"Service credits are the "currency" used across ArcGIS", source - Understand credits—ArcGIS Online Help | ArcGIS
This discussion started on twitter and was asked to be put on the GEOnet community for discussion. You can find the original tweet here
The idea would be similar to purchasing plane tickets at Southwest Airlines.com. You can purchase a ticket using your credit card or you can purchase a ticket using southwest points (in this scenario we'll call them ArcGIS Online credits, not points). For example, an app on the Marketplace would cost $500/year with credit card or 5000 credits/year.
I welcome more comments / thoughts / benefits etc. around this idea. Please feel free to discuss more amongst yourselves on this thread.
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