Hi.com Card Review 2026
Reviewed by Mihail B. in · how we verify
Algorithmic score, not user reviews: how it is calculated
Closed to new applicants since . Cards you can still get
Fees and limits
| Issuance fee | Free |
|---|---|
| Annual fee | Free |
| FX fee | 0.2% |
| ATM limit | Not disclosed |
| Spending limit | USD 25,000/transaction |
Features
- Cashback: Cashback suspended (all tiers); hi is revamping rewards program: no active cashback as of 2026-06-22
- KYC: Yes
- 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…
Full list
… Italy, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, United Kingdom
Who issues the Hi.com Card
Our issuer directory has no verified entry for the Hi.com Card yet: a bank goes in only with a source we can cite. 39 of the 141 cards you can still get are in the same position. See our BIN-sponsor research for why disclosure varies and what it means for you.
Pros and cons before it closed
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
Cons
- High cashback tiers require significant hi token holdings; Spend Rewards program paused; limited to EU/UK
Regional availability
Was available in EU, UK
The Hi.com Card was available in EU, UK: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Liechtenstein and 11 more.
Banking and fiat rails
Card overview
Quietly withdrawn. Hi.com published no shutdown notice on its own site or help centre. We did not sweep its social accounts, so read that as "nothing on the site", not "nothing anywhere". The card's product page returned 404 on 18 July 2026, the Spend Rewards program had already been paused "until further notice," and the waitlist never converted into shipped cards, so we flag it discontinued as of July 2026.
The pitch, while it stood, was a Mastercard Debit inside a "Crypto Bank Super-App," with cashback tiered by HI token holdings from 1% at 100 HI staked up to a theoretical 10% at 10,000,000 HI; the rewards tiers were only ever theoretical, since the program stayed paused for most of the card's public life. On paper it was custodial, free to issue, 0.2% FX, with a personal EUR/GBP IBAN (SEPA and UK FPS), EU and UK only. Don't stake HI for a card that no longer has a page. If Hi.com relaunches it, we'll re-review from scratch.
