Check Your Wallet! 8 Credit Cards Confirmed to Be Discontinued This Year — Chinatrust, E.Sun, and 4 Other Banks: List, Exit Timelines, and Benefit Changes

Major Shift in Credit Card Market in Second Half of 2026

The credit card market in Taiwan is undergoing significant changes in the second half of 2026, as Chinatrust Commercial Bank, Taishin International Bank, E.Sun Commercial Bank, and Hua Nan Bank have announced the discontinuation or replacement of eight popular co-branded cards. Affected cards include the MUJI co-branded card, Jingmei Tian Di co-branded card, San Shang Meibang co-branded card, and OPENPOINT Super Points co-branded card. Failure to pay attention to deactivation schedules, new card issuance rules, and bonus point expiration dates could result in lost rewards or failed automatic payments. This article provides a comprehensive overview of each bank’s timeline, card replacement guidelines, and action steps to ensure consumer benefits remain protected.

Chinatrust Bank: Phasing Out MUJI and Jingmei Tian Di Co-Branded Cards

Chinatrust’s adjustment affects two long-standing co-branded cards. Details on benefits and card replacement procedures are as follows:

### MUJI Co-Branded Card

The partnership agreement ends on December 31, 2026, and the card will officially become invalid starting January 1, 2027. Starting September 1, 2026, the bank will proactively issue a standard "Chinatrust Bank Card" to cardholders who either hold only the MUJI co-branded card or have made purchases within the past year. Those who already hold other Chinatrust cards or have no recent transaction history will not receive a replacement.

### Jingmei Tian Di Co-Branded Card

The partnership terminates on October 31, 2026, and the card will no longer support new transactions from November 1 onward. Starting September 1, Chinatrust will follow the same principle and gradually mail replacement cards to customers with recent usage records.

### Post-Replacement Actions

Both the card number and the last three-digit security code on the back will change. After activating the new card, users must immediately update their linked accounts on Apple Pay, LINE Pay, food delivery apps, and e-commerce platforms.

Taishin Bank: Consolidating Woojii Business Cards and San Shang Meibang Co-Branded Card

Taishin Bank is consolidating its co-branded cards into its flagship brand, Richart:

### Woojii World Business Card and Woojii Titanium Business Card

The partnership ends on August 31, 2026. From September 1, both cards will be renamed "Richart Card." Cardholders do not need to replace their physical cards—their existing cards remain valid for transactions, and benefits will automatically switch to the new Richart Card program.

### San Shang Meibang Co-Branded Card

The partnership expires on October 25, 2026. The card name changes to Richart Card starting October 1, and during the period from October 1 to December 15, batch-issued "same-card-number new cards" will be sent out.

### Post-Replacement Actions

The card number remains unchanged after replacement, so existing life insurance premium auto-deductions will continue unaffected. After activation, users can set up spending plans via the Richart Life App. If uncertain, it is recommended to confirm deduction status with the insurer or bank customer service.

E.Sun Bank: Taiwan Black Bear Affinity Card and Taipei-Keelung-Kaohsiung Dentists Association Member Card Programs

E.Sun Bank has introduced different continuation and discontinuation mechanisms for two niche affinity cards:

### Taiwan Black Bear Affinity Card

The contract expires on September 10, 2026. Starting August 26, the bank will issue the "E.Sun Unicard" to cardholders. If a cardholder already owns an Unicard, no duplicate card will be issued. Once the new card is activated, the old Black Bear card becomes invalid immediately. If the new card is not activated, the old card can still be used until September 1.

### Taipei-Keelung-Kaohsiung Dentists Association Member Card

The partnership ends on November 30, 2026, and no new cards will be issued from December 1 onward. Starting July 1, 2027, all exclusive basic rebates and member privileges associated with this card will be fully terminated.

### Post-Replacement Actions

For automatic deductions of utilities, gas, and telecom fees previously set up with the old card, E.Sun Bank will automatically transfer these to another card under the account. However, for donations, private telecom services, or insurance premiums, cardholders must actively apply to change the deduction card.

Hua Nan Bank: Transition of OPENPOINT Super Points and Dream Mall Co-Branded Cards

Hua Nan Bank adopts a transition approach where cards are naturally replaced upon expiration:

### OPENPOINT Super Points Co-Branded Card and Dream Mall Co-Branded Card

Both cards cease new issuance on September 30, 2026, and will be uniformly renamed "Bear Q Card" starting October 1.

### Post-Replacement Actions

Existing cardholders may continue using their current cards until the printed expiration date. When the card needs renewal due to damage or expiration, the bank will issue an equivalent-tier Bear Q Card. All embedded electronic payment functions—such as icash2.0 or iPass—and stored balances will be fully retained, ensuring no disruption to daily life.

Summary Table: 8 Credit Card Changes in Second Half of 2026

| Issuing Bank | Affected Card Name | Deactivation or Replacement Start Date | Replacement Card & Change Method | Auto-Payment and Benefit Notes | | --- | --- | --- | --- | --- | | Chinatrust | MUJI Co-Branded Card | Starting Sep 1, 2026 | Replaced with standard "Chinatrust Bank Card" | Only issued to those with recent usage or single-card holders; card number change requires re-linking auto-payments | | Chinatrust | Jingmei Tian Di Co-Branded Card | Starting Sep 1, 2026 | Replaced with designated "Chinatrust Bank Card" | Old card stops working Nov 1; new card number change requires re-authorizing auto-payments | | Taishin | San Shang Meibang Co-Branded Card | Starting Oct 1, 2026 | Same-number "Taishin Richart Card" issued | Insurance premium deductions unaffected; recommend calling to confirm status | | Taishin | Woojii World/Titanium Business Card | Starting Sep 1, 2026 (renamed) | No card replacement; renamed to "Richart Card" | Can continue using without replacement; benefits updated to Richart Card plan | | E.Sun | Taiwan Black Bear Affinity Card | Starting Aug 26, 2026 | Replaced with "E.Sun Unicard" | No reissue if already holds Unicard; old card invalid immediately after new card activation | | E.Sun | Taipei-Keelung-Kaohsiung Dentists Association Card | Starting Dec 1, 2026 (no new issuance) | No replacement card | All rebates and member benefits fully terminated starting Jul 1, 2027 | | Hua Nan | OPENPOINT Super Points Co-Branded Card | Starting Oct 1, 2026 (renamed) | Replaced with "Bear Q Card" upon renewal | Old card usable until expiry; electronic wallet functions fully retained | | Hua Nan | Dream Mall Co-Branded Card | Starting Oct 1, 2026 (renamed) | Replaced with "Bear Q Card" upon renewal | Old card usable until expiry; new card issued only upon renewal or replacement |