FakecreditcardAbout BIN 820196
BIN 820196 is listed as a RuPay Platinum credit card in India. Credit cards spend against a credit line that the cardholder repays later; interchange fees and fraud rules usually differ from debit cards. Platinum is a premium tier; the issuer sets the benefits and limits, but it ranks above the entry-level products.
The dataset does not name the issuing bank for this range. That is common for ranges that are new, private or used by processors on behalf of several banks.
India has 12,256 BINs in the dataset; among the 8,163 that name an issuer, the main networks are RuPay (54%), Visa (22%), Mastercard (13%), and 78% are debit. See the India BIN list or the India card generator.
RuPay number format for BIN 820196
| Starts with | 820196 (the BIN). First digit 8: healthcare and telecommunications |
|---|---|
| Length | 16 digits |
| Security code | 3-digit CVV on the back |
| Check digit | The last digit, calculated with the Luhn algorithm |
| Printed as | 8201 9643 8887 6036 |
When you test with this BIN, check that your form shows the RuPay logo, groups the 16 digits correctly and rejects numbers whose check digit is wrong. The generator creates as many numbers with this BIN as you need, with expiry dates and CVVs, as CSV, JSON or XML.
Nearby BINs
BINs just below and above 820196. Banks often hold consecutive ranges, so neighbours can be sister products of the same issuer.
Frequently asked questions
Which bank issued BIN 820196?
The dataset does not name an issuer for BIN 820196, only the country (India). The network is RuPay.
Is 820196 a debit or a credit card BIN?
It is recorded as credit, product level Platinum. Credit cards spend against a credit line that the cardholder repays later; interchange fees and fraud rules usually differ from debit cards.
How many digits does a card with BIN 820196 have?
RuPay card numbers have 16 digits, and the security code is a 3-digit CVV on the back. The first six digits are the BIN, the last digit is the Luhn check digit, and the digits in between identify the account.
Can I generate test card numbers with BIN 820196?
Yes. Open the generator with this BIN to create Luhn-valid numbers with expiry dates and CVVs for testing forms, validation and BIN-based rules. They are test data: not issued by any bank, linked to no account and declined by real payment systems.
Does a BIN tell me whether a card is valid?
No. A BIN describes a range of card numbers — network, issuer, country and product — not a particular card. Whether a card exists or can be charged is known only to the issuing bank. To check the format of a full number (length and check digit), use the card validator.
A BIN identifies the card network and the issuing institution only. It reveals nothing about an individual card, cardholder or account, and it cannot show whether a card exists or can be charged. Test numbers generated from a BIN are for development and QA only and are declined by every real payment system.
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BIN data: bin-list-data by Venelin Kochev (a lite version of binlookup.io), licensed under CC BY 4.0. Changes made by Fakecreditcard: issuer, brand and country names re-cased and standardized, spelling variants of the same issuer merged, malformed phone numbers and web addresses removed.