Credit Card Anatomy

  • 3 - cards such as American Express and Diners Club (travel and entertainments cards)
  • 4 - Visa
  • 5 - Master Card
  • 6 - Discover Card

American Express - The 3rd digit is the type of card. For American express, this is 37 and for diners club it is 38. The 4th number is the currency, numbers 5 to 11 is your individual account number, 12 to 14 represents your card number and 15 is the check digit.

Master Card - The 2nd and 3rd, 2nd to 4th, 5th, or 6th numbers represents the bank number. Numbers after the bank number up to the 15th number represent your individual account number and the 16th number is the check digit.

Visa - The 2nd through 6th are the bank number (your issuing bank), 7th through 12th or 15th are the account number and the 13th or 16th number is the check digit.

The check digit is used for error detection. It verifies the accuracy and validity of credit card numbers.


4. Expiration date of card represented by 2 digit month/2 digit year
5. Type of card logo - e.g. VISA, MASTERCARD
6. Your name


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