هاي بطاقة البنك تبعي.

هاي means this. In Levantine, it is a common feminine singular demonstrative, so it matches بطاقة because بطاقة is feminine.

You may also hear regional variants such as هيدي with the same meaning.

Because بطاقة is a feminine noun. In Arabic, nouns have grammatical gender, and words like this often agree with the noun they describe.

So:

• هاي بطاقة = this card
• not هاد بطاقة

A good clue is that many nouns ending in ة are feminine, and بطاقة is one of them.

In Arabic, present-tense sentences like This is my bank card usually do not use an explicit verb for is.

So هاي بطاقة البنك تبعي literally looks something like:

this + bank card + mine

But in natural English, it means This is my bank card.

This is very normal in both spoken Levantine and Standard Arabic.

This is a very common Arabic structure called a construct phrase (often called iḍāfa).

بطاقة البنك literally means:

• card of the bank

But in natural English, that is often just bank card.

So the structure is:

• بطاقة = card
• البنك = the bank
• بطاقة البنك = bank card / the bank’s card

Arabic often expresses noun + noun relationships this way instead of using a separate word like of.

Because in this noun-noun structure, the first noun usually does not take الـ.

So:

• بطاقة البنك = correct
• البطاقة البنك = not correct

In an iḍāfa structure, the first noun is linked directly to the second noun. The definiteness is controlled by the whole phrase, especially the second noun.

Structurally, it literally looks like the card of the bank. But in everyday use, it usually just means bank card.

So in this sentence, the natural meaning is simply:

This is my bank card.

It does not usually imply some special emphasis like a card belonging to the bank unless the context makes that important.

تبعي means mine or my, depending on how it is used in the sentence.

Here it means something like:

• belonging to me
• my/mine

So:

• بطاقة البنك تبعي = my bank card
• more literally: the bank card that belongs to me

This تبع pattern is very common in Levantine Arabic for showing possession.

Because in Levantine, possession is often expressed with تبع + pronoun suffix, and it commonly comes after the noun phrase.

So instead of attaching my directly to the noun the way English does, Levantine can do this:

• بطاقة البنك تبعي = the bank card of mine = my bank card

This is especially useful when the thing being possessed is a longer phrase, not just a single noun.

You sometimes can, but it is a different structure.

• بطاقتي = my card
• بطاقة البنك تبعي = my bank card

If you only say بطاقتي, you are saying my card, and the idea of bank is no longer explicit unless the context already makes it obvious.

Also, with longer phrases like بطاقة البنك, using تبعي at the end is very natural in Levantine.

That depends on the regional variety of Levantine.

In some varieties, تبعي is used very broadly, even with feminine nouns. In other varieties, speakers may use a feminine form such as تبعتي with feminine nouns.

So both of these may be heard, depending on where the speaker is from:

• هاي بطاقة البنك تبعي
• هاي بطاقة البنك تبعتي

The sentence you were given is a normal Levantine-style way to say it.

Because the final ة in Arabic, called taa marbuuTa, often changes its pronunciation depending on what comes after it.

When the word stands alone, بطاقة is usually pronounced something like:

• biṭāʔa or biṭāʔe depending on dialect

But when it is followed by another noun in a construct phrase, the ة is pronounced like t:

• بطاقة البنك → biṭāʔet il-bank

So learners often notice that the ending sounds different in connected speech. That is completely normal.

Yes. Depending on region and style, you might hear variations such as:

• هيدي بطاقة البنك تبعي
• هاي بطاقة البنك تبعتي
• هاي كرت البنك تبعي
• هاي بطاقتي if the context already makes it clear that it is a bank card

The exact wording changes by country, city, and speaker, but the sentence you have is a very natural Levantine pattern.