Fi-Coins may take a little time to show up in your account, as they're linked to your spending and total monthly spend. 5x Fi-coins for your top 3 merchants and 2x Fi-coins on Fi collection merchants will be credited 10 days after your bill is generated, and for all other transactions, your Fi-Coins will be credited after the transaction is confirmed. The Fi-Coins you have earned but have not received, will be shown as ‘Arriving’ in your Fi app.