Multiple Banks Launch AI-Themed Bank Cards, Card Usage Can Earn Large Model Tokens and AI Benefits

Several banks have recently launched AI-themed credit and debit card products, incorporating intelligent benefits such as large model Tokens and AI membership services into traditional bank card systems, aiming to attract young users and tech professionals through the artificial intelligence ecosystem. On July 15, China UnionPay announced a collaboration with multiple commercial banks to develop an intelligent entity-themed credit card product, further promoting the integration of AI benefits with financial consumption scenarios.

It is reported that since June, more than a dozen banks, including China Merchants Bank, Agricultural Bank of China, Ping An Bank, and China Everbright Bank, have jointly launched AI-themed bank cards with UnionPay, American Express, and large model companies such as Kimi and Alibaba Cloud. The relevant benefits are no longer limited to traditional points redemption but have shifted towards AI computing power Tokens, AI membership services, smart Agent tools, and professional database access.

Currently, the "card swipe to get Token" programs from banks mainly include three models: one targeting developers and engineers, offering high-volume Token packages for model calls and development needs; another converting daily consumption into computing power points, which can be exchanged for AI membership services; and the third providing cloud service coupons to offer office cost subsidies for tech professionals.

The layout of AI bank cards by banks aims to expand new customer groups such as tech users and AI creators. As the application of large models spreads rapidly, Tokens are gradually becoming a new type of digital resource asset. For professional users who frequently use AI tools, these benefits have practical value; however, for ordinary consumers, due to low frequency of daily AI usage, the appeal of Token benefits remains limited.

Industry experts believe that AI capabilities are becoming a new direction for financial product innovation. However, whether banks can revitalize the credit card market through AI benefits depends on the popularity of AI application scenarios and real user demand. In the future, the deep integration of AI services and consumer finance may become an important path for banks to explore growth among younger customers.