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What are the must-have attributes of each credit card? This is a corporate design, the payment system logo, a unique number displayed directly on the card, the cardholder’s name, and the expiration date. But have you ever wondered what stands behind the credit card number? Let's try to decipher this code.
A credit card number is a unique combination of numbers that stores vital information to ensure accurate transactions and fraud prevention. Certain digits or groups of digits in your card number reflect its specific characteristics. Let's look at the main building blocks of your credit card number.
Assigned in accordance with ISO/IEC 7812, credit card numbers may consist of 8 to 19 digits. Still, most credit cards have a unique 16-digit number stamped on the front. There are exceptions though: for example, some American Express cards have a 15-digit card number on the back.
There are times in life when you need to define the issuing bank by the card number. Say you need to transfer money to another person; knowing which bank the card belongs to, you can find out the size of the commission in advance.
Once you know the credit card number, it is quite easy to identify the issuing bank. Just enter the first six digits of your credit card number (IIN/BIN) in the field below and click the "Find" button.
With so many types of credit cards available in Canada, their numbers may differ significantly based on the payment network used and issuing bank. Let’s look through the common credit card number types.
A payment card network also referred to as a credit card network, is an organization that authorizes, processes, and regulates credit card transactions. Whenever you are making a purchase in-store or through an e-commerce website, you are requesting your bank to pay a merchant. The payment, in turn, goes through the payment network. Most globally accepted credit cards use such payment networks as MasterCard, Visa, and American Express.
An issuing bank is a financial institution and a member of the payment system that issues and services credit cards. Credit cards of the same type issued by the same bank for the same region commonly have the same IINs/BINs. Let’s see how credit card numbers differ across issuing banks in Canada.
TD Canada Trust offers a range of credit cards that process payments using the Visa card network. The IINs/BINs or the first six digits that you can find in TD credit cards are 452034 and 452071.
Royal Bank of Canada, or RBC, offers both Visa and Mastercard credit cards. RBC Visa credit card numbers may include the following IINs/BINs: 451013, 451015, 451223, 451401, and 451407. The common IIN/BIN for RBC Mastercard credit cards is 541590.
At BMO, you can find a wide range of Mastercard credit cards and a couple of Visa credit cards. BMO Mastercard credit card numbers may have IINs/BINs like 519123 and 519133.
CIBC provides both Mastercard and Visa credit cards. Here are the IINs/BINs that you can find in CIBC credit cards: 450003, 450065, 450220, 450228, 450231, 450330, 450440, 450551, and 450553. For CIBC Mastercard credit cards, the common IINs/BINs are 517759 and 526801.
Canadian Tire Corporation specializes in credit cards using the Mastercard payment network. The common IIN/BINs for Canadian Tire Mastercard credit cards are 544612 and 544614.
Although the length of credit card numbers may vary depending on the payment processing network, most cards have a 16-digit number. Still, there are cards like Mastercard with 15-digit numbers.
As a rule, the design of a credit card includes the bank's branding, a payment system logo, a unique number, the cardholder’s name, and an expiration date stamped directly on the card. In most cases, the bank chooses the background image on the card at its own discretion. In some banks, you can choose the design of the card yourself. The material commonly used to make credit cards is polyvinyl chloride plastic (PVC). Some premium cards may come in metal, though.
Today, there is a wide range of credit card options that differ in the intended use and benefits they provide. Let’s look through the common types of credit cards available in Canada:
Cash back credit cards enabling you to earn cash back dollars for your everyday purchases and redeem them towards merchandise, gift cards, or bank’s financial products and services
Rewards credit cards allowing you to earn points for making purchases in certain categories and redeem them for merchandise, gift cards, flights, and other rewards
Business credit cards allowing entrepreneurs to finance their everyday purchases while keeping personal and business expenses separate
Student credit cards providing favorable conditions like zero to low annual fees and reduced interest rates
Co-branded credit cards offered in partnership with merchants like retailers, hotels, or gas stations providing exclusive benefits and privileges
U.S. dollar credit cards allowing you to save on foreign currency transaction fees when making purchases in U.S. dollars
With a debit card, you use your own money stored on it when making payments and thus don’t have to worry about interest charges. A credit card allows you to borrow a bank’s money on the condition that you either return the amount you’ve spent within the established grace period or pay interest to the bank for using its funds.