Hibt Card FAQ

1. What is Hibt Card?

Hibt Card is a Visa card that allows you to spend your crypto assets anytime, anywhere. With Hibt Card, you can make payments with online merchants, seamlessly connecting everyday spending with your crypto assets.

Hibt Card can be used in any country or region where Visa is accepted. You can also link your card to third-party platforms such as Google Pay, WeChat Pay, PayPal, eBay, and Alipay for daily purchases.

2. What types of Hibt Card are available?

Currently, Hibt supports applications for virtual cards only. Applications for physical cards are not available at this time. 

3. How do I apply for a Hibt Card (Virtual Card)?

You can apply for a virtual card in the Card section of the Hibt App.

To apply, you need to:

- Create a cardholder profile
- Provide the required personal information (collected by the card issuer solely for card application purposes)
- Complete the initial top-up

Once completed, your application will be submitted successfully.

After the card is issued, you can view your card number, card details, and manage your card within the Hibt Card section. Virtual cards do not require a PIN.

Each user can apply for one virtual card only.

4. What fees apply to Hibt Card?

Card issuance fee: When applying for a virtual card, a $1 issuance fee will be charged. This fee is collected by the card issuer. Hibt does not charge any fees.

Top-up fee: When topping up the card using cryptocurrency, a 1.5% fee applies. This fee is collected by the card issuer. Hibt does not charge any fees.

Small transaction fee: Transactions below $1 will incur a $0.10 fee per transaction. This fee is collected by the card issuer.

3DS verification fee: $0.03 per transaction, collected by the card issuer.

5. How do I fund my Hibt Card?

You can fund your Hibt Card using the crypto assets in your Hibt funding account. After the funds are transferred to the card, they will be automatically converted into the equivalent amount in USD (applicable fees will be deducted).

Currently, USDT is supported for card top-ups. More cryptocurrencies will be supported in the future.

If you have a physical card, you may also deposit funds via supported ATMs.

6. Will I receive notifications for Hibt Card transactions?

Yes. Hibt Card will send in-app notifications and email alerts for every transaction, including payments, top-ups and withdrawals. You can also view your transaction history in the Hibt App.

7. Hibt Card Limits

8. Why did my transaction fail?

Insufficient balance: If your card balance is insufficient, the transaction will fail.

Too many incorrect PIN attempts: If the PIN is entered incorrectly multiple times (up to 5 attempts), Visa’s risk control system may be triggered and the card may be frozen. If your card becomes frozen, please contact customer support for assistance.

9. 3DS Verification

3DS Verification (3-Domain Secure) is an internationally recognized online payment security authentication protocol, primarily used to verify the identity of credit or debit cardholders to prevent unauthorized use and fraudulent transactions.

Simply put, it is an additional security verification step used by banks during online payments to confirm that the transaction is being made by the cardholder themselves.

Currently, whenever 3DS verification is triggered — regardless of whether the transaction is successful or not — the issuing bank will charge a fee of **$0.03 per transaction**. This fee is incurred even if the transaction fails.