hi is a Web3 neobank founded in 2020 by Sean Rach (former CMO of Crypto.com) and authorized as a Virtual Asset Service Provider in Lithuania. In 2022, hi launched a Mastercard-branded debit card with NFT avatar customization, in partnership with Mastercard.
The hi Card is a crypto debit card offered by hi, available in 25+ EU countries. It offers 1-10% (suspended) cashback across 6 reward tiers, with higher rates unlocked by staking the provider's native token.
Best suited for the provider's native token holders willing to stake for higher rewards. Its cashback rate sits in the top tier among crypto cards we track. It runs on the Mastercard network.
| Tier | Rate | Requirement |
|---|---|---|
| Basic | 1% | 100 HI staked |
| Black | 3% | 1,000 HI staked |
| Silver | 5% | 10,000 HI staked |
| Gold | 8% | 100,000 HI staked |
| Platinum | 9% | 1M HI staked |
| Diamond | 10% | 10M HI staked |
Note: World's first NFT-customizable Mastercard. Founded by ex-CMO of Crypto.com and ex-CEO of Bitcoin.com. WARNING: All card rewards REMAIN SUSPENDED as of May 2026 per official hi.com help center notice ('hi is revamping its rewards program and suspending all Debit card rewards until further notice'). Tier system was previously moved from HI staking to accumulated points (breaking change). UK users reported locked stakes with difficulty withdrawing. Help center still describes the card as live for spending at 60M+ Mastercard merchants, but no evidence of active card issuance/marketing in 2026 and no rewards revamp completion announced. Status genuinely unclear: company still operating but card economics dormant.
Other crypto cards in the same region or category that may suit your spending profile:
The hi Card is a crypto debit card offered by hi. It is available in 25+ EU countries and allows users to spend cryptocurrency at merchants worldwide.
The hi Card offers 1-10% (suspended) cashback. There are 6 tiers: Basic (1%), Black (3%), Silver (5%), Gold (8%), Platinum (9%), Diamond (10%).
The hi Card has an annual fee of TBD.
The hi Card is available in 25+ EU countries. Its availability status is "EU".
The hi Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the hi Card requires staking the provider's native token to unlock higher cashback tiers. The card has 6 reward tiers: Basic (1%, requires 100 HI staked); Black (3%, requires 1,000 HI staked); Silver (5%, requires 10,000 HI staked); Gold (8%, requires 100,000 HI staked); Platinum (9%, requires 1M HI staked); Diamond (10%, requires 10M HI staked). Higher staking amounts yield better reward rates, but consider the opportunity cost of locking tokens.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level.