多家银行近期密集推出AI主题信用卡与借记卡，将大模型Token、AI会员等智能权益融入卡产品，吸引年轻和科技客群。7月15日银联宣布联合多家银行打造智能体主题信用卡，纵深推进AI权益与金融消费场景融合。6月以来招商、农行、平安、浦发等十余家银行已携手银联、美国运通及Kimi等平台率先尝试。
7月10日，全球首张AI原生信用卡“Kimi信用卡”正式发行，由Kimi、美国运通与中国农业银行联合推出。该卡自4月筹备、6月预约，将AI服务纳入核心权益，标志着AI大模型从软件订阅迈向金融生态融合，开启智能体支付及AI算力消费新路径。
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