The landscape of credit card welcome incentives is undergoing a transformation, moving away from conventional offerings like luggage and coffee coupons towards innovative perks such as AI computing capabilities and memberships to large-scale model platforms. Since the latter half of 2026, a number of commercial banks have rolled out credit cards themed around AI technology, with the concept of "spending translates to computing power" transitioning from isolated initiatives by select financial institutions to a burgeoning battleground within the banking industry. Industry experts opine that, amidst a slowdown in credit card issuance, banks' move to revamp benefits centered around computing power signifies a sophisticated operational tactic aimed at catering to high-net-worth individuals. In the grand scheme of things, the success of these products in propelling significant growth in the credit card sector will hinge on how effectively banks incorporate AI technology into their day-to-day operations, streamline credit approval processes and intelligent risk management, and maintain consistent investment in constructing robust AI computing power ecosystems.