FakecreditcardReal BINs from banks in India
The generator above is preset with BIN 400782, a Visa debit range of ICICI Bank, Ltd. Pick another bank's BIN below to switch — each number keeps the BIN, gets random digits and a Luhn check digit, and comes with a random expiry date and CVV.
| BIN | Issuer | Network | Type · level | Use this BIN |
|---|---|---|---|---|
| 400782 | ICICI Bank, Ltd. | Visa | Debit · Platinum | Use |
| 418234 | HDFC Bank, Ltd. | Visa | Debit · Prepaid Corporate T&e | Use |
| 402142 | Axis Bank, Ltd. | Visa | Debit · Platinum | Use |
| 405265 | State Bank of India | Visa | Debit · Classic | Use |
| 222742 | Yes Bank, Ltd. | Mastercard | Debit · Prepaid Business | Use |
| 401375 | Canara Bank | Visa | Debit · Classic | Use |
| 415202 | Bank of Baroda | Visa | Debit · Classic | Use |
| 516989 | Bank of India | Mastercard | Debit · Prepaid | Use |
| 502801 | Nutan Nagarik Sahakari Bank | RuPay | Debit · Classic | Use |
One BIN per bank — the most common Visa or Mastercard product of each of the largest issuers, plus local-network BINs. All 8,163 BINs with a named issuer are in the India BIN list.
Local card networks in India
Besides the international networks, India has its own card scheme. Local networks matter for testing because their numbers often use prefixes that a Visa/Mastercard-only form rejects or labels wrongly.
| Network | About | BINs | Share | Example BIN |
|---|---|---|---|---|
| RuPay | the domestic network run by the National Payments Corporation of India (NPCI) | 6,791 | 55% | 502801 Nutan Nagarik Sahakari Bank |
Card networks and card types in India
Our BIN data lists 12,256 BINs registered to India, 8,163 of them with a named issuer across 493 banks. The largest network is RuPay with 55% of the ranges, followed by Visa (17%). Debit ranges outnumber credit ranges 9,462 to 2,794. 1,367 ranges are prepaid or gift products and 674 are business, corporate or commercial cards.
| Network | BINs | Share | Debit | Credit |
|---|---|---|---|---|
| RuPay | 6,791 | 55% | 6,258 | 533 |
| Visa | 2,116 | 17% | 1,302 | 814 |
| Mastercard | 1,217 | 10% | 690 | 527 |
| Maestro | 574 | 5% | 574 | 0 |
| JCB/RuPay | 496 | 4% | 304 | 192 |
| American Express | 299 | 2% | 12 | 287 |
| Local brand | 276 | 2% | 275 | 1 |
| Diners Club | 217 | 2% | 2 | 215 |
Most common product levels: Classic (4,329), Platinum (1,346), Standard (847), Prepaid Platinum (433), Prepaid (374).
Largest card issuers in India
The 10 banks with the most BINs in the data, out of 493 named issuers. Each bank with ten or more BINs has a page listing all of them.
| Issuer | BINs | Main network | Debit |
|---|---|---|---|
| ICICI Bank | 919 | RuPay | 89% |
| HDFC Bank | 801 | RuPay | 83% |
| Axis Bank | 774 | RuPay | 84% |
| State Bank of India | 476 | RuPay | 91% |
| IDBI | 416 | RuPay | 99% |
| Yes Bank | 374 | RuPay | 86% |
| Canara Bank | 182 | RuPay | 80% |
| Bank of Baroda | 174 | RuPay | 84% |
| Bank of India | 173 | RuPay | 89% |
| Union Bank of India | 171 | RuPay | 77% |
Payment testing notes for India
- Currency: INR (Indian rupee). Most gateway APIs expect amounts in the smallest unit, for example 1050 for 10.50.
- Card country: fraud rules often compare the BIN country (IN) with the shopper's IP address and billing address. Generate numbers with a BIN from India to test the domestic path, and with a foreign BIN to test cross-border rules.
- Debit vs credit: 77% of the BINs from India are debit ranges. If your checkout treats debit differently (fees, installments, recurring billing), test with a BIN of each type from the table above.
- Domestic online card payments need an additional factor of authentication under RBI rules, usually a one-time password through 3-D Secure.
- Merchants may not store full card numbers: RBI card-on-file tokenization rules apply since October 2022.
Generated numbers only pass format checks: network prefix, length and the Luhn checksum. They are not issued by any bank in India, carry no money and are declined by every real payment system — use them for forms, validation and BIN rules, and switch to your gateway's documented test cards for approvals and declines.
← Generators for other countries · India BIN list · BIN generator · BIN checker
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.
Frequently asked questions
Can I generate a India credit card number for testing?
Yes. The generator on this page starts every number with a real BIN registered to a bank in India — by default 400782 (ICICI Bank, Ltd, Visa debit). The remaining digits are random and the last one is a Luhn check digit. No bank issued the number, so it carries no account and real payments with it are declined.
Which card networks are most common in India?
By BIN count in our data: RuPay 55%, Visa 17%, Mastercard 10%, Maestro 5%. Local networks: RuPay (6,791 BINs). Debit ranges make up 77% and credit ranges 23%.
Which BINs do Visa cards from India start with?
Examples from different banks: 400782 (ICICI Bank, Ltd.); 418234 (HDFC Bank, Ltd.); 402142 (Axis Bank, Ltd.); 405265 (State Bank of India). See the India BIN list for every bank.
Which currency should I use to test payments from India?
INR (Indian rupee). Gateway APIs usually expect amounts in the smallest unit (for example 1050 for 10.50). A card from any country can pay in any currency the merchant supports; the issuer handles conversion.
Will these numbers pass a payment gateway?
They pass format checks — length, network prefix and the Luhn checksum — so they are ideal for testing form validation and BIN-based rules. Gateways in test mode want their own documented test cards for approvals and declines; in live mode every generated number is declined because no bank has issued it.