000 annually.
Major Catch / Pain Points	❌ You must manually switch the active plan in the App to "Travel" (趣旅行) daily. If forgotten, your overseas reward is only 0.3%.	❌ Requires an active Richart account with Auto-Debit linked. Selected 5% travel booster is capped monthly.	❌ 5% promo is strictly limited to physical card swipes or Apple/Samsung Pay. Online travel agencies and other regions stay at 1.5%.