Card opening gifts for credit card customers are rapidly changing from traditional trolley cases, coffee vouchers, etc., to artificial intelligence computing power, big model membership, etc. Since the second half of 2026, many commercial banks have intensively launched themed credit cards equipped with AI benefits. “Consumption is computing power” is evolving from an act of testing the waters by some institutions to a new competitive circuit for the banking industry. Industry insiders pointed out that against the backdrop of a continuous contraction in the number of credit cards issued, the change of equity centered on computing power is a breakthrough in refined operations carried out by banks for high-net-worth customers. In the long run, the key to whether such products can bring substantial growth to the credit card business is how institutions can use AI technology to integrate into the business, substantially optimize credit approval and intelligent risk control, and continue to invest in the construction of an AI computing power ecosystem.

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