Moonshot AI and Agricultural Bank of China Launch Kimi-Branded AI Credit Card
Moonshot AI, creators of the Kimi chatbot, has partnered with the Agricultural Bank of China and American Express to introduce what they claim is the first AI-native credit card globally. Unlike typical cards that offer cashback or travel perks, this one allows users to convert their spending into access to various AI services, including coding tools. There are two card tiers available. The premium platinum option provides two months of Kimi's Pro membership—valued at 199 yuan (about $30) monthly—if users spend at least 5,888 yuan (around $830) in a month. A journalist described this unique integration of AI in everyday finance, although some benefits may be limited. This initiative marks a shift in China's AI sector, focusing on financial incentives rather than just subscription models.
Key facts
- Moonshot AI developed the Kimi card with the Agricultural Bank of China and American Express
- The company calls it "the world's first AI native credit card"
- The card converts everyday spending into AI computing benefits, including agent usage quotas and coding tools
- Two versions are offered, with a premium platinum tier
- Platinum holders receive two months of the Allegretto membership, rebranded as Pro, priced at 199 yuan (US$30) per month
- The membership benefit requires spending at least 5,888 yuan (US$830) within one month
- A reporter who tested the card described the experience as intriguing but subject to limits
- The card represents a departure from China's AI companies' earlier push to sell technology through direct consumer payment
Entities
Institutions
- Moonshot AI
- Kimi
- Agricultural Bank of China
- American Express
- South China Morning Post
Locations
- China