For Moonshot AI, ABC’s campaign makes card acquisition a controlled route to paid Kimi use, and the 500-package cap constrains immediate distribution.
Agricultural Bank of China’s fourth-quarter card promotion turns access to Kimi’s paid membership into a purchase-linked reward. Eligible first-time holders of the bank’s high-end KIMI co-branded primary card can receive a package containing two KIMI Pro monthly cards after accumulating RMB5,888 of qualifying spending. The bank’s ABC Q4 campaign limits the package to 500 recipients and sets out separate claiming and redemption deadlines.
The promotion gives Moonshot AI’s Kimi service a bank-card distribution route with a defined customer action and a fixed supply of rewards. The Alibaba-owned South China Morning Post reported on October 17 that Moonshot AI, Agricultural Bank of China (ABC), and American Express call their product the world’s first AI-native credit card. Its account gives the premium card a shorter qualifying-spend period than ABC’s Q4 page, leaving the relationship between the two sets of terms unresolved.
ABC’s offer specifies who qualifies and when
ABC’s campaign runs from October 1 through December 31, 2026. It is available to customers applying for an ABC KIMI co-branded high-end platinum primary card for the first time during that period. The bank says the RMB5,888 target must be met from the card-approval date through the stated two-natural-month period. Its example for a card approved on October 1 counts spending from that day through December 31; a card approved on December 31 has a period ending February 28, 2027.
The bank treats only enumerated transactions as qualifying spending. ABC excludes cash withdrawals, repayments, installment payments, cash advances, preauthorizations, annual fees, interest, overdue charges, handling fees, and returned transactions. The bank also requires the card to remain in normal status. Those rules make the offer dependent on both spending and account condition during the campaign process.
ABC’s fourth-quarter campaign limits the KIMI Pro membership reward to 500 gift packages. Each package also includes a KIMI NFC plush pendant, and the bank says the two items must be claimed separately. The cap applies to the redemption-code pool and is allocated to qualifying customers on a first-come, first-served basis. A qualifying customer may receive one package.
Reports show different windows for the RMB5,888 threshold
The membership card is part of a partnership that began before the fourth-quarter promotion. Pandaily reported on July 11 that Moonshot AI Kimi, ABC, and American Express jointly issued the card on July 10. That report establishes the partners and launch timing; ABC’s Q4 page provides the most detailed terms for this particular acquisition offer.
SCMP described the premium platinum version as providing two months of Kimi’s Allegretto membership, now called Pro, after at least RMB5,888 of spending within one month. It reported the membership’s price as RMB199 per month. ABC’s page offers two KIMI Pro monthly cards at the same RMB5,888 threshold, with the approval-date window described above. The reports specify different qualification periods for the shared spending target and two-month membership reward.
That difference affects the campaign’s operating mechanics. A cardholder who spends early in an approval month has a different qualifying timetable under a one-month period than under ABC’s approval-date rule. ABC’s terms also set a finite pool and redemption process, so the reward reaches only customers who meet the spending criteria, maintain an eligible account, and secure a code before the pool is exhausted.
Redemption deadlines will shape the campaign’s practical reach
ABC says qualifying customers will receive an SMS notification about their gift-package code by the end of the month after they qualify. The bank sets March 31, 2027, as the deadline to claim that code. It sets April 30, 2027, as the deadline to redeem a KIMI Pro membership code. The customer logs into a KIMI account with a mobile number and enters the code; the membership benefit is then credited to the account tied to that number.
The membership timing continues after code redemption. ABC says a KIMI Pro monthly-card code can be activated within one year of receipt, and each activated membership runs for one month. Multiple activated cards extend the membership period in sequence. These conditions create a window for a customer to obtain and use the reward after meeting the card-spending threshold.
The current campaign ends December 31, and ABC says its credit-card center may interpret, modify, change, or end the terms within the scope of law after a notice. The next official ABC campaign notice will show whether Kimi membership stays tied to the same threshold, qualification window, and 500-package limit.