Agricultural Bank of China × Kimi Co-branded Credit Card Campaign Details - July 10, 2026

Agricultural Bank of China and Kimi are jointly launching the KIMI co-branded credit card, with two card products corresponding to two gift campaigns. Both campaigns run from July 10, 2026 to September 30, 2026, but they differ in eligible participants, qualifying requirements, and rewards. Please refer to the rules for the card product you apply for.

Campaign Comparison

How to Apply for the KIMI Co-branded Credit Card

The KIMI co-branded credit card, also known as the “Kimi–American Express–ABC tri-party co-branded card”, is a card product jointly offered by Agricultural Bank of China and Kimi. It is available only in the Chinese mainland.

• Offline application: Visit an Agricultural Bank of China branch and tell the counter staff: “I’d like to apply for the Kimi–American Express–ABC tri-party co-branded card.”
  • Note: The KIMI Co-branded Credit Card (Premium Platinum Card) is an ABC premium card product. Please apply at an ABC branch.
• Learn more online: For the card application and more details, see the official introduction article. You can also visit the Kimi co-branded card page for benefits and the application entry point.

Application launch date: July 10, 2026. For more details about the application process and benefits, see the official introduction article.

For card application questions, call ABC customer service at: 400 669 5599.

1. Campaign Period

July 10, 2026 to September 30, 2026.

2. Eligible Participants

• Premium Platinum Card Opening Gift: Customers applying for the primary card of the Agricultural Bank of China KIMI Co-branded Credit Card (Premium Platinum Card) for the first time.

• New Customer Gift: New customers who, during the campaign period, apply for and successfully receive an ABC credit card account for the first time, with the card being the primary card of an Agricultural Bank of China KIMI co-branded credit card.

  Definition of “new customer”: A customer applying for and successfully receiving an ABC credit card account for the first time, including cardholders whose entire household account was closed before December 31, 2025.

3. Campaign Details

• Premium Platinum Card Opening Gift: During the campaign period, customers applying for the primary card of the Agricultural Bank of China KIMI Co-branded Credit Card (Premium Platinum Card) for the first time who use this card to make cumulative purchases of at least RMB 5,888 within the current month of card approval plus the following two calendar months will qualify to receive one card opening gift. The gift includes 1 KIMI co-branded NFC plush charm and 2 KIMI Allegretto monthly memberships.
• New Customer Gift: During the campaign period, new customers applying for the primary card of the Agricultural Bank of China KIMI co-branded credit card for the first time who make 3 purchases of at least RMB 18 each within the current month of card approval plus the following two calendar months will qualify to receive one new customer gift. The gift includes 1 KIMI co-branded NFC plush charm and 3 KIMI Andante monthly memberships.

4. Qualification and Redemption Code Collection

Purchase Calculation Period

Definition of “purchases within the current month of card approval plus the following two calendar months”: Purchases made from the card approval date through the end of that month and the following two calendar months.

Example 1: If a cardholder’s card is approved on July 10, 2026, the purchase calculation period is July 10, 2026 to September 30, 2026. Example 2: The campaign ends on September 30, 2026. If a cardholder’s card is approved on September 30, the purchase calculation period is September 30, 2026 to November 30, 2026.

Collection Notice and Validity Period

Cardholders who meet the purchase requirements will receive a redemption code collection notification SMS by the end of the month following qualification. Gift redemption codes must be collected by December 31, 2026. Failure to redeem by the deadline will be deemed an automatic waiver of the benefit.

New customers applying for the KIMI co-branded credit card will no longer be eligible for ABC’s “New Customer 1 Fen Purchase” campaign.

Redemption Code Collection and Viewing Paths

• Premium Platinum Card Opening Gift:

  • Collection path: ABC Mobile Banking App → Credit Card → Offers → New Customer Gift → KIMI Co-branded Card (Premium Platinum Card) Opening Gift
  • Viewing path: ABC Mobile Banking App → Credit Card → Offers → My Coupons → Vouchers

• New Customer Gift:

  • Collection path: ABC Mobile Banking App → Credit Card → Offers → New Customer Gift → KIMI Co-branded Card New Customer Gift
  • Viewing path: ABC Mobile Banking App → Credit Card → Offers → My Coupons → Vouchers

5. Rules for Using the KIMI Co-branded NFC Plush Charm Redemption Code

1. How to redeem: After collecting the redemption code for the KIMI co-branded NFC plush charm, the cardholder should click https://redeem-gifts-test.tsingglobal.com/ (this link is provided by Qingyinli (Beijing) Digital Technology Co., Ltd.) to enter the gift redemption page, enter the redemption code, fill in the name, mobile number, verification code, and shipping address, then click “Redeem Now” to complete gift collection. After the gift is claimed, the KIMI co-branded NFC plush charm will be shipped to the delivery address.
2. Order lookup: Users who have completed redemption can view order details directly after entering the redemption code again and passing verification.
3. Validity period: The redemption code is valid until December 31, 2026. Please complete redemption before this date. Unredeemed or unused redemption codes will automatically become invalid after expiry.
4. Customer service: The gifts and after-sales service for this campaign are provided and handled by the supplier Qingyinli (Beijing) Digital Technology Co., Ltd. (customer service hotline: 4006-196-136, service hours: 10:00–18:00). Any questions or disputes about the gifts, service, or quality of this campaign will be resolved by, and the responsibility of, Qingyinli (Beijing) Digital Technology Co., Ltd. If a customer and the supplier cannot reach an agreement, ABC will assist the customer in handling the matter.
5. Notes: During redemption, customers must provide personal information such as the delivery address and recipient’s mobile number. This information will be used only by Qingyinli (Beijing) Digital Technology Co., Ltd. to issue and ship the KIMI co-branded NFC plush charm to customers. Except where needed for complaint handling, the information will be deleted upon expiry.

6. Rules for Using KIMI Monthly Membership Redemption Codes

The two campaigns provide different tiers of Kimi monthly memberships: the Premium Platinum Card Opening Gift includes 2 KIMI Allegretto monthly memberships, and the New Customer Gift includes 3 KIMI Andante monthly memberships. Except for tier and quantity, the redemption, activation, and lookup methods are the same.

1. How to redeem: After collecting the monthly membership redemption code, the cardholder should click https://www.kimi.com/ (this link is provided by Moonshot AI Technology Co., Ltd.) to enter the Kimi web version, enter a mobile number and verification code to log in to the Kimi account, go to the membership page, click the redemption code entry point in the upper-right corner, enter the redemption code, and click “Redeem Now” to complete gift collection. After the gift is claimed, the membership benefits will be credited directly to the Kimi account linked to that mobile number. Mobile users can also tap the icon in the upper-left corner → user avatar → Settings page → My Gift Cards → redemption code entry point to redeem.
2. Membership activation:
   • Kimi web version/client: Click the personal avatar in the lower-left corner → Settings → My Gift Cards, then click “Activate” in the “Gift Cards Received” module to activate the redeemed membership.
   • Mobile App: Tap the icon in the upper-left corner → user avatar → Settings page → My Gift Cards, then tap “Activate” on the “Gift Cards Received” page to activate the redeemed membership.
3. Membership lookup:
   • Kimi web version/client: Click the personal avatar in the lower-left corner → Settings → Subscriptions and Invoices to view the current membership tier and validity period.
   • Mobile App: Tap the icon in the upper-left corner → user avatar → Membership Plan → Subscriptions and Invoices to view the current membership tier and validity period.
4. Redemption code validity: The redemption code is valid until December 31, 2026. Please complete redemption before this date. Unredeemed or unused redemption codes will automatically become invalid after expiry.
5. Membership activation and usage validity: Monthly membership redemption codes are valid for activation for 1 year from the date of collection. Once activated, the membership usage period is 1 month. If multiple memberships are activated, their validity periods will be extended sequentially. For membership usage methods and notes, see the Kimi official website.
6. Customer service: The gifts and after-sales service for this campaign are provided and handled by the supplier Moonshot AI Technology Co., Ltd. (customer service hotline: [email protected], service hours: 10:00–19:00). Any questions or disputes about the gifts, service, or quality of this campaign will be resolved by, and the responsibility of, Moonshot AI Technology Co., Ltd. If a customer and the supplier cannot reach an agreement, ABC will assist the customer in handling the matter.
7. Notes: During redemption, customers must enter a mobile number. This information will be used only to log in to the Kimi account and issue membership benefits. Except where needed for complaint handling, the information will be deleted upon expiry.

7. Other Campaign Rules

1. For qualifying requirements involved in cardholders’ participation in the campaign, the purchase time is based on the posting time in ABC’s system, and the purchase amount is based on the posted amount in ABC’s system. Purchases do not include cash withdrawals, repayments, instalments, cash advances, pre-authorisations, annual fees, interest, overdue penalty fees, handling fees, or similar items, nor do they include transactions with returns. If a completed transaction is returned during the campaign period, including a partial return, the returned amount will be deducted from the customer’s cumulative purchase amount. If a transaction made during the campaign period is fully or partially returned or cancelled after the campaign ends, causing a change in the customer’s purchase amount that affects qualification, ABC will accordingly cancel the customer’s eligibility for the prize. Qualifying transaction amounts for this campaign will be calculated according to the above campaign rules based on the equivalent RMB amount posted in ABC’s system. The exchange rate is based on the RMB central parity rate on the transaction date. This campaign does not provide grace-period or tolerance services. Customers in any of the following situations will be deemed not to have qualified:

   • No purchases made within the specified period;
   • Purchase amount within the specified period does not meet the requirement, including where the purchase amount falls short due to returns or similar issues.

2. If a cardholder fails to receive the collection notification because the correct mobile number was not reserved, the mobile number was changed by the cardholder, or for other reasons, or if gift collection fails because the cardholder did not collect the gift on time or for similar reasons, the cardholder will be deemed to have waived collection. If a credit card account that meets the campaign conditions becomes abnormal, such as overdue, frozen, payment-stopped, or cancelled, resulting in failure to grant the reward, the cardholder will be deemed to have automatically waived the campaign reward. If an eligible transaction is returned, ABC has the right to recover the coupon code.

3. If a cardholder has any questions about this campaign, please raise them before the campaign ends. During the campaign period, cardholders may call the ABC credit card customer service hotline at 40061-95599 for inquiries.

4. If, during the campaign validity period, the number of campaign prizes is insufficient to supply all winning customers due to gifts being removed from shelves or similar reasons, ABC will deliver substitute gifts with a value no lower than that of the original gifts.

5. Customers must not engage in profit-making activities such as distributing or reselling gifts, nor use technical means to unfairly snap up gifts or engage in other improper conduct. Otherwise, ABC has the right to revoke the customer’s eligibility to participate in the campaign and redeem gifts, and to require the customer to return any gifts already received.

6. Cardholders must keep their card status normal from the date of participating in the campaign. If a cardholder is involved in any of the following circumstances, their eligibility to participate in this campaign will be cancelled and any benefits received will be revoked: conducting fraudulent or illegal transactions; returns or cancellations of purchases that met the campaign conditions; abnormal status of the participating account, such as overdue, frozen, payment-stopped, or cancelled; or violation of the Agricultural Bank of China Golden Harvest Credit Card Articles, the Agricultural Bank of China Golden Harvest Credit Card Issuance and Use Agreement (Personal Card), or other relevant rules.

7. If force majeure events such as epidemics, earthquakes, or extreme weather cause delays in gift redemption or delivery, redemption and delivery of the gifts or substitute gifts with a value no lower than that of the original gifts will be postponed as appropriate based on actual circumstances.

8. Agricultural Bank of China Credit Card Center has the right, to the extent permitted by law, to interpret, amend, and change the terms and rules of this campaign, including but not limited to delaying or ending the campaign early. Such changes will take effect after announcement on the Agricultural Bank of China official website or other relevant channels. Cardholders are advised to stay informed.

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Support Guide

For issues with the bank card itself, contact ABC customer service. For issues related to Kimi membership, contact Kimi customer service.

• Issues with the bank card itself (such as annual fees, points, card status, bills, repayments, and application progress): Please contact Agricultural Bank of China customer service.
  • ABC credit card customer service number: 400 669 5599
• Issues related to Kimi membership (such as membership benefit details, redemption code redemption and activation, and membership lookup): Please contact Kimi customer service.
  • Customer service email: [email protected] (service hours: 10:00–19:00)

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FAQ

1. What is an AI-native credit card?

An AI-native credit card embeds Kimi membership, credits, and other core benefits into the credit card opening and points-based spending system. Through activities such as prompt courses and AI sharing sessions, it gives users a richer AI experience while applying for and using the credit card.

For the card application and more details, see: official introduction article.

2. What benefits does the co-branded card offer, and how can I apply?

• Card application and benefits entry point: Kimi co-branded card page (same as the application path in the ABC App).
• Campaign period: July 10, 2026 to September 30, 2026.
• Note: The KIMI Co-branded Credit Card (Premium Platinum Card) is an ABC premium card product. Please apply at an ABC branch.

For the card application and more details, see: official introduction article.

For more questions about applying for the card, you can also call ABC customer service at: 400 669 5599.

3. I’ve already opened the card. When can I claim the card opening gift?

From July 10, 2026 to September 30, 2026, customers applying for the primary card of the Agricultural Bank of China KIMI co-branded credit card for the first time during the campaign period who meet the purchase requirements within the current month of card approval plus the following two calendar months will have the chance to receive one card opening gift. Customers who meet the campaign requirements will also receive SMS reminders from ABC later.

Participation/collection path: Agricultural Bank of China App → Credit Card → Offers → New Customer Gift.

4. I already have a Kimi membership. Is the membership I receive after opening the card an additional benefit?

If you already subscribe to Kimi membership yourself, you have two options to ensure a smooth experience:

• The membership obtained from this card application does not conflict with your self-subscribed membership. If both are active at the same time, you can use “Switch Membership” to use the respective credits from both memberships within the current cycle.
• You can also cancel your self-subscribed membership first, then activate the membership obtained from this campaign after your self-subscribed membership expires, so you can extend your total membership usage time.

5. After the new membership system goes live, will the membership I receive be an old subscription plan or part of the new membership system?

The benefits you receive and redeem will not be affected. If you need a membership under the new system, you can subscribe separately. Switching subscriptions within the same account is also supported.

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Campaign Sources

• KIMI Co-branded Credit Card (Premium Platinum Card) Opening Gift Campaign - Agricultural Bank of China
• KIMI Co-branded Credit Card New Customer Gift Campaign - Agricultural Bank of China