A credit card is a payment card used to make purchases, pay bills, etc. We use Credit Cards online on websites, mobile phones, or physically in department stores, hotels, airports, etc.
Credit cards have a spending limit called the Credit Limit. This limit dictates how much you can borrow from the credit card issuer and spend on purchases. You get a bill at the end of the billing period. You must pay the bill with real money within a stipulated time, called the credit period. Credit card issuers such as banks impose hefty fines when people fail to pay the due amount. It is one of the alternative ways the card issuer makes money out of credit cards. The other being a commission that the merchant pays on each transaction (generally 2%).
Visa & Mastercard are the two leading credit card issuers. The others being American Express (or AMEX), Diners Club, Discover, etc.
The first digit of the credit card represents the category or industry of the credit card issuer. Given below is a list of all MIIs.
|MII Digit Value||Category of Issuer|
|0||ISO/TC 68 and other industry assignments|
|2||Airlines and other industry assignments|
|3||Travel & Entertainment|
|4||Banking & Financial|
|5||Banking & Financial|
|6||Merchandising & Finance|
|8||Telecommunications and other industry assignments|
The first six digits of payment cards are unique for each financial institution that issues the credit card. Conversely, this IIN can be used to identify the type of card. The table below shows well-known allocations for IINs.
|Credit Card Issuer||Starts With (IIN Ranges)||Length (No. of digits)|
|American Express||34, 37||15|
|Diners Club - Carte Blanche||300, 301, 302, 303, 304, 305||14|
|Diners Club - International||36||14|
|Diners Club - USA & Canada||54||16|
|Discover||6011, 622126 - 622925, 644, 645, 646, 647, 648, 649, 65||16-19|
|InstaPayment||637, 638, 639||16|
|JCB||3528 - 3589||16-19|
|Maestro||5018, 5020, 5038, 5893, 6304, 6759, 6761, 6762, 6763||16-19|
|MasterCard||51, 52, 53, 54, 55, 222100 - 272099||16|
|Visa Electron||4026, 417500, 4508, 4844, 4913, 4917||16|
Digits seven to the second last of the credit card number denotes the account number for the card. The account number can be a maximum of 12 digits (depending on the length of the credit card number).
The last digit of the Credit Card, called its check digit, is calculated using Luhn Algorithm.
The number of credit cards to generate. You can create a maximum of 100.
The type(s) of credit cards to generate
The format of the output
Use our tool to generate credit card numbers for testing purposes. The generated credit card numbers also contain an expiration date and security code.
These are NOT valid credit card numbers. You cannot use them to make payments.
Follow these steps to generate fake JCB Credit Card numbers.