Where and how can I use the Card?
Your hi Debit Card acts just like a regular MasterCard Debit Card. That means you can spend at more than 90 million merchants supporting Chip and PIN or Contactless payments worldwide and online.
Your virtual hi Card will be automatically activated upon successful order and can be used for online payments.
Once your Physical card has been delivered to you, you will be able to activate it within the App.
How do Spend Rewards work?
Spend Rewards is money back every time you make a purchase using your hi debit card.
The % you get back, depends on your membership tier and choice of spendable currency. Spend Rewards are always paid in our membership token HI and are held in your Rewards wallet.
You can find all the details here
What currency are Spend Rewards paid in?
Spend Rewards are paid out in HI.
How often are Spend Rewards credited?
Spend Rewards are typically credited instantly to your Rewards wallet, and released to your Flexible available for you to withdraw 30-60 days later. Read about it here
How do I view and keep track of my Spend Rewards?
Within the App, navigate to the Card section where you can see an overview and a breakdown of your Spend Rewards per month
Your Transaction History will show Spend Rewards in Green as well as the Transaction Amount for each purchase
I made a purchase using my Debit Card but I haven’t received the Spend Reward. What do I do?
Please note that Spend Rewards will NOT show in your account until the transaction is settled by our processor, which sometimes can take up to a few days. Please wait to confirm the transaction has been settled before reporting missing Spend Rewards.
Are there any transactions that are not eligible for Spend Rewards?
Transactions using the card at merchants of this nature will be ineligible for Spend Rewards:
Travel Agencies and Tour operators
Utilities - Electric, Gas, Heating Oil, Sanitary, Water
Digital Goods: Software Applications
Stamp and Coin Stores - Philatelic and Numismatic Supplies
Manual Cash Disbursements - Customer Financial Institution
Automated Cash Disbursements - Customer Financial Institution
Merchandise and Services - Customer Financial Institution
Quasi Cash - Customer Financial Institution
Quasi Cash - Merchant
Securities - Brokers/Dealers
Payment Transaction - Customer Financial Institution
Payment Transaction - Merchant
Moneysend - Intracountry
Moneysend - Intercountry
POI Funding Transactions
Government Owned Lottery
Government Licensed Horse/Dog Racing
Amusement Parks, Carnivals, Circuses, Fortune Tellers
Social Service Organisations
Professional Services—not elsewhere classified
Bail and Bond Payments
Postal services — government only
U.S. Federal Government Agencies or Departments
Government-Owned Lotteries (Non-U.S. region)
Government Services—not elsewhere classified
Gambling-Horse, Dog Racing, State Lottery
Please be advised that this is not an exhaustive list of merchants. Any merchants that are deemed similar or related will be ineligible for cashback.