Imagine a city without barriers to government services and resources. One where our residents who need us most can get the financial support needed to push forward with pride. The City Card is our gateway to a more responsive and inclusive O’ahu.

City-funded cards for making swipe, tap, or pin purchases

Incentive cards are funded solely by the City of Honolulu, to be used for program-specific purchases like groceries, utilities, and transit.

City Cards work like a traditional debit card with contactless, swipe, and online PIN purchase capability.

The City of Honolulu has the right to reclaim funds loaded on the card subject to specific program rules.

Manage your card account in the app

Check your card balance and view each card transaction in real-time. Get real-time text notifications of each purchase


You can use your card at any grocery and convenience store on O’ahu to buy anything except:

  • alcohol
  • tobacco products
  • gift cards
  • bus passes

The card can also be used on online with O’ahu grocery and convenience stores with e-commerce options.

Target and Walmart will not accept the card

Safe, secure, and private.

MoCaFi respects and is committed to protecting the privacy of all cardholders. Your account is protected with multifactor authentication, Mastercard  ID Theft Protection™, Mastercard Zero Liability Protection for unauthorized purchases, and secure contactless card payment at in-person points of sale.

The MoCaFi Debit Card is issued by Sunrise Banks N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. The card may be used everywhere Debit Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Use of this card constitutes acceptance of the terms and conditions stated in the Account Agreement.
2The Ingo Money service is provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card or account. Unapproved checks will not be funded to your card or account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See your Account Agreement for details.
3Bill Payment Reporting is not a Sunrise Banks N.A. product, nor does Sunrise Banks N.A. endorse this feature.
4MoCaFi Mobility Score is not a Sunrise Banks N.A. product, nor does Sunrise Banks N.A. endorse this feature