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 8,158 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. Its numbers often use prefixes that a Visa/Mastercard-only form rejects or labels wrongly, so test them on purpose.
| Scheme | Card numbers start with | Length | Online | About |
|---|---|---|---|---|
| RuPay National Payments Corporation of India (NPCI) |
60, 65, 81, 82, 508 | 16 | Yes | India's domestic card scheme for debit, credit and prepaid cards; RuPay credit cards can also be linked to UPI. They overlap other networks: 81000000-81719999 is UnionPay per Discover's official IIN summary, so RuPay's 81 use starts above that (the open bin-list data has RuPay BINs from 8172), and RuPay's 65 sits inside Discover's 6440-6589 range (RuPay is a Discover alliance partner). Razorpay's RuPay test card starts 6527. RuPay-JCB co-branded cards use 353 and 356; RuPay is also accepted abroad through network alliances such as Discover. Source |
BIN counts for local networks in our dataset:
| 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, 8,158 of them with a named issuer across 486 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. Visa ranges outnumber Mastercard 1.7 to 1. 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 486 named issuers. Together, ICICI Bank, HDFC Bank and Axis Bank issue 31% of the ranges that name a bank. 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 authentication: Domestic online card payments need an Additional Factor of Authentication (usually an OTP); RBI's Authentication Mechanisms for Digital Payment Transactions Directions, 2025 (in force 1 April 2026) keep two-factor authentication with at least one dynamic factor for card-not-present payments. Since 1 October 2022 merchants and gateways may not store card numbers: saved cards must be network tokens (card-on-file tokenisation). Source
- Card country: Many risk engines flag a mismatch between the card's issuing country (IN), the IP address and the billing country. Test both: a local BIN from the table, then a BIN from another country.
- Debit vs credit: At 77% debit ranges, India is more debit-heavy than 54 of the 62 other countries on this site. Debit and credit often follow different rules for refunds, installments and recurring billing, so cover both types.
- Billing details: postcodes in India are 6-digit PIN code (may be written as 3 + 3 digits) (e.g. 110001); phone numbers use +91 — 10-digit mobile number after +91 (national trunk prefix 0). Generate India test addresses.
Paying online in India: local methods and gateways
Cards are only part of the picture. These payment methods are popular in India and usually sit next to the card form at checkout:
- UPI (Unified Payments Interface) (bank transfer) — NPCI's instant real-time account-to-account system, used through apps such as BHIM, PhonePe and Google Pay and authorised with a UPI PIN. Source
- Net banking (bank transfer) — Indian gateways offer bank redirect (net banking) checkout alongside cards and UPI; PayU's sandbox has a test net-banking login. Source
- Wallets (e.g. Paytm) (wallet) — Prepaid wallets such as Paytm are offered as a payment mode by Indian gateways, with test wallet credentials in PayU's sandbox. Source
Payment gateways developers commonly integrate for India, with their official sandbox docs:
| Gateway | About | Test cards |
|---|---|---|
| Razorpay | Major Indian gateway supporting cards (incl. RuPay), UPI, net banking and wallets; publishes test card numbers incl. a RuPay test card. | Razorpay test cards |
| PayU India | Long-standing Indian gateway; its test page lists RuPay, Amex, UPI, net banking and wallet test data. | Official docs |
| Cashfree Payments | Indian gateway with a sandbox covering cards, net banking, UPI, wallets, EMI and Pay Later. | Official docs |
Card generators for other countries
← 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 an India credit card number for testing?
Yes: the default prefix is 400782, a Visa debit range of ICICI Bank, Ltd. The generator adds random digits and a Luhn check digit, plus an expiry date and CVV. Nothing is attached to them, so any real charge is 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). Shoppers with cards from India can still be charged in other currencies; their bank converts the amount.
Do these India card numbers work for payments?
No. They start with real BINs from banks in India such as ICICI Bank, but no bank issued them: no account, no money, no cardholder. Every real purchase, free trial or card check declines them. To pay online, use a virtual or prepaid card from your bank or a wallet such as Wallets (e.g. Paytm). Testing a checkout? Use your gateway’s sandbox test cards.
What does a RuPay card number look like?
RuPay numbers start with 60, 65, 81, 82 and 508 and have 16 digits with a Luhn check digit. India's domestic card scheme for debit, credit and prepaid cards; RuPay credit cards can also be linked to UPI. They overlap other networks: 81000000-81719999 is UnionPay per Discover's official IIN summary, so RuPay's 81 use starts above that (the open bin-list data has RuPay BINs from 8172), and RuPay's 65 sits inside Discover's 6440-6589 range (RuPay is a Discover alliance partner). Razorpay's RuPay test card starts 6527. Make sure your card form accepts these prefixes instead of rejecting them as an unknown brand.
Which payment methods should a checkout for India offer next to cards?
UPI (Unified Payments Interface): NPCI's instant real-time account-to-account system, used through apps such as BHIM, PhonePe and Google Pay and authorised with a UPI PIN. Net banking: Indian gateways offer bank redirect (net banking) checkout alongside cards and UPI; PayU's sandbox has a test net-banking login. Wallets (e.g. Paytm): Prepaid wallets such as Paytm are offered as a payment mode by Indian gateways, with test wallet credentials in PayU's sandbox.