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Kimi Teams Up with AmEx and Agricultural Bank to Launch the World's First AI-Native Credit Card

On July 10, the world's first AI-native credit card—the "Kimi Credit Card"—officially hit the market. This isn't just another piece of plastic in your wallet. It's a collaboration between Kimi, American Express, and China Agricultural Bank that started back in April, opened for reservations on June 12, and finally came together as a full-fledged product.

So what makes this card special? For starters, it's the first consumer credit card that puts AI services right at the heart of its benefits system. Think of it as a bridge between your daily spending and the world of artificial intelligence. Every time you swipe, you're not just buying coffee or groceries—you're earning points that can be turned into Kimi computing power, membership perks, or even access to advanced AI features.

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The core idea here is simple but powerful: "consumption as productivity." Cardholders can redeem their daily spending points for Kimi membership benefits at an 80% discount. In the points mall, the exchange rate is 1000:1, with up to 50% of purchases payable through points. But here's where it gets interesting—every transaction can be converted into Kimi computing power quotas. That means your morning latte could literally help you run an AI model later. You can also use points to get Agent (intelligent entity) usage quotas and unlock advanced function permissions.

Looking ahead, the three partners plan to deepen their collaboration. They're exploring cutting-edge applications like automatic payments by intelligent entities, linking credit limits to Token quotas, and creating a two-way integration between points and computing power. It's a glimpse into a future where your credit card isn't just a payment tool but a key to the AI ecosystem.

From a market perspective, this partnership makes a lot of sense. American Express has a strong base of white-collar workers, cross-border professionals, and business elites—exactly the kind of people who are willing to pay for productivity AI services. By tapping into AmEx's international financial network, Kimi can significantly reduce its customer acquisition costs in overseas markets and speed up its global expansion.

This cross-industry collaboration between AI and finance is a big deal. It injects fresh, differentiated digital asset benefits into the traditional credit card industry, which has been looking for ways to stay relevant in the digital age. At the same time, it provides a new traffic entry point and monetization model for large AI models, which have been searching for sustainable business models.

In short, the Kimi Credit Card isn't just a piece of plastic—it's a statement. It says that AI is no longer just a software subscription; it's becoming part of our financial lives. And if this pilot works, we might see more AI-native financial products popping up soon.

Key Points

  • World's first AI-native credit card launched by Kimi, American Express, and China Agricultural Bank.
  • Spending points can be exchanged for Kimi membership (80% discount), computing power quotas, and advanced AI features.
  • Future plans include intelligent entity payments, credit limit-linked Token quotas, and points-computing power integration.
  • Market strategy leverages AmEx's network to reduce customer acquisition costs and accelerate global expansion.
  • Significance marks the integration of AI large models into the financial ecosystem, offering a new monetization path.