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Spend Rewards - Get up to 5% Back
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Written by Angelina
Updated over a week ago

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:

Merchant Code

Merchant Type

4722

Travel Agencies and Tour operators

4829

Money Transfer

4900

Utilities - Electric, Gas, Heating Oil, Sanitary, Water

5817

Digital Goods: Software Applications

5972

Stamp and Coin Stores - Philatelic and Numismatic Supplies

6010

Manual Cash Disbursements - Customer Financial Institution

6011

Automated Cash Disbursements - Customer Financial Institution

6012

Merchandise and Services - Customer Financial Institution

6050

Quasi Cash - Customer Financial Institution

6051

Quasi Cash - Merchant

6211

Securities - Brokers/Dealers

6532

Payment Transaction - Customer Financial Institution

6533

Payment Transaction - Merchant

6536

Moneysend - Intracountry

6537

Moneysend - Intercountry

6538

Moneysend Funding

6540

POI Funding Transactions

7012

Timeshares

7273

Escort Services

7297

Massage Parlours

7399

Business Services

7800

Government Owned Lottery

7801

Internet Gambling

7802

Government Licensed Horse/Dog Racing

7995

Gambling Transactions

7996

Amusement Parks, Carnivals, Circuses, Fortune Tellers

8398

Charitable Organisations

8398

Social Service Organisations

8641

Social Association

8651

Political Organisations

8661

Religious Organisations

8931

Accounting Services

8999

Professional Services—not elsewhere classified

9222

Fines

9223

Bail and Bond Payments

9311

Tax Payments

9402

Postal services — government only

9405

U.S. Federal Government Agencies or Departments

9406

Government-Owned Lotteries (Non-U.S. region)

9399

Government Services—not elsewhere classified

9754

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.

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