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Kimi and Banks Launch First AI-Native Credit Card

On July 10, the world's first AI-native credit card—the 'Kimi Credit Card'—officially hit the market. Developed in collaboration between Kimi, American Express, and the Agricultural Bank of China, the project kicked off in April, opened for reservations on June 12, and has now finalized the partnership. As the first consumer credit card to weave AI services into its core benefits, this launch signals a major shift: AI large models are moving beyond simple software subscriptions and embedding themselves into the financial ecosystem, paving a new path for intelligent payments and AI computing power consumption.

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The card's standout feature is its 'spend to produce' value loop. Cardholders earn points on everyday purchases, which can be exchanged for Kimi membership benefits at an 80% discount. In the points mall, the redemption ratio is 1000:1, with up to 50% of purchases payable through points. Every transaction can be converted into Kimi computing power quotas, or directly used to swap for Agent usage quotas and advanced function permissions. Looking ahead, the three partners plan to deepen their collaboration, exploring cutting-edge applications like automatic payments by intelligent entities, Token quotas linked to credit limits, and a two-way integration of points and computing power.

From a market perspective, American Express's customer base—white-collar workers, cross-border professionals, and business elites—represents the core paying group for productivity AI services. By tapping into American Express's international financial network, Kimi can significantly lower customer acquisition costs in overseas markets and accelerate its global user expansion. This cross-industry 'AI + finance' collaboration not only injects fresh digital asset benefits into the traditional credit card industry but also offers a new traffic entry point and monetization model for the commercialization of large models.

Key Points

  • First AI-native credit card: Kimi Credit Card launched by Kimi, American Express, and Agricultural Bank of China.
  • Spend to produce: Points from daily spending convert into Kimi membership and computing power.
  • Future plans: Explore intelligent entity payments, Token quotas linked to credit limits, and points-computing power integration.
  • Market strategy: Leverage American Express's network to reduce overseas customer acquisition costs and expand globally.