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Banks are intensively piloting AI-powered equity-benefit credit cards, using finely targeted operations to break through and better serve high-net-worth customer segments.

MarsBitNews
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The opening offers for acquiring credit cards are accelerating in their shift from traditional pull-along suitcases, coffee vouchers, and similar items to AI compute power and large model memberships. Since the second half of 2026, several commercial banks have rolled out themed credit cards featuring AI benefits in quick succession. “Spending equals compute power” is evolving from a trial effort by some institutions into a new competitive track that banks are rushing to develop. Industry insiders say that, against the backdrop of continued contraction in credit card issuance volumes, the replacement of benefits centered on compute power represents a finely targeted operational breakthrough for banks as they seek to win over high-net-worth customers. In the long run, whether such products can deliver meaningful incremental gains for credit card business will hinge on how institutions leverage AI technology to integrate it into their operations, materially optimize credit approval and intelligent risk control, and make sustained investments in building the AI compute ecosystem. (Securities Times)
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