Financial news has learned from official channels that China Merchants Bank (CM BANK) has officially introduced exclusive AI benefits for its flagship product for AI and technology professionals—the China Merchants Bank (CM BANK) American Express Engineer Credit Card. This marks the first initiative in China to incorporate Token as a new account gift, establishing it as the nation's inaugural credit card to feature Token-based benefits.
It is reported that new cardholders who meet the activity requirements for the first time will receive an AI Plan from the MiniMax platform. This plan offers up to 1.8 billion Token M3 usage per month, which can be directly applied to multi-modal model calls for documents, images, audio, video, and other high-frequency AI scenarios such as MaxClaw lobster deployment.
As a credit card institution that was among the first in China to focus on the AI sector and specific customer segments, China Merchants Bank's (CM BANK) credit card division adheres to an AI First philosophy. While enhancing its own AI capabilities, it continuously explores ways to deeply integrate into user scenarios of the AI era, actively responding to evolving user demands to provide superior services.
Traditionally, credit card benefits have primarily revolved around lifestyle consumption scenarios such as dining, travel, and entertainment. With the rapid advancement of artificial intelligence technology, AI tools and model call quotas are gradually becoming crucial productivity factors. The upgrade of the Engineer Card's AI benefits is based on a profound understanding of the needs of the new generation in technology innovation. It explores introducing more advanced AI productivity resources into the credit card benefits system, offering more career-scenario-appropriate services for AI developers and algorithm engineers. Consequently, China Merchants Bank (CM BANK) becomes the first bank in China to incorporate Token into credit card benefits.
Catering to different types of AI users and developers, the newly upgraded AI benefits system for the Engineer Card offers three plans. The first is for professional developers who frequently use AI tools, providing a 1-month MiniMax Token Plan Max with 1.8 billion Token M3 monthly usage, supporting concurrent operation of 4-5 Agents. The second is for individual developers with daily work needs, offering a 2-month MiniMax Token Plan Plus with 600 million Token M3 monthly usage, supporting 3-4 concurrent Agents. The third is for more diverse AI users, providing a 1-month MiniMax Token Plan Plus along with a 1-month MaxClaw Basic version. This builds on the former service by allowing deployment of a cloud-based MaxClaw that operates 24/7, with priority usage during peak hours.
From coffee and milk tea to Token resource packages, from lifestyle consumption to digital productivity, credit card benefits are undergoing a new transformation. In the future, under the guidance of the AI First philosophy, China Merchants Bank (CM BANK) Credit Card will continue to explore the deep integration of AI and financial services, constantly enriching the benefits ecosystem to provide customers with product experiences more aligned with the AI era.