The hi.com Card Affiliate Program offers a niche opportunity for promoting a hybrid crypto-fiat debit card that features unique perks like NFT customization and tiered membership rewards. Despite its attractive features—such as up to 12% cashback for premium tiers—the program lacks a formal affiliate structure, recurring commissions, and has geographic limitations (focusing mainly on SEPA regions). In contrast, the UPay Affiliate Program provides a transparent, scalable, and globally accessible solution with robust long-term rewards and advanced affiliate tools, making it an ideal alternative or complement for affiliates seeking to maximize earnings in the crypto-finance space.
Key Takeaways
- hi.com Card Affiliate Program:
- Rewards & Perks: Offers tiered membership rewards (from 5% up to 12% cashback) and NFT customization for personalized card designs.
- Commission Structure: Provides a one-time €30 referral bonus plus an extra €10 when the referred user spends €100.
- Limitations: Lacks recurring commissions, has no formal affiliate tracking or payout details, and is geographically limited to SEPA regions with EUR-only support.
- UPay Affiliate Program:
- Transparent Earnings: Delivers a clear commission structure of $30 per card activation plus 0.6% on monthly recharge volume.
- Global Reach: Operates in over 168 countries (excluding 30+ regions such as China, Russia, and Iran) with support for multiple currencies and over 20 cryptocurrencies.
- Versatile Card Offering & Advanced Tools: Features 9 card types (Platinum, Stellar, Sapphire, Precious, Euro, Privilege, Prestige, Seamless, etc.) designed for individuals, businesses, and Web3 companies.
- Robust Affiliate Support: Offers tiered rewards for high performers, specialized corporate and distributor agent tracks, VIP account managers, pre-designed marketing collateral (templates, banners, custom referral links), an advanced analytics dashboard, and a KOL Partnership Program with premium commissions and expanded market access.
- Payout Frequency: Commissions are paid on a monthly basis with full transparency.
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Overview of the hi.com Card Affiliate Program
hi.com positions its card as a hybrid solution that blends crypto and fiat functionalities with unique customization options. However, the affiliate aspect of the program remains informal and limited.
Commission Structure & Rewards
- Initial Referral Bonus:
Affiliates earn a one-time €30 referral bonus when a new user signs up, with an additional €10 bonus upon the user’s first €100 spend. - Membership Tiers:
The hi.com card offers several membership tiers that come with increasing cashback rewards and exclusive perks:- Basic: 5% cashback, PVC card, and Spotify rebate.
- Silver: 8% cashback, requires staking 10,000 HI tokens, and comes with a metal card plus Netflix rebate.
- Gold: 10% cashback, requires 50,000 HI tokens, with a polished metal card and hotel credits.
- Diamond: 12% cashback, requires 250,000 HI tokens, featuring a diamond-encrusted card.
Features
- Crypto-Fiat Bridge:
Users can convert cryptocurrencies like BTC and ETH to EUR instantly at Visa merchants. - Business Solutions:
Offers bulk crypto transactions for SMEs. - Visa Network:
The card is accepted at over 40 million merchants globally.
Critical Limitations
- Geographic Restrictions:
hi.com’s services are primarily focused on the SEPA region, limiting access outside the EU. - Single-Currency Support:
The card supports only EUR, with no options for other fiat currencies like USD or GBP. - Lack of Recurring Commissions:
Once the initial bonus is paid, there is no recurring or tiered commission structure to generate ongoing revenue for affiliates. - Informal Affiliate Infrastructure:
There are no dedicated tracking tools, detailed payout terms, or advanced marketing support provided to affiliates.
Why UPay Trumps hi.com
UPay’s affiliate program addresses many of the limitations found in the hi.com Card offering, delivering both transparency and scalability:
- Recurring Revenue Model:
Affiliates earn $30 for every card activation and an additional 0.6% commission on the monthly recharge volume—a recurring revenue stream that continues as long as the referred user remains active. - Global Scalability:
UPay’s services are available in over 168 countries, enabling affiliates to target diverse markets beyond the SEPA region. This broad reach includes key emerging markets in Asia, Latin America, Africa, and more. - Multi-Currency & Multi-Crypto Support:
UPay cards support multiple fiat currencies (such as EUR, USD, GBP) along with over 20 cryptocurrencies, giving users the flexibility to transact in their preferred currency without conversion hassles. - Versatile Card Options:
UPay offers 9 different card types (e.g., Platinum, Stellar, Sapphire, Precious, Euro, Privilege, Prestige, Seamless) designed for various user segments, including individuals, businesses, and Web3 companies. This diversification caters to a wide range of customer needs. - Comprehensive Affiliate Infrastructure:
UPay provides a formal affiliate program with:- Corporate vs. Distributor Agent Tracks: Allowing affiliates to choose the track that best suits their audience—corporate partners for large-scale B2B solutions or distributor agents for broader individual outreach.
- VIP Account Managers: Dedicated support to help affiliates optimize their performance.
- Robust Marketing Collateral: Including pre-designed templates, banners, custom referral links, APIs, and an advanced analytics dashboard for real-time tracking.
- KOL Partnership Program: For influencers and industry leaders to gain premium commissions and expanded market access.
- Transparent Payouts:
UPay guarantees monthly payouts, ensuring a reliable income stream with clear metrics and tiered rewards for high-performing affiliates.
Participation Requirements: hi.com vs. UPay
A detailed comparison of participation criteria further highlights the flexibility and transparency of UPay’s program:
| Criteria | hi.com Card | UPay Card |
| Audience Size | Requires crypto-focused platforms (primarily EU) | None – open to all affiliates |
| KYC Compliance | Mandatory for cardholders | Mandatory for card issuance |
| Content Guidelines | Focused on crypto and finance | Flexible – applicable to crypto, travel, freelancing, fintech, etc. |
| Geographic Reach | SEPA regions (EU-centric) | Operates in 168+ countries (excludes 30+ regions like China, Russia, Iran) |
| Marketing Tools | Limited (only basic referral links) | Comprehensive tools including banners, APIs, real-time analytics, VIP account managers, and custom links |
| Payout Frequency | Undisclosed | Monthly payouts with transparent tracking |
hi.com vs. UPay: Which is Better for Affiliates?
| Criteria | hi.com Card | UPay |
| Commission Model | Hypothetical tier-based referrals (one-time €30 + €10 bonus) | $30 per card activation + 0.6% on monthly recharge volume |
| Earning Potential | Limited to initial rewards with no recurring income | Recurring, scalable earnings with tiered rewards for high performers |
| Supported Assets | Primarily EUR and major cryptocurrencies | Supports BTC, ETH, USDT, EUR, GBP, and 10+ other cryptocurrencies |
| Card Types | Hybrid crypto-fiat Visa card with NFT customization | Offers virtual and physical Mastercard options with ATM access across 9 versatile card types |
| Fees | Undisclosed forex/ATM fees; 1.5% forex markup on transactions | Transparent fee structure: Approximately 1% cross-border, 0% issuance fee, and volume discounts available |
| Rewards | Up to 12% cashback (user-only, tied to HI token) | Tiered cashback options plus potential for corporate bonuses (up to $15K/month) |
| Compliance | Limited disclosures; token-dependent | Fully licensed and compliant, ensuring robust security and regulatory adherence |
UPay’s comprehensive, transparent, and globally scalable model clearly offers greater long-term earning potential and flexibility for affiliates compared to hi.com’s limited, EU-centric approach.
hi.com Card 101: Features, Fees, and Functionality
Membership Tiers
| Tier | Cashback | Stake Requirement | Perks |
| Basic | 5% | None | PVC card, Spotify rebate |
| Silver | 8% | 10,000 HI | Metal card, Netflix rebate |
| Gold | 10% | 50,000 HI | Polished metal, hotel credits |
| Diamond | 12% | 250,000 HI | Diamond-encrusted card |
Fee Structure
- Crypto Conversion: Approximately 1–2% spread (industry average).
- ATM Withdrawals: Likely incur 2–3% plus operator fees.
- Foreign Transactions: Estimated 1.5% forex markup.
Limitations
- EUR-Only Support:
The card supports spending exclusively in EUR, with no multi-currency options. - No Altcoins:
Does not support other popular altcoins such as SOL, XRP, or stablecoins. - Geographic Gaps:
Unavailable in the U.S., Africa, and parts of Asia, restricting its market potential.
hi.com and the Cryptocurrency Market: Position & Challenges
Market Position
hi.com targets crypto users within the EU by offering a hybrid card that enables spending crypto as EUR and features personalized NFT customization. Its tiered cashback model, linked to staking HI tokens, appeals to premium users but remains highly token-dependent.
Challenges
- Token-Centric Model:
The reliance on HI token values exposes users to volatility, deterring mass adoption. - Geographic Constraints:
Being SEPA-centric, hi.com excludes significant global markets. - Lack of Affiliate Infrastructure:
With no formal affiliate program or recurring commission model, long-term earning potential for marketers is limited.
UPay’s Counter-Strategy
- Multi-Currency Support:
UPay supports spending in EUR, USD, GBP, and more than 10 cryptocurrencies, ensuring broader appeal. - Stablecoin Options:
USDT/USDC support reduces volatility risks. - Business Tools:
Offers multi-user corporate cards with comprehensive spend analytics. - Formal Affiliate Structure:
Provides recurring, transparent commissions and a full suite of affiliate tools for long-term growth.
UPay Affiliate Program: A Reliable Alternative
UPay Affiliate Program Overview
The UPay Card Affiliate Program is designed to bridge the gap between cryptocurrency and fiat transactions by offering a clear, performance-driven commission structure. The program is structured to cater to a diverse range of partners, including:
- Corporate Card Partners:
Ideal for Web3 companies and businesses seeking to streamline international payment processes. - Distributor Agents:
Suitable for individuals or agencies managing multiple client accounts with customizable fee configurations. - Affiliate Marketers:
Perfect for individuals or businesses looking to earn recurring commissions by referring new users to UPay.
Key Features
- Competitive Commission Structure:
Earn $30 per card activation plus 0.6% commission on monthly recharge volume. - Advanced Management Tools:
Benefit from a user-friendly dashboard with real-time insights, customer onboarding, and performance analytics. - Global Accessibility:
UPay supports transactions in over 168 countries (excluding 30+ regions such as China, Russia, and Iran) and handles multiple currencies. - Versatile Card Offering:
Choose from 9 card types—including Platinum, Stellar, Sapphire, Precious, Euro, Privilege, Prestige, Seamless—designed for individuals, businesses, and Web3 companies. - Robust Affiliate Support:
Enjoy dedicated VIP account managers, an extensive suite of pre-designed marketing collateral (banners, templates, custom referral links), and an advanced analytics dashboard. - Specialized Partnership Tracks:
Tailor your promotional strategy by choosing between Corporate Card Partners or Distributor Agent tracks. - KOL Partnership Program:
For influencers and industry leaders, UPay offers premium commission rates and expanded market access.
How to Earn with UPay
- Activation Commissions:
Earn a fixed $30 for every verified card activation. - Monthly Recharge Volume:
Receive 0.6% commission on the total monthly recharge volume generated by your referrals. - Volume-Based Incentives:
Unlock additional bonuses as your referral volume increases. - Crypto Incentives:
Earn extra rewards for users who fund their cards with cryptocurrency. - Cross-Selling Opportunities:
Promote additional UPay services (e.g., business APIs) to generate recurring income.
Read Also: Trustee Payment Card Affiliate Program vs. UPay Affiliate Program: A Comprehensive Review
Why Choose UPay?
- Global Reach & Versatility:
UPay serves over 168 countries and supports multiple fiat currencies alongside more than 20 cryptocurrencies, making it ideal for a global audience—from freelancers and SMEs to large enterprises. - Transparent, Scalable Earnings:
With a clear commission structure of $30 per activation plus 0.6% monthly recharge, UPay offers recurring revenue with tiered rewards for high performers. - Robust Affiliate Support:
Benefit from 24/7 VIP account managers, comprehensive marketing tools, and real-time performance tracking to optimize your campaigns. - Specialized Partnership & KOL Programs:
Choose from corporate or distributor tracks and leverage the KOL Partnership Program for premium commissions and expanded market access.
Conclusion
While the hi.com Card Affiliate Program offers niche appeal through its innovative NFT customization and tiered cashback rewards, its limitations—such as the absence of a formal affiliate structure, lack of recurring commissions, and geographic restrictions—severely constrain long-term earning potential. In contrast, the UPay Affiliate Program delivers a transparent and scalable model with $30 per card activation plus 0.6% on monthly recharge volume, global accessibility in over 168 countries, and a versatile suite of 9 multi-currency card types. Coupled with robust affiliate support, specialized partnership tracks, and a KOL Partnership Program, UPay stands out as the superior, future-proof solution for affiliates looking to maximize revenue in today’s dynamic crypto-finance landscape.
Frequently Asked Questions
What is the cost of joining the UPay Affiliate Program?
Joining UPay’s affiliate program is completely free—there are no upfront fees or hidden costs. Simply sign up, receive your unique referral code, and start promoting.
How are commissions calculated?
Affiliates earn a fixed $30 for every verified card activation plus an additional 0.6% commission on the monthly recharge volume generated by their referrals. Tiered rewards further enhance earnings as your referral volume increases.
When do I get paid?
UPay offers monthly payouts, ensuring you receive your earnings on a regular, predictable schedule. You can track your performance in real time using UPay’s advanced analytics dashboard.
What marketing resources are available to affiliates?
UPay provides an extensive suite of marketing tools, including pre-designed banners, custom referral links, email templates, and a real-time analytics dashboard. Dedicated VIP account managers are available 24/7 to support your promotional efforts.
Is there a minimum audience requirement to join UPay’s affiliate program?
No, UPay is open to all affiliates—from nano-influencers to established marketers—without any minimum audience requirements.
