Hi.com Card Review 2026
Reviewed: · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
onTrustpilot(588 reviews)Independently reviewed by Mihail B. · how we verify
Get Hi.com CardCard Overview
Don't stake for this one yet. Hi.com's card sits inside a broader Web3 neobank app that handles trading, savings, and spending in one product. The hi.com homepage in May 2026 markets the platform as a "Crypto Bank Super-App" with iOS and Android apps and does not currently lead with the card. Cashback is tiered by HI token holdings across six named levels: Basic 1% at 100 HI staked, Black 3% at 1,000 HI, Silver 5% at 10,000 HI, Gold 8% at 100,000 HI, Platinum 9% at 1,000,000 HI, and Diamond 10% at 10,000,000 HI. The top tier requires a very large speculative position. The product-status problem is the bigger one: the Spend Rewards program has been paused for an extended period and the card has been on a waitlist with no confirmed launch date, so the cashback economics are theoretical until the program reopens. The card is a Mastercard Debit, custodial, free issuance, 0.2% FX. Funding via bank transfer, USD 100 minimum. Personal EUR/GBP IBAN with SEPA and UK FPS is included. EU and UK only. Spend ceiling is $25,000 per transaction. Wait for the relaunch; with Spend Rewards paused indefinitely there's nothing the card offers today that justifies fresh HI staking. Existing HI holders should verify the live program status before adding to the position.
Hi.com Card is a Mastercard debit card offering up to 10% spend rewards across six membership tiers (Basic through Diamond). Enjoy 0.2% FX fees, free issuance, and personal IBANs in the UK and EEA with SEPA and FPS support. Partnership with Mastercard enables NFT-customizable card designs. Note: Spend Rewards program currently paused.
This is a Mastercard crypto card. It offers cashback rewards. Available in Europe. Available in the UK.
Fees & Limits
| Issuance Fee | Free |
|---|---|
| Annual Fee | Free |
| FX Fee | 0.2% |
| ATM Limit | Not disclosed |
| Spending Limit | USD 25,000/transaction |
These figures can change. Confirm the current fees, FX and network in Hi.com’s official terms before you apply.
Features
- Card Type: Virtual + Physical
- Top up with: Bank transfer (min USD 100)
- Available Countries: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, United Kingdom
Banking & Fiat Rails
IBAN yes (personal EUR/GBP IBAN in EEA/UK); SEPA + UK FPS; no SWIFT disclosed
Supported Cryptocurrencies
You can load the Hi.com Card with several cryptocurrencies. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: HI, BTC, ETH, USDT, USDC and other supported coins via hi wallet (multi-chain incl. Polygon)
Supported assets: Bank transfer (min USD 100)
Who Is the Hi.com Card Best For?
The Hi.com Card is a good fit for holders who want their balance to keep earning while it sits on the card.
The Hi.com Card runs a rewards programme — the exact rate depends on tier; the fees table above has the details.
The card is currently available in EU, UK, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want cashback on everyday purchases
- People who want a straightforward, app-managed crypto card
- European users within EEA countries
- Budget-minded users (no issuance or annual fee)
Avoid if
- You need full non-custodial control of your funds
- You're a US resident (this card doesn't support US users)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Hi.com Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Pros & Cons
Pros
- Up to 10% cashback (Diamond tier); 0.2% FX fee; free card; personal IBANs; SEPA + FPS support
- No card issuance fee
- No annual maintenance fee
- Works wherever Mastercard is accepted worldwide
- Virtual card ready right away, no shipping wait
Cons
- High cashback tiers require significant hi token holdings; Spend Rewards program paused; limited to EU/UK
- Custodial: the issuer holds your funds
- Only available in certain regions
- Full KYC required, no anonymous tier
How to Get the Hi.com Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Hi.com account
A few minutesGo to the Hi.com website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerHi.com runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad your card with Bank transfer (min USD 100) through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Hi.com Card shows up in the Hi.com app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available in EU, UK
The Hi.com Card is currently available in EU, UK. Some countries may be excluded, so confirm on the issuer's website before applying.
Common questions about the Hi.com Card
What are the fees for the Hi.com Card?
How does the Hi.com Card cashback work?
Where is the Hi.com Card available?
What are the Hi.com Card's ATM and spending limits?
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