Home
Kimi partners with American Express and Agricultural Bank to launch first AI-native credit card
On July 10, the Kimi Credit Card—the world’s first AI-native credit card—was officially launched, as reported by the People's Daily. Developed jointly by Kimi, American Express, and China Agricultural Bank, the initiative began in April, opened for reservations on June 12, and concluded its partnership negotiations. As the first consumer card integrating AI services into its core rewards system, this launch marks a pivotal step in embedding AI large models into the financial ecosystem, paving the way for intelligent payments and new models of AI computing power consumption.
The card’s primary innovation lies in creating a “consumption as productivity” value loop. Cardholders can exchange daily spending points for Kimi membership benefits at an 80% discount, with a redemption ratio of 1000:1 in the points mall and up to 50% redeemable via points. Each transaction converts into Kimi computing power quotas or can be directly used to exchange for Agent usage quotas and advanced feature permissions. Looking ahead, the three partners plan to deepen their collaboration, exploring cutting-edge scenarios such as automated payments by intelligent entities, credit limits linked to Token quotas, and the bidirectional integration of points and computing power.
From a market strategy standpoint, American Express targets white-collar professionals, cross-border experts, and business elites—key demographics for productivity-focused AI services. By leveraging American Express’s global financial network, Kimi aims to significantly reduce customer acquisition costs in international markets and accelerate its global user expansion. This cross-industry collaboration between “AI + finance” not only introduces differentiated digital asset benefits to the traditional credit card sector but also establishes a new traffic entry point and monetization model for the commercialization of large language models.
Related article
How to optimize SEO for Google Japan and Yahoo Japan
As an independent content creator who regularly handles a mix of old archival footage, user-generated clips, and compressed B-roll from various online sources, dealing with visual quality drops has always been a major headache. In fact, a recent repo
MiniMax 2.5 Tops Global Usage With Over $150M Monthly Revenue; M3 Flagship Version Set for H1 Release
Chinese large language models are generating intense momentum across the global developer ecosystem, driven by their reputation for cost-efficiency and engineering excellence.As of March 3, 2026, data from OpenRouter, the world’s leading API aggregat
Meta's Muse outpaces ChatGPT in early mobile launch
New data suggests Meta’s latest AI app, Muse, could become the social giant’s next major success. According to recent estimates from Appfigures, Muse has been downloaded on mobile devices more times in its first twelve days than ChatGPT did in the tw
Related Special Topic Recommendations
Design & Art
Top AI Illustration Tools: Create Editorial Scenes and Cover Art Faster
2026 Latest Top-rated AI Illustration Tools: Our curated list features the best powerfully designed tools for creating stunning editorial scenes and eye-catching cover art quickly. Each option has gone through rigorous real-world tests, offering a free vs paid comparison to help you find the perfect match for your workflow. Try these must-try solutions today to unlock your AI edge and boost your creative productivity. Explore now at XIX.AI.
10 tools
xix.ai
Education and Learning
Top AI Tutors for Exam Prep: Practice Math, Science, and English
2026 Latest Top-Rated Best AI Tutors for Exam Prep are here on XIX.AI! Our curated list features powerful game-changing tools that offer free vs paid comparison, real-world tests, and weekly updated rankings. They help boost your writing efficiency, simplify complex topic learning, and unlock your academic potential. Explore now to Discover your perfect exam prep tool and Start creating today to Unlock your AI edge!
10 tools
xix.ai
Finance
AI Budget Planning Tools for Personal Money Management
2026 Latest Best Top-Rated AI Budget Planning Tools for Personal Money Management are here on XIX.AI! This curated collection features powerful, game-changing solutions that help you conduct real-world tests, understand spending habits, and create personalized plans to boost productivity. Enjoy a free vs paid comparison along with detailed rankings. Must-try tools designed to simplify money management and unlock your AI edge. Explore now!
11 tools
xix.ai
Health & Wellness
AI Sleep Tracking Assistants: Improve Recovery with Better Bedtime Habits
2026 Latest Best Top-Rated AI Sleep Tracking Assistants curated for ultimate recovery. This fully updated weekly guide features powerful tools that deliver real-world tests, free vs paid comparison, and detailed rankings to help you find the must-try solution that boosts sleep quality and supports better bedtime habits. Explore now at XIX.AI to Unlock your AI edge.
10 tools
xix.ai
Data Analysis
AI SQL Copilots for Product and Revenue Analytics
2026 Latest Best Top-Rated AI SQL Copilots for Product and Revenue Analytics! XIX.AI has curated a powerful, game-changing collection of must-try tools that undergo real-world tests through weekly updated rankings. These tools help users boost productivity significantly by accelerating data analysis, streamlining complex queries, and generating accurate insights to drive smarter business decisions. Explore now to Discover your perfect tool for unlocking your AI edge!
14 tools
xix.ai
Education and Learning
Best AI Homework Helpers That Teach: Learn Concepts, Not Just Answers
2026 Latest Best Top-Rated AI Homework Helpers That Teach Core Concepts Not Just Answers Powerful Tools for Students Must-Try Curated List Weekly Updated Free vs Paid Comparison Real-World Tests Accurate Rankings to Help You Unlock Your Full Learning Potential Explore now to Discover your perfect tool for smarter studying.
10 tools
xix.ai
Comments (0)
0/500
On July 10, the Kimi Credit Card—the world’s first AI-native credit card—was officially launched, as reported by the People's Daily. Developed jointly by Kimi, American Express, and China Agricultural Bank, the initiative began in April, opened for reservations on June 12, and concluded its partnership negotiations. As the first consumer card integrating AI services into its core rewards system, this launch marks a pivotal step in embedding AI large models into the financial ecosystem, paving the way for intelligent payments and new models of AI computing power consumption.
The card’s primary innovation lies in creating a “consumption as productivity” value loop. Cardholders can exchange daily spending points for Kimi membership benefits at an 80% discount, with a redemption ratio of 1000:1 in the points mall and up to 50% redeemable via points. Each transaction converts into Kimi computing power quotas or can be directly used to exchange for Agent usage quotas and advanced feature permissions. Looking ahead, the three partners plan to deepen their collaboration, exploring cutting-edge scenarios such as automated payments by intelligent entities, credit limits linked to Token quotas, and the bidirectional integration of points and computing power.
From a market strategy standpoint, American Express targets white-collar professionals, cross-border experts, and business elites—key demographics for productivity-focused AI services. By leveraging American Express’s global financial network, Kimi aims to significantly reduce customer acquisition costs in international markets and accelerate its global user expansion. This cross-industry collaboration between “AI + finance” not only introduces differentiated digital asset benefits to the traditional credit card sector but also establishes a new traffic entry point and monetization model for the commercialization of large language models.
How to optimize SEO for Google Japan and Yahoo Japan
As an independent content creator who regularly handles a mix of old archival footage, user-generated clips, and compressed B-roll from various online sources, dealing with visual quality drops has always been a major headache. In fact, a recent repo
MiniMax 2.5 Tops Global Usage With Over $150M Monthly Revenue; M3 Flagship Version Set for H1 Release
Chinese large language models are generating intense momentum across the global developer ecosystem, driven by their reputation for cost-efficiency and engineering excellence.As of March 3, 2026, data from OpenRouter, the world’s leading API aggregat
Meta's Muse outpaces ChatGPT in early mobile launch
New data suggests Meta’s latest AI app, Muse, could become the social giant’s next major success. According to recent estimates from Appfigures, Muse has been downloaded on mobile devices more times in its first twelve days than ChatGPT did in the tw
2026 Latest Top-rated AI Illustration Tools: Our curated list features the best powerfully designed tools for creating stunning editorial scenes and eye-catching cover art quickly. Each option has gone through rigorous real-world tests, offering a free vs paid comparison to help you find the perfect match for your workflow. Try these must-try solutions today to unlock your AI edge and boost your creative productivity. Explore now at XIX.AI.
10 tools
xix.ai
2026 Latest Top-Rated Best AI Tutors for Exam Prep are here on XIX.AI! Our curated list features powerful game-changing tools that offer free vs paid comparison, real-world tests, and weekly updated rankings. They help boost your writing efficiency, simplify complex topic learning, and unlock your academic potential. Explore now to Discover your perfect exam prep tool and Start creating today to Unlock your AI edge!
10 tools
xix.ai
2026 Latest Best Top-Rated AI Budget Planning Tools for Personal Money Management are here on XIX.AI! This curated collection features powerful, game-changing solutions that help you conduct real-world tests, understand spending habits, and create personalized plans to boost productivity. Enjoy a free vs paid comparison along with detailed rankings. Must-try tools designed to simplify money management and unlock your AI edge. Explore now!
11 tools
xix.ai
2026 Latest Best Top-Rated AI Sleep Tracking Assistants curated for ultimate recovery. This fully updated weekly guide features powerful tools that deliver real-world tests, free vs paid comparison, and detailed rankings to help you find the must-try solution that boosts sleep quality and supports better bedtime habits. Explore now at XIX.AI to Unlock your AI edge.
10 tools
xix.ai
2026 Latest Best Top-Rated AI SQL Copilots for Product and Revenue Analytics! XIX.AI has curated a powerful, game-changing collection of must-try tools that undergo real-world tests through weekly updated rankings. These tools help users boost productivity significantly by accelerating data analysis, streamlining complex queries, and generating accurate insights to drive smarter business decisions. Explore now to Discover your perfect tool for unlocking your AI edge!
14 tools
xix.ai
2026 Latest Best Top-Rated AI Homework Helpers That Teach Core Concepts Not Just Answers Powerful Tools for Students Must-Try Curated List Weekly Updated Free vs Paid Comparison Real-World Tests Accurate Rankings to Help You Unlock Your Full Learning Potential Explore now to Discover your perfect tool for smarter studying.
10 tools
xix.ai
