Generate valid test credit card numbers with all the required details such as Name, Address, Expiry Date, Money, PIN code, and CVV code.



What is a Credit Card Generator?

A Credit Card Generator is a tool that generates valid credit card numbers for testing and development purposes in the programming, education, and code development fields.

It is important to note that these credit card numbers are not real and cannot be used to make actual purchases. They are, however, used for testing payment processing systems or for development purposes.

If you need a real credit card number for making actual purchases, we recommend that you use a reputable financial institution such as a bank or credit card company and apply for a credit card. VCCGenerator is NOT a financial institution and does not issue real credit card numbers.

Before submitting your credit card application, thoroughly explore the best credit card offers, including balance transfer, cashback, and reward programs.

How does a Credit Card Generator work?

A Credit Card Generator generates random virtual credit card numbers based on the Bank Identification Number (BIN) using the Luhn Algorithm. The Luhn Algorithm is also known as the Modulus 10 or Mod-10 algorithm.

We always follow the rule of the Luhn Algorithm while generating credit card details. The credit card generator tool works similarly to how credit card issuers make their cards.

To use the Credit Card Generator, simply select the BIN or enter the BIN in BIN Generator you want to generate a number for and click on the "GENERATE" button. The tool will generate valid credit card numbers that you can use for testing or development purposes.

You can check available credit/debit card Bank Identification Number (BIN) details using our BIN Checker tool to identify the card-issuing details that issued the card.

What are the uses of a Credit Card Generator?

There are many different uses for the Credit Card Generator tool. Some of the most common uses are:


A credit card generator can be used to prototype and test various scenarios. For example, if you're a developer working on a new payment system, you can use a credit card generator to test out the system.

Sometimes, developers will use real credit card numbers to test their systems. However, this can be risky as it may result in actual charges being made to the card. Using a credit card generator is a much safer way to test payment systems.


Credit card generators can also be used for educational purposes. For example, students studying programming or computer science can use a credit card generator to better understand how credit card numbers work.

Similarly, students studying mathematical algorithms can use a credit card generator to better understand how the Luhn Algorithm works.

Code Development:

The Credit Card Generator tool can be used by coders to develop and test various aspects of their code. For example, a coder working on an e-commerce site can use the tool to generate random credit card numbers to test the site's payment processing system.

Similarly, a coder working on a new algorithm can use the Credit Card Generator to generate test data. This data can then be used to verify that the algorithm works as intended.

Issuer Identification Number (IIN) Table

The first digit of any credit card number is called the Major Industry Identifier (MII). And the initial six or eight digits of a credit card number (including the first MII digit) are known as the Issuer Identification Number (IIN).

Bank Identification Numbers (BINs) are more commonly referred to as Issuer Identification Numbers (IINs). This is because cards can be issued by institutions other than banks.

The Issuer Identification Number (IIN) identifies the card issuing institution that issued the card to the cardholder. The card issuer allocates the rest of the number. The card number's length is its number of digits. Several card issuers print the complete IIN and account number on their card.

You can quickly identify the credit cards in the Major Industry. To better understand the Major Industry Identifier (MII) and Issuer Identification Number (IIN), you can check out the below table.

American Express34, 3715
Bankcard5610, 560221 – 56022516
China T-Union3119
China UnionPay6216 - 19
Diners Club enRoute2014, 214915
Diners Club International3616 – 19
300 – 305, 3095, 38 – 3916 - 19
Diners Club United States & Canada54, 5516
Discover Card6011, 644-649, 6516 – 19
622126–622925 (China UnionPay co-branded)16 – 19
UkrCard60400100 – 6042009916 – 19
RuPay60, 65, 81, 82, 50816
353, 356 (RuPay-JCB co-branded)16
InterPayment63616 - 19
InstaPayment637 – 63916
JCB3528 – 358916 - 19
Laser6304, 6706, 6771, 670916 - 19
Maestro (UK)6759, 676770, 67677412 - 19
Maestro5018, 5020, 5038, 5893, 6304, 6759, 6761, 6762, 676312 - 19
4571 (Visa co-branded)16
Mir2200 – 220416 – 19
NPS Pridnestrovie6054740 – 605474416
Mastercard2221 - 272016
51 – 5516
Solo6334, 676716, 18, 19
Switch4903, 4905, 4911, 4936, 564182, 633110, 6333, 675916, 18, 19
Troy65 (Discover co-branded), 979216
Visa413, 16
Visa Electron4026, 417500, 4508, 4844, 4913, 491716
Verve506099–506198, 650002–650027, 507865-50796416, 18, 19
GPN1, 2, 6, 7, 8, 916

You can validate any credit/debit card details using the credit card validator tool to get more information about Card Issuer, Country, Card Type, Luhn Validation, Checksum Validation, and Bank Identification Number (BIN) details.

Features of a Credit Card Generator

The Credit Card Generator tool comes with several features that make it very useful. Some of the most popular features are:

  • Supports all major credit card types: The tool supports all major credit card types, including Visa, Mastercard, American Express, JCB, Discover, Diners Club, and more. This makes it very versatile and useful for a variety of purposes.
  • Allows you to select the BIN: You can select the BIN (Bank Identification Number) of the credit card. This allows you to generate numbers that are specific to a particular card issuer.
  • Allows you to enter the BIN: You can also enter the BIN of the credit card. This is useful if you want to generate a specific type of credit card number. (Use BIN Generator to enter the BIN.)
  • Generates random valid credit card numbers: The tool can generate random valid credit card numbers. This is very useful for testing and development purposes. These numbers can be used to test various aspects of code or systems.

Frequently Asked Questions (FAQs)

Below are answers to some commonly asked questions about VCCGenerator and how it works. If your question isn't answered here, please visit our FAQ page or feel free to contact us for more information.

1. Will I have to pay anything to use VCCGenerator?

No, our service is completely free of charge. You can use our free credit card generator tool to generate test credit card numbers, and you can use all of our other tools at no cost.

2. Can I make purchases using these credit card details?

No, you cannot. These are only for testing and development purposes. Any purchase would not be completed either as the numbers do not come with a valid expiration date, cardholder's name, and CVV numbers.

3. Is it legal to use VCCGenerator's Credit Card Generator?

Yes, online credit card generators have plenty of legal uses, creating fake credit card numbers is only allowed if the resulting information will not be used for malicious activities such as fraud and scams.

4. How to generate PayPal test credit card numbers?

To receive free testing credit card numbers for PayPal and other E-Commerce related purposes, simply select the BRAND, COUNTRY, and BANK from the list provided and hit the GENERATE button. The test credit card number will be generated instantly.

5. How to use a credit card generator for USA?

If you want to generate credit card details for the United States of America, first select the BRAND and then your COUNTRY from the drop-down menu as the United States. After that, locate the desired BANK in our list and click on GENERATE. Some of the most popular banks located in America are Chase Bank, Citi Group, Bank of America, Wells Fargo, U.S. Bancorp, Truist Bank just to name a few.

6. How to use a credit card generator for UK?

You can generate a United Kingdom credit card by selecting your BRAND from the options of Visa, Mastercard, American Express, and more. Then, select your COUNTRY as the United Kingdom from the drop-down list provided. After that, you will need to select a UK-based bank listed in the section below labeled BANK. The most popular banks located in the United Kingdom are HSBC Holdings, Barclay’s PLC, Royal Bank of Scotland, Standard Chartered PLC, Santander UK, etc.

7. How to use a credit card generator for India?

To generate valid test credit card numbers for India, simply select the BRAND from the drop-down menu (Visa, American Express, Mastercard, RuPay, etc.). Next, choose INDIA as your country and then select your BANK. The most popular banks in India are the State Bank of India (SBI), ICICI Bank, HDFC Bank, Axis Bank, Kotak Mahindra Bank, IndusInd Bank, etc.