On July 10, Moonshot AI Kimi jointly issued the world first AI-native credit card with Agricultural Bank of China and American Express, linking membership tiers to card levels and offering token-based rewards. The card, conceived in April and opened for reservations on June 12, was brought to market in just three months. The standard version corresponds to Kimi Andante tier membership with an annual fee of $80, waived for the first year and waived subsequent years after 10 transactions. The premium platinum card corresponds to Kimi Allegretto tier membership at $122 annual fee, deductible with 200,000 reward points. Cardholders can redeem consumption points for AI productivity resources at a 1,000:1 exchange ratio, with daily consumption points offering a 20% discount for Kimi membership. Premium platinum holders also receive peak-time AI priority scheduling, exclusive events, and prompt engineering courses. The partnership leverages American Express global merchant network, which aligns with Kimi rapidly growing international user base overseas paid users and API revenue both grew 400% year-over-year, with products reaching 200-plus countries and regions. Within the past month, at least five major Chinese banks have launched AI-power-linked credit cards.