X.PIN@thexpin · X7月10日，月之暗面确认全球首张AI原生信用卡Kimi Card的首批发卡合作方为美国运通和中国农业银行。该卡将日常消费转化为AI权益，包括高级会员、智能体使用及新模型抢先体验。月之暗面计划探索更深层整合，如智能体支付及将AI token额度与信用卡积分挂钩。同期，招商银行也在其工程师卡中引入AI token权益。该商业模式本质是让AI通过积分兑换获取，合作方美国运通瞄准高收入专业人士，使信用卡成为AI服务的分发渠道。
On July 10， Chinese LLM company Moonshot AI confirmed the first launch partners for what it calls the world's first AI-native credit card： American Express and the Agricultural Bank of China. Developed in partnership with American Express and the Agricultural Bank of China， the Kimi Card allows users to convert everyday spending into AI benefits， including premium membership， agent usage， early access to new models， and other AI services. The company also says it plans to explore deeper integrations， including agent payments and linking AI token allowances with credit card rewards. Around the same time， China Merchants Bank introduced AI token benefits for its Engineer Card， making AI usage part of its credit card rewards program. What's interesting is that Kimi isn't simply selling more AI. It's trying to make AI look like a familiar financial product. The mechanics are surprisingly simple： spend money， earn rewards， redeem them for AI. For decades， credit card programs have competed with airline miles， hotel points， and cashback. Kimi is betting that AI belongs alongside them. The choice of partners is also telling. American Express has traditionally targeted professionals， business travelers， and higher-income users-the same audience most likely to pay for productivity-focused AI services. In that sense， the credit card isn't just a payment product. It's also a distribution channel. Whether this catches on is another question. But it suggests that at least some Chinese AI companies are experimenting not only with better models， but also with new ways of reaching paying users.