One card.
All their benefits.
The RibiBenefits BenefitsCard carries every benefit category on a single physical and virtual card — meal, transport, health, gym, wellness and more. Loads automatically every month. Works across 12+ African markets.
- Physical card + virtual card — issued to every employee
- Separate balance per benefit category, all on one card
- Automatic monthly reload — no HR action needed
- Ring-fenced spending per category — no leakage
- Works in 12+ markets and local currencies
Card features
Built for the reality of African workplaces.
Physical + virtual
Every employee gets a physical card for in-person spend and a virtual card in the app for online and mobile transactions. Both work from day one.
Auto-loads on the 1st
Benefit credits load automatically on the first of every month. No manual action from HR after initial setup.
Multiple balances, one card
Separate balances for each benefit category — meal, transport, health, gym — all on the same card. Employees see exactly what they have in each bucket.
Works across 12+ markets
The same card works across every country we cover. A Nigerian employee travelling to Kenya can use their transport credit there. One card, everywhere.
Employer-controlled limits
You define which categories are active per employee grade. Set amounts per tier. Control exactly where each credit can be spent — down to category level.
Ring-fenced spending
Meal credit can only be spent on food. Transport credit on transport. Each balance is restricted to its category — no leakage into general spending.
Setup to live
From signup to first card load in 48 hours.
HR enrolls your team
Upload your employee CSV. Configure benefit allowances per grade. Set which categories each tier can access. Done in under an hour.
Cards are issued
Physical cards are dispatched and virtual cards are activated in the app. Ready within 48 hours of setup.
Credits load every month
On the 1st of each month, all balances reload automatically. Employees get a notification. Nothing for HR to do.
Employees spend
Tap the physical card at a restaurant, present a QR at the gym, or load a ride credit directly to their Uber account. Works however they choose.
HR sees everything
The dashboard shows utilisation per category, per team, per country — in real time. See what's working and adjust allowances at any time.
Coverage
Active in 12+ African markets.
Nigeria
NGN
Kenya
KES
Egypt
EGP
South Africa
ZAR
Ghana
GHS
Morocco
MAD
Tanzania
TZS
Uganda
UGX
Card design
Five colourways. One card programme.
Employees choose their preferred card colour during onboarding. The design is clean, professional, and carries the RibiBenefits identity — not your company's branding by default. White-label options available on Enterprise plans.
Questions
BenefitsCard FAQs
Ready to issue your first BenefitsCard?
Most teams are live — cards issued, credits loaded, employees spending — within 2 weeks of signing.