hi (hi.com) · Debit
hi Card review
The hi Card is a Mastercard debit card (physical and virtual) that spends crypto and fiat at 90M+ merchants across the EEA and UK. Spend Rewards are paid in the HI token by tier, but the debit-card rewards program is currently suspended until further notice.
Quick answer. hi Card is a debit crypto card on Mastercard from hi (hi.com). Rewards: Spend Rewards paid in HI token, by membership tier — CURRENTLY SUSPENDED (HI, Crypto and Fiat Spend Rewards suspended until further notice). Funds are custodial; it supports 100+ cryptocurrencies to buy/sell; card funded from IBAN (EUR/GBP) or crypto holdings. Available in EEA countries and the UK.
Key takeaways
- Network & type: Debit · Mastercard
- Rewards: Spend Rewards paid in HI token, by membership tier — CURRENTLY SUSPENDED (HI, Crypto and Fiat Spend Rewards suspended until further notice)
- Custody: Custodial
- Coins: 100+ cryptocurrencies to buy/sell; card funded from IBAN (EUR/GBP) or crypto holdings
- Availability: EEA countries and the UK
Our rating, explained
Every card is scored on the same six factors — the weighting shows how much each counts toward the overall (provisional) score. How we rate →
Who it's for
Look elsewhere if…
- You want to avoid identity verification (KYC)
- You insist on holding your own keys (this card is custodial)
How it compares to the field
Put in context against all 67 crypto cards we track and verify.
Overview
The hi Card is a Mastercard debit card offered by the crypto platform hi (hi.com). Designed for users in the EEA countries and the UK, this card allows you to spend both cryptocurrencies and fiat currencies at over 90 million merchants worldwide. While the card offers a range of features typical of crypto debit cards, including physical and virtual card options, it currently has some limitations, such as the suspension of its rewards program.
As a custodial card, hi holds your crypto assets, which means you do not have direct control over your private keys. This setup is standard for many crypto cards but may not appeal to users who prioritize self-custody.
How it Works
The hi Card functions as a standard debit card, allowing you to spend your crypto and fiat holdings seamlessly. You can fund the card using an IBAN in EUR or GBP, or directly from your crypto holdings. The card supports over 100 cryptocurrencies, providing flexibility for users who want to manage multiple digital assets.
One of the standout features of the hi platform is its staking option, known as Earn Boosters. Users can stake HI tokens to earn up to 50% APY on their crypto deposits. This feature is particularly attractive for those looking to maximize their crypto holdings, although it is important to note the risks associated with staking and the volatility of crypto markets.
Unfortunately, the card’s rewards program, which previously offered Spend Rewards paid in HI tokens based on membership tiers, is currently suspended. This suspension affects both HI and crypto spend rewards, as well as fiat spend rewards, until further notice. This is a significant drawback for users who were attracted to the card for its rewards potential.
Fees and Value
The hi Card does not publish specific fees for its services, such as annual fees, foreign exchange fees, ATM withdrawal fees, or top-up fees. This lack of transparency may be a concern for potential users who want to understand the full cost of using the card. Without clear fee information, it is difficult to assess the overall value proposition of the card compared to other options on the market.
For a detailed comparison of fees and features with other cards, you can visit our crypto card comparison page. Additionally, our rating methodology provides insight into how we evaluate crypto cards to help you make an informed decision.
Who It’s For
The hi Card is best suited for users who:
- Are based in the EEA or the UK and want a Mastercard debit card that supports crypto and fiat spending.
- Are interested in staking HI tokens to earn potentially high returns, despite the risks associated with staking and crypto market volatility.
- Are comfortable with a custodial solution, as hi holds the crypto assets.
- Are aware of the current suspension of the rewards program and are willing to wait for its potential reinstatement.
Users who prioritize self-custody or are looking for a card with a clear and published fee structure may need to consider other options. For more information on how we rate crypto cards and what to consider when choosing one, visit our how we rate page.
Overall, the hi Card offers a range of features that may appeal to crypto enthusiasts, but its limitations, such as the suspended rewards program and lack of fee transparency, should be carefully considered.
Fees & costs
| Fee | Amount |
|---|---|
| Annual / issuance | — |
| FX / spend fee | — |
| ATM withdrawal | — |
| Top-up / load | — |
| Staking / lockup | Yes — HI staking; Earn Boosters up to 50% APY on crypto deposits |
Pros & cons
Pros
- Mastercard debit card spending crypto & fiat at 90M+ merchants
- Physical and virtual debit card options
- Staking / Earn Boosters (up to 50% APY) available on the platform
Cons
- Debit card rewards program suspended until further notice
- Availability limited to EEA and UK
- Custodial — hi holds the crypto
Supported crypto
Coins:
Our take
The hi Card is a versatile Mastercard debit card for EEA and UK residents, integrating crypto and fiat spending with staking opportunities, but its rewards program is suspended and fee details are unclear.