Card Overview
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 the UK.
Fees & Limits
| Issuance Fee | Free |
|---|---|
| Annual Fee | Free |
| FX Fee | 0.2% |
| ATM Limit | Not disclosed |
| Spending Limit | USD 25,000/transaction |
Core Features
- Card Type: Virtual + Physical
- Top up with: Bank transfer (min USD 100)
- Available Countries: United Kingdom, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Supported Cryptocurrencies
The Hi.com Card allows you to top up and spend using various cryptocurrencies. Your crypto is automatically converted to local fiat at the point of sale.
Supported assets: Bank transfer (min USD 100)
Who Is the Hi.com Card Best For?
The Hi.com Card is best suited for everyday crypto holders looking for a simple, convenient way to spend digital assets without managing wallets manually.
With Tiered cashback: Basic 1% (100 HI staked), Black 3% (1,000 HI), Silver 5% (10,000 HI), Gold 8% (100,000 HI), Platinum 9% (1,000,000 HI), Diamond 10% (10,000,000 HI staked). The card has been on a waitlist with no confirmed launch date for an extended period — it may not be actively available. Diamond tier (10%) requires staking 10 million HI tokens, an extremely large and speculative position. The HI token has lost significant value since its peak. Realistic cashback for a typical user (if the card is available): 1% (Basic tier with minimal HI staking). cashback on eligible purchases, the Hi.com Card rewards active spenders who use the card as their daily driver.
The card is currently available in EU, UK — ideal for residents and frequent travellers in those areas.
Best for
- Frequent spenders who want to earn Tiered cashback: Basic 1% (100 HI staked), Black 3% (1,000 HI), Silver 5% (10,000 HI), Gold 8% (100,000 HI), Platinum 9% (1,000,000 HI), Diamond 10% (10,000,000 HI staked). The card has been on a waitlist with no confirmed launch date for an extended period — it may not be actively available. Diamond tier (10%) requires staking 10 million HI tokens, an extremely large and speculative position. The HI token has lost significant value since its peak. Realistic cashback for a typical user (if the card is available): 1% (Basic tier with minimal HI staking). cashback
- Users who want a simple, app-managed crypto card experience
- Cost-conscious users — zero issuance and annual fees
Avoid if
- You require full non-custodial control of your funds at all times
- You need traditional bank integration (IBAN, SEPA, direct debits)
- 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.
Key Strengths & Considerations
Strengths
- 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
- Accepted at millions of Mastercard merchants worldwide
- Virtual card available instantly — no shipping required
Considerations
- High cashback tiers require significant hi token holdings; Spend Rewards program paused; limited to EU/UK
- Custodial product — funds held by the issuer
- Limited to certain regions — not globally available
- KYC identity verification required to activate
How to Get the Hi.com Card
Getting started with the Hi.com Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.
Create a Hi.com account
~5 minutesVisit the official Hi.com website or download their mobile app. Register with your email address, set a strong password, and accept the terms of service. Sign-up is free.
Complete KYC verification
1–3 business daysSubmit a government-issued photo ID (passport or national ID card) along with a live selfie for identity verification. Hi.com processes applications in line with AML and KYC regulations.
Fund your card
Usually instantOnce verified, top up your card balance using Bank transfer (min USD 100) via the platform's funding interface. Your crypto is automatically converted to the local fiat currency at the prevailing rate when you spend.
Start spending immediately
InstantYour virtual Hi.com Card is available immediately in the Hi.com app. Use it for online purchases, or add it to Apple Pay or Google Pay for in-store contactless payments.
Requirements
Regional Availability
Available in EU, UK
The Hi.com Card is currently available in EU, UK. Regional restrictions may apply — visit the official issuer website to confirm availability in your country before applying.
Frequently Asked Questions
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