here is the information Abstract: In response to the evolving landscape of financial services and the growing needs of manufacturers and importers, this paper introduces an intelligent credit card system (ICCS). Designed to address the unique financial challenges faced by these sec-tors, the system employs blockchain technology and artificial intelligence (AI) to bolster security, transparency and operational efficiency. Through an extensive literature review, the paper establishes the necessity for innovative financial solutions, illustrating how traditional credit card systems fall short in meeting the specific demands of manufacturers and importers. The research outlines a comprehensive framework for the intelligent credit card system and evaluates the transformative potential of integrating blockchain and AI, resulting in enhanced security, improved credit assessment, streamlined financial operations, and promising opportunities for the future. Additionally, the paper addresses the ethical considerations surrounding data security and user adoption, offering solutions for challenges in system implementation. This paper offers a vital roadmap for industry stakeholders, underlining the advantages, challenges, and ethical considerations of implementing such a system in this context, while highlighting the potential for broader applications across sectors.