Taiwan. Applications and card issuance are limited to Taiwan residents and subject to Union Bank of Taiwan's credit-card underwriting.
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Annual fee NT$2,000 for the primary card and NT$1,000 for a supplementary card; the first year is free, and after that the next year's fee is waived by signing up for e-statements or spending NT$60,000 in a year. Overseas transactions may carry an additional fee under the card scheme's rules; the bank's own announcements govern.
- Debit / Deduction Model
- Bank credit card: Union Bank of Taiwan issues the card and sets the credit limit, spending goes on a statement and is repaid on schedule; rewards are issued as U-coin and then redeemed for crypto within the MaiCoin / MAX ecosystem
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. This is a credit card issued by Union Bank of Taiwan and underwritten to the bank's standard credit-card criteria: the applicant must be a Taiwan resident and provide proof of income and means, and the bank issues the card. Crypto is only the reward currency; it does not change the underwriting or the repayment obligation of a credit card.
- Officially supported regions
- Taiwan. Applications and card issuance are limited to Taiwan residents and subject to Union Bank of Taiwan's credit-card underwriting.
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (Signature tier)
- Issuer Arrangement / Payment Rails
- Union Bank of Taiwan (as signed on the official campaign page). The card BIN is not published; this page does not speculate about a specific BIN.
- Apple Pay / Google Pay
- The official campaign page did not explicitly list Apple Pay support at this check, so it cannot be treated as supported; the actual ability to add the card goes by the bank's and the wallet's announcements.
- Overseas AI Subscriptions
- The company does not state whether AI-subscription merchants count towards a bonus tier or the base reward; the credit card is treated as general Visa acceptance.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Base reward of 0.5% in U-coin, tiered up to 4.5% under specified conditions; U-coin can be redeemed within the MaiCoin / MAX ecosystem for bitcoin, ether, USDT, USDC or MAX tokens, with a minimum redemption threshold of 100 U-coin. The bonus tiers and the merchants they apply to are set by the bank's current promotion notice and change over time.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa
- Issuer arrangement / BIN
- Union Bank of Taiwan (as signed on the official campaign page). The card BIN is not published; this page does not speculate about a specific BIN.
- Apple Pay
- — Not specified by official sources: the official campaign page did not explicitly list Apple Pay support at this check, so it cannot be treated as supported; the actual ability to add the card goes by the bank's and the wallet's announcements.
- Google Pay
- — Not specified by official sources: the official campaign page did not explicitly list Google Pay support at this check, so it cannot be treated as supported.
- AI subscriptions such as ChatGPT and Claude
- — Not specified by official sources: the company does not state whether AI-subscription merchants count towards a bonus tier or the base reward; the credit card is treated as general Visa acceptance.
Compatibility information for this card was verified on 2026-10-13 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
View full comparison of 135 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- Union Bank of Taiwan Mobile Banking (UNION BANK OF TAIWAN)
- Web Portal Support
- Web Account Available; Card Primarily via App — Union Bank offers online banking and a credit card site (card.ubot.com.tw); U Coins can be set to auto-redeem for MaiCoin crypto codes with one tap, and the code must be entered in the MaiCoin App to redeem
- Apple App Store
-
App Store Official Download ↗ Includes mainland China; key markets missing: UK, Germany, France, Spain, Italy, Netherlands
- Google Play
-
▶ Google Play Official Download ↗ All 174 storefronts (Google Play does not operate in mainland China)
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
General Data Rights / Regional Regulations
Taiwan's Personal Data Protection Act; Union Bank website privacy statement: under Article 3 you may request enquiry and review, a copy, supplementation or correction, cessation of collection, processing and use, and erasure, subject to review under bank procedures and to a possible fee; data is provided to the Joint Credit Information Center, the National Credit Card Center, international card organisations, outsourced vendors and overseas recipients; data essential to issuing the co-branded card is provided to the co-brand partner (MaiCoin), and consent for sharing with other partner merchants can be withdrawn at any time; does not mention GDPR
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Within 15 years of contract termination and account settlement (promotion data for 5 years after the promotion ends)
- App Store Privacy Label
- No tracking data; Linked to you: 1 categories; Not linked to you: 1 categories
- Google Play Data Safety
- No third-party data sharing; Collects 4 categories; Deletion can be requested; Data encrypted in transit
- Account Deletion Flow
-
No in-app closure instructions found; erasure can be requested from the bank under Article 3, subject to review under internal procedures, except what is required by law or contract to be retained; closing the card requires contacting credit card support; Google Play states deletion can be requested
Verified on 2026-10-12. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Crypto rewards do not mean your crypto exposure is under control
Rewards are booked as U-coin and must be redeemed for crypto within the MaiCoin / MAX ecosystem, so crypto price movement happens after the redemption. Receiving U-coin is not the same as already holding bitcoin. [1]
A Taiwan bank card and an offshore crypto card work to different risk logic
This card goes through a Taiwan bank's credit-card underwriting and credit bureau system. It shares no liability rules, dispute handling or availability with crypto cards underwritten by offshore issuers, and the same experience cannot be applied to both. [1] [2]
Frequently asked questions
Is the Union Bank MaiCoin card a crypto card?
It is a Visa credit card issued by Union Bank of Taiwan whose rewards are issued as U-coin and can be redeemed for crypto within the MaiCoin / MAX ecosystem; the card itself is not a stablecoin top-up spending card.
What do I need to be eligible?
You must be a Taiwan resident and pass Union Bank of Taiwan's credit-card underwriting, providing proof of income and means.
How is the reward calculated?
A base reward of 0.5% in U-coin, tiered up to 4.5% under the bank's current promotion terms; the minimum to redeem U-coin for crypto is 100 U-coin.
Is there an annual fee?
NT$2,000 for the primary card and NT$1,000 for a supplementary card, first year free; after that the next year's fee is waived by signing up for e-statements or spending NT$60,000 in a year.
Can users in mainland China apply?
The applicants the official page names are Taiwan residents, subject to the bank's underwriting. This site does not speculate about eligibility for other statuses.
📜 Rules & Fee Changelog History
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