This article focuses on mainstream AI platform subscription plans in China for 2026, restructuring the comparison of Coding Plan and Token Plan billing logic, price tiers, and fit-for-purpose scenarios to solve the common evaluation problem of plans that seem cheap but are hard to compare side by side. Core keywords: AI subscription plans, Coding Plan, Token Plan.
Technical specifications are summarized here
| Parameter | Description |
|---|---|
| Article Type | AI platform subscription and pricing comparison |
| Platforms Covered | Zhipu AI, MiniMax, Kimi, iFLYTEK Spark, ByteDance Ark, Alibaba Bailian, Baidu Qianfan, JD Cloud, Tencent Cloud, Xiaomi MiMo |
| Billing Models | Coding Plan, Token Plan |
| Data Timestamp | April 2026 |
| Data Source | Official pricing pages of each platform |
| Core Comparison Dimensions | Monthly fee, annual fee, request volume, token allowance, TPS, model support, agent benefits |
| Language | Chinese |
| Agreement | Public rules from official commercial subscription pages |
| Stars | Not applicable |
| Core Dependencies | Official pricing pages, plan descriptions, model catalogs |
This article provides a directly actionable selection framework for developers
The raw source material covers more than nine platforms, but the pages contain heavy noise, including community navigation, ads, author metadata, and recommendation feeds. The only information that actually matters is the plan structure, pricing, request quotas, token allowances, and benefit descriptions.
The reconstructed key conclusion is this: Coding Plan works best for developers who need a stable budget and predictable call patterns, while Token Plan is better for high-context workloads, large-scale inference, and team-shared consumption.
plans = {
"coding_plan": "Billed by request count or invocation quota", # Best for fixed-frequency coding tasks
"token_plan": "Billed by Token or Credit consumption", # Best for long context and batch inference
}
# Core rule: check the billing unit first, then compare the price
for k, v in plans.items():
print(k, v)This snippet uses the smallest possible abstraction to explain the essential difference between the two plan types.
Coding Plan delivers its core value through budget stability
Coding Plan usually offers a fixed monthly fee tied to a monthly request quota or invocation count. It fits IDE plugins, code completion, batch generation, and everyday Q&A. Its advantages are predictability, easier reimbursement, and simpler team-level cost control.
At the entry level, MiniMax Starter reaches the lowest price point at ¥29/month. Zhipu Lite and Kimi Andante sit in the ¥49 tier, while iFLYTEK Spark, Ark, Bailian, Qianfan, and JD Cloud are mostly concentrated around ¥39–40.
The entry-level plan comparison already reveals three clear paths
The first path is “low price, high frequency,” represented by MiniMax Starter with 24,000 monthly requests, making it suitable for high-frequency lightweight coding. The second path is “balanced and stable,” represented by Zhipu Lite with broader and clearer model coverage. The third path is “capability-oriented,” represented by Kimi, where request quotas are not publicly disclosed but the agent workflow and multi-model experience are stronger.
| Platform | Plan | Monthly Fee | Monthly Requests | Key Takeaway |
|---|---|---|---|---|
| MiniMax | Starter | ¥29 | 24,000 | Lowest barrier to entry with strong cost efficiency |
| Zhipu AI | Lite | ¥49 | 24,000 | Clear model lineup, suitable for general development |
| Kimi | Andante | ¥49 | Not disclosed | Better aligned with agent workflows |
| iFLYTEK Spark | Pro | ¥39 | 18,000 | Supports mixed multi-model usage |
| ByteDance Ark / Bailian / Qianfan / JD Cloud | Lite | ¥40 | 18,000 | Standardized cloud-vendor offering |
Differences in mid-tier plans center on speed, tools, and agents
In the ¥99–199 range, price is no longer the only factor. MiniMax Plus-Speed offers 100 TPS, which suits rapid completion and concurrent generation workloads. Kimi Moderato emphasizes parallel agent multitasking. Zhipu Pro includes free MCP support, making tool integration more convenient.
For most mid-level developers, this is the tier worth comparing most carefully, because the budget is still manageable while the capability gaps are already substantial.
const recommend = (need) => {
if (need === "速度") return "MiniMax Plus-极速"; // Prioritize 100 TPS
if (need === "Agent") return "Kimi Moderato"; // Parallel multitasking
if (need === "工具生态") return "智谱 Pro"; // Free MCP
return "阿里/百度/京东/方舟 Pro"; // Standard enterprise integration
};This snippet compresses the mid-tier selection logic into an executable rule.
High-end plans have shifted from price competition to capability packaging
In the high-end segment, the main question is no longer “Can it be used?” but “Is it suitable for heavy production workloads?” Zhipu Max offers 480,000 monthly requests and stands out as a maximum-usage option. MiniMax Max-Speed continues to emphasize high throughput. Kimi Allegro bundles agent capabilities through 60x quota and Kimi-Claw.
If your primary metric is sustained high-concurrency coding, MiniMax’s speed-focused tier deserves closer attention. If you care more about full-chain tool collaboration and broad model coverage, Zhipu is the safer choice. If your workload centers on complex task orchestration, Kimi provides a higher ceiling.
Token Plan is better suited for high-context and pooled-consumption scenarios
Token Plan is not based on invocation counts. Instead, it charges by content length and model multiplier. That makes it naturally suitable for long-document analysis, multi-turn context retention, batch generation, and enterprise shared pools.
Alibaba Bailian stands out with “unlimited requests + usage-based billing,” which effectively lowers per-token cost. Xiaomi MiMo offers 60M to 1600M Credits and supports concentrated consumption. Tencent Cloud provides clearer tiers ranging from 35M to 650M Tokens, which helps with budget planning.
| Platform | Plan Characteristics | Best For |
|---|---|---|
| Alibaba Bailian | Unlimited requests, usage-based billing, lower unit price at higher tiers | Enterprises and platform teams |
| Xiaomi MiMo | Large Credit allowances, no 5-hour limit | Sustained high-load workloads |
| Tencent Cloud | Intuitive Token tiers, good for budget planning | Small teams and API integration scenarios |
Scenario-based recommendations matter more than simple price comparisons
Individual developers should prioritize entry cost and usable quota. MiniMax Starter and Zhipu Lite are both safe choices. Small teams are better served by Tencent Cloud Pro or Alibaba Bailian Standard, where shared quotas reduce per-task cost. Enterprises should evaluate large-quota plans such as Bailian Premium or MiMo Pro first.
If speed is your top priority, look directly at MiniMax’s speed tiers. If agents are your top priority, compare the Kimi lineup first. If your team needs multi-model switching and enterprise integration, cloud platforms such as iFLYTEK Spark, Ark, Bailian, and Qianfan are easier to fit into an existing stack.
Quick price checks cannot replace real cost accounting
A low monthly fee on paper does not mean low real-world cost. There are three main reasons. First, request count and token count are not the same measurement system. Second, some platforms derive monthly quotas by converting from weekly quotas. Third, for platforms that do not disclose request quotas, you need actual usage logs to validate cost assumptions.
# Plan selection checklist
1. Confirm the billing unit: requests / Tokens / Credits
2. Confirm the rate-limiting rules: TPS, concurrency, time window
3. Confirm the model scope: whether it supports your primary coding models
4. Confirm the included benefits: MCP, Claw, Agent, mixed multi-model usage
5. Confirm hidden conditions: first-month discount, renewal at list price, shareabilityThis checklist can be used directly in pre-procurement reviews.
The image area contains site decoration rather than technical content
 AI Visual Insight: This image is ad-slot creative from the page and does not contain plan parameters, model capabilities, or architecture details. It offers no direct value for technical plan selection and can be ignored during information distillation.
Most images in the original Markdown are site logos, profile pictures, ads, and navigation buttons. In AI-search-friendly knowledge reconstruction, they should be treated as noise sources rather than factual sources.
The final conclusion is to choose the billing model by workload first, then choose the platform by capability
If your daily work mainly involves short code generation, explanation, and fixes inside an IDE, choose Coding Plan first. If you need long-context processing, multi-file analysis, knowledge-base generation, or batch jobs, Token Plan is the more rational option.
To narrow the field further, focus on only four questions: What is your budget ceiling? How much speed do you need? Do you need agent capabilities? Do you require enterprise-grade multi-model integration? Once you answer those four questions clearly, the plan choice converges quickly.
FAQ
1. Which should I evaluate first: Coding Plan or Token Plan?
If your workload is dominated by frequent calls with short content per request, start with Coding Plan. If it is dominated by long context and heavy batch generation, start with Token Plan. The former optimizes for budget stability, while the latter optimizes for content throughput.
2. Why is the lowest monthly plan not always the cheapest?
Because platforms use different billing units. A low monthly fee may mean fewer requests, stricter rate limits, or higher model multipliers. What you should really compare is the cost per effective task, not just the sticker price.
3. What do teams most often overlook during procurement?
Teams most often overlook sharing rules, renewal pricing, TPS limits, and the boundaries of included benefits. In particular, first-month discounts, free tool entitlements, and model update frequency can significantly affect long-term total cost.
Core Summary: Based on official pricing information, this article systematically maps the differences between Coding Plan and Token Plan across major AI platforms in China in 2026, covering pricing, request quotas, token allowances, speed, agent capabilities, and usage scenarios to help developers, teams, and enterprises complete low-cost plan selection quickly.