WITH t1 AS
(
SELECT 'AAA' mct_no, '20190615' start_dt, '99991231' end_dt, 'Y' use_yn, 'Y' save_yn FROM dual
)
, t2 AS
(
SELECT 'AAA' mct_no, '20201001' start_dt, '20221231' end_dt, '사용' fee_gbn, '정액' fee_method, 100 fee FROM dual
UNION ALL SELECT 'AAA', '20201001', '20211231', '적립', '정률', 0.01 FROM dual
)
, t3 AS
(
SELECT mct_no
     , TO_CHAR(sdt + 1, 'yyyymmdd') sdt
     , TO_CHAR(edt    , 'yyyymmdd') edt
  FROM (SELECT mct_no
             , sdt
             , LEAD(sdt) OVER(PARTITION BY mct_no ORDER BY sdt) edt
          FROM (SELECT mct_no, TO_DATE(start_dt, 'yyyymmdd') - 1 sdt FROM t1
                UNION SELECT mct_no, TO_DATE(  end_dt, 'yyyymmdd')     edt FROM t1
                UNION SELECT mct_no, TO_DATE(start_dt, 'yyyymmdd') - 1 sdt FROM t2
                UNION SELECT mct_no, TO_DATE(  end_dt, 'yyyymmdd')     edt FROM t2
                )
        )
 WHERE edt IS NOT NULL
)
SELECT a.mct_no
     , a.sdt
     , a.edt
     , b.use_yn
     , b.save_yn
     , c.fee_method  use_fee_method
     , c.fee         use_fee
     , d.fee_method save_fee_method
     , d.fee        save_fee
  FROM t3 a
     , t1 b
     , t2 c
     , t2 d
 WHERE a.mct_no = b.mct_no(+)
   AND a.mct_no = c.mct_no(+)
   AND a.mct_no = d.mct_no(+)
   AND a.sdt <= b.end_dt  (+)
   AND a.edt >= b.start_dt(+)
   AND a.sdt <= c.end_dt  (+)
   AND a.edt >= c.start_dt(+)
   AND a.sdt <= d.end_dt  (+)
   AND a.edt >= d.start_dt(+)
   AND c.fee_gbn(+) = '사용'
   AND d.fee_gbn(+) = '적립'
 ORDER BY mct_no, sdt
;