"Keywords such as Token and Agent appear in credit card benefits."

For a long time, credit card benefits have mainly focused on food, travel, entertainment, and other daily expenses. However, with the advent of the AI era, some banks have become "trailblazers" in the productivity scene. Recently, China Merchants Bank UnionPay Engineer Credit Card has launched exclusive AI benefits, innovatively incorporating Tokens into new customer first swipe gifts. Experts believe that this is a landmark attempt for the credit card industry to cross over from consumer benefits to productivity benefits. In the future, credit card benefits will extend from physical goods and services to digital benefits, computing power quotas, and model permissions. Experts predict that in the future, credit card benefits will move away from universal flooding towards customized layers, cross-scene integration, and virtual-real fusion. Benefits carriers will extend from physical goods and services to digital benefits, computing power quotas, and model permissions, with points being able to circulate interchangeably with AI Tokens and digital memberships. At the same time, banks will rely on user behavior data to use AI to dynamically match benefits and achieve precise targeting for each individual.