Credit Cards

MasterCard Cashback Credit Cards

2010-02-15T01:14:00.001-08:00

Your Standard Chartered MasterCard Cashback Credit Card combines the global acceptability of MasterCard with amazing Cashback rewards.
This revolutionary card promises you the most attractive and transparent rewards program in Pakistan; guaranteed Cashback on fuel, groceries and all other retail expenditures, absolutely anywhere in Pakistan! Plainly, this credit card is committed towards reducing the burden of your monthly expenses by ensuring that you save and gain every time you spend.

Fuel: You can go to any fuel outlet in Pakistan to purchase fuel, lubricants, car-servicing, etc. and get an instant 5% Cashback on your transactions.Each month you can avail 5% Cashback on up to PKR 20,000 of fuel transactions, implying that you can save up to PKR 1,000 on fuel each month! Use your MasterCard CashBack Credit Card to save a maximum of PKR 12,000 on fuel related transactions every year! With the MasterCard CashBack, life was never this rewarding.
Supermarket: In addition to your Cashback rewards on fuel, you can also avail Cashback rewards at Supermarkets. You can go to any supermarket in Pakistan to buy groceries, detergents, toiletries, etc. and get an instant 5% Cashback on your transactions. Each month you can avail 5% Cashback on up to PKR 20,000 of supermarket transactions. Simply put, you can save up to PKR 1,000 on groceries every month!
Retail Transactions: Just when you think that the SCB Cashback Credit Card is just too good to be true, it gets even better. In addition to the PKR 2,000 that you can save each month on your fuel and grocery transactions, you will also get 1% Cashback on all other retail transactions. Whatsmore, this category has no upper monthly limit! All, so you can enjoy unlimited Cashback for life!

MasterCard Titanium Credit Cards

2010-02-15T01:13:00.000-08:00

The Standard Chartered MasterCard Titanium Credit Card is a value-added and distinctive credit card, uniting the exclusive privileges of MasterCard with never seen before Cashback benefits, guaranteed to help you manage your expenses in the most cost effective manner.

No matter where you are in the world, the premium MasterCard Titanium Credit Card allows you to enjoy round-the-clock travel and entertainment support with the vibrant Concierge Service program. All so you can relish personalized customer service as well as travel, dining and a host of other dynamic MasterCard benefits, truly befitting of your life status. Cashback Rewards:
Fuel: You can go to any fuel outlet in Pakistan to purchase fuel, lubricants, car-servicing, etc. and get an instant 5% Cashback on your transactions.Each month you can avail 5% Cashback on up to PKR 20,000 of fuel transactions, implying that you can save up to PKR 1,000 on fuel each month! Use your MasterCard Titanium Credit Card to save a maximum of up to PKR 12,000 on fuel related transactions every year! With the MasterCard Titanium, life was never this rewarding.
Supermarket: In addition to your Cashback rewards on fuel, you can also avail Cashback rewards at Supermarkets. You can go to any supermarket in Pakistan to buy groceries, detergents, toiletries, etc. and get an instant 5% Cashback on your transactions. Each month you can avail 5% Cashback on up to PKR 20,000 of supermarket transactions. Simply put, you can save up to PKR 1,000 on groceries every month!
Retail Transactions: Just when you think that the SCB Titanium Credit Card is just too good to be true, it gets even better. In addition to the PKR 2,000 that you can save each month on your fuel and grocery transactions, you will also get 1% Cashback on all other retail transactions. Whatsmore, this category has no upper monthly limit! All, so you can enjoy unlimited Cashback for life!

Standard Chartered VISA Platinum Credit Card

2010-02-15T01:12:00.002-08:00

The SCB VISA Platinum is more than just a credit card. It’s a lifestyle, guaranteeing you an unparalleled level of service wherever life takes you.

The Standard Chartered Platinum Credit Card is offered in two variants:

1. Standard Chartered VISA Platinum Credit Card

2. Standard Chartered VISA PIA Platinum CoBrand Credit Card

1. VISA Platinum: The Standard Chartered Visa Platinum Credit Card symbolizes your success and encourages you to enjoy it. This premium product is equipped with a vast array of exclusive services especially designed to complement your lifestyle. With the VISA Platinum Credit Card, enjoy personalized customer service, exciting offers and a world of exciting offers. Benefit from unmatched discounts and concierge facilities in a vast array of travel, dining and hotel-related avenues. Take advantage of an unrivalled Rewards program and earn 5 Reward Points for every PKR 200/- that you spend. Redeem your reward points for any gift of your choice from our Treasures catalogue through the VISA Platinum Credit Card. You can now enjoy a comprehensive reward program that allows to you to redeem your reward points for exceptional gift items and much, much more. As a VISA Platinum Credit Card holder, you can also utilize your reward points as Airmiles. These Airmiles can be redeemed for free tickets from absolutely any airline to a destination of your choice! So whether you choose to redeem your reward points for gift items in the Treasures Catalogue or use them as Airmiles to purchase free tickets, the Platinum experience ensures you avail the best that life has to offer.

2. VISA PIA CoBrand Platinum: In addition to all the benefits of the Platinium Credit Card, the VISA PIA CoBrand Platinum offers an exclusive range of travel privileges with PIA's frequent flyer program; PIA Awards +Plus. 15% Savings on PIA Tickets: Enjoy unmatched savings on international as well as domestic airfare. When you use your SCB VISA PIA CoBrand Platinum Credit Card to purchase your PIA Ticket from any one of PIA Booking Offices or PIA Reservation Counters, you will save 15% on the ticket’s airfare. Complimentary PIA Awards +Plus Membership: You shall receive a Diamond Awards +Plus Membership Card absolutely free with your SCB VISA PIA CoBrand Platinum Credit Card. As a Diamond Award +Plus Cardholder, you are entitled to the following special benefits and many, many more: Earn 50% Bonus Airmiles on all PIA Trips Earn an additional 10% Airmiles on Economy Plus Class PIA Flights Earn an additional 25% Airmiles on Business Class PIA Flights Complimentary access to CIP lounges in Karachi, Lahore and Islamabad airports Airmile Redemption & Rewards You can now redeem your Airmiles against Free Tickets, Class Upgrades, Excess Baggage and a host of other exciting PIA Rewards.

credit

2010-02-15T01:12:00.001-08:00

Welcome to the world of UBL Credit Cards, the most exciting and vibrant credit card brand in Pakistan. We offer you a range of innovative and exciting cards that is not only powered by the security of chip but also enable you to personalize it any way you want. In order to get more information on our credit cards range, click on the following cards:

Welcome to Pakistan Credit Cards

2010-02-15T01:11:00.004-08:00

Best Pakistan Credit Cards
These days’ best and secure credit cards are used more and more by people all over the world as well as in Pakistan than previous days. The credit cards issuers and banks of Pakistan are promoting new cards with new offers and packages making more use of secure credit cards every single day. But with that a problem starts that is “which card should be purchased” as there are many cards in the market with different types, packages and offers. This makes people a little confuse to make a right choice. Here at this point you need a sincere professional advice and guide so you can make the right choice and purchase the best credit card that fulfills your requirements.
Pakistancreditcards.com is the online leading guide source for secure credit card purchase. We provide you with the tools and information to make choosing and applying for a credit card as simple and as easy as possible. With our wide selection of credit card offers and the most competitive rates and rewards, you are sure to find the right card for you. We constantly update our site to provide the best credit card deals online.

Pakistan Credit Cards Type
Here is the complete list of all credit cards types that are used in Pakistan now days.

Balance Transfer Card
Instant Approval Card
Business Credit Card
Student Credit Card
Prepaid & Debit Card
Credit Card Specials
Reward Credit Cards i.e. Cash Back, Points, Gas, Airline, Hotel & Travel, Financial, Sports cards

Pakistan Credit cards issuer’s and banks
Following are the Banks and issuer’s of Credit cards in Pakistan.

Allied Bank
American Express
Bank of America
Citibank N.A.
Habib Bank Ltd.
Muslim Commercial Bank
National Bank
United Bank Limited
HSBC Bank
Standard Chartered Bank

Apply online for Pakistani credit cards
After making credit card offers comparison and selection of card you need to apply for it so after credit card confirmation process you can purchase it. If you need any help about how to make a credit card you can check out our “How To Make Credit Card Online” page for further help and guide.

Internet Based Merchant Account Casino, Web Merchant Account Casino

2010-02-15T01:11:00.003-08:00

For every business it is essential to totally control company's sales and cash flow. Since running online business projects has become very widespread today, there should be special system that can watch all credit card transmissions and keep it in the security. As there are different businesses in various spheres diverse merchant account services exist. Thus, if you are involved into the gaming industry, look for casino merchant account, which is a great solution for casinos, lottos and so on.

No matter where do you live, because these Internet based merchant account casino services are provided worldwide. So, if your gaming business requires security and confidential service, competitive and easy-to-use one make your choice in favor of casino merchant account. This service is completely offshore and operational within 24 hours.

Depending on the individual needs of your business you can choose different banking services offered by travel merchant account casino, yahoo casino merchant account or web merchant account casino. Browse into the netbrandsite.com to find out the detail of this or that service to choose most appropriate solution and, thus, to obtain benefits.

Travel Merchant Account Casino, Yahoo Casino Merchant Account

It is well-known that the most popular cards are Visa and Master Card, with casino merchant account offshore it is possible to make your sport book be able to accept these kinds of cards. Choosing casino merchant account, Internet based merchant account casino, travel merchant account casino, yahoo casino merchant account or web merchant account casino you are able to get benefits from such features as billing and accounting online, 48 hours of setup and approval, unlimited offshore U.S. Processing, virtual terminal and competitive fees.

The rates are available with discounts; as for transaction charge and period when money is paid you'd ask your provider. Follow our guidance whether you are interested not only in casino merchant account, but also in such types as adult, telemarketing, travel and others merchant account solutions. Find peculiar distinctive features of different merchant accounts, read testimonials, tips, which can be of help when you need to make decision.

TeleMarketing Merchant Account

2010-02-15T01:11:00.001-08:00

Among all existing merchant accounts TeleMarketing merchant account should be definitely mentioned. If you need to get merchant account for Internet, mail, phone order transactions choose the most right way, that is services offered by e-commerce merchant account. Merchant account TeleMarketing refer to that kind of accounts, which many banks consider to be of high level of risk. Such kinds as pharmacy merchant account, travel merchant account, adult merchant account as well as merchant TeleMarketing account also enter into the same group.

So, if you want to obtain TeleMarketing merchant account offshore high risk merchants can provide you with such services. Their aim is to work with these high risk merchant accounts that bank will hardly deal with and they provide services to Canadian, US and International entities. Merchant account TeleMarketing can be accepted with approval rate 99% and with unlimited amount of transaction.

Merchant TeleMarketing Account

Choosing merchant TeleMarketing account you are provided with the following: fast approved period and transactions funding (2-5 business days), 48 hours period of offshore incorporation, well-done management applications, detailed assistance throughout the application process, ability to obtain customer service 24/7/365 whether by means of live chat with operator or by e-mail, technical support.

Interacting with high risk merchant accounts as for TeleMarketing merchant account you can be also provided with a merchant retail account to be able to accept at discount price all major credit cards and bank ATM debit cards. If you are retail, Internet or phone order merchant you are able to get the following processing options: Internet processing, Credit card terminals, and ACH Check processing. Internet processing is a virtual terminal for e-commerce transactions, Credit card terminals are availability of many choices including wireless terminals, ACH check processing is meant for US checks processing, checks by phone, check collection and guarantee checks.

Get to know more about merchant account TeleMarketing and other different types of accounts, their features and options. Browse into our guidance to read the articles to be able to find the most appropriate variant for you.

Alpena Merchant Accounts

2010-02-15T01:10:00.000-08:00

For those who are interested in merchant's accounts it is useful to find out more about Alpena merchant accounts and how can one benefit from it greatly. It is a nice chance to update your online business and, thus, to meet the requirements of clients.

Alpena merchant account allows you to obtain significant savings on one's credit card processing fees. If you are looking for low rates and efficient services, you'd better to deal with Alpena. Processing and transactions are available with discounts and also deep discounts are possible on credit card terminals.

Merchant account Alpena is also preferable since it is approved fast, in 48 hours, due to the fact that one gets “priority" status, if needed. Merchant Alpena account allows you to use wide scope of features, like usage of a wireless terminal, accept of credit cards online, swipe of credit cards, creation of recurrent billing, debit cards transaction, availability of pre-approved checks, special rewards for frequent buyers, gift cards and so on.

Merchant Alpena Account

The process of application is simple and consists of three steps only. When you apply for merchant account Alpena you get quick approval, as it was mentioned already, customer support available 24/7/365, “priority" status, most affordable rates among other merchant accounts and, of cause, possibility to obtain support in any of 140 languages and dialects. Just find some minutes in order to carry out application process in order to accept your credit card fast.

US Credit Cards: Get the Right US Credit Card for You

2010-02-15T01:09:00.000-08:00

As the most advanced credit card market, it is unsurprising that USA boasts the widest range of credit cards in the world.

In the US credit card companies deal separately with consumers with various types of credit history. The major categories in this context are excellent credit, bad credit, good credit, no credit history and fair credit. The prevailence of American credit cards assists consumers to manage their expenses, and if used properly can be a time saver. Unfortunately a lot of people end up with debts on their cards that they are paying high interest rates on without realising it. If you default on credit card payments, or have done so in the past, you may need to clean up your credit report.

There are various types of credit cards that are available in the United States - low interest credit cards, airline credit cards, balance transfer cards, business credit cards, instant approval cards, student credit cards, reward credit cards, prepaid and debit cards, cash back credit cards and credit card specials. There are several types of rewards credit cards available in the US - points, hotel or travel, retail, home improvement and gas cards.

We have also created a guide to help you find relevant US State Credit Cards and US City Credit Cards.

Broadly speaking, there are three categories of credit cards in the US. These are:

Business Credit Cards

Business credit cards are best suited for businesses, entrepreneurs and professionals to manage their business accounts. They are used for several reasons, such as purchasing official supplies and paying for official trips. Some of the leading business credit cards available today are Citi Professional (SM) Cash Cardfrom MasterCard, Advanta Platinum Business Card and Simply Cash Business Card from American Express.

Secured Credit Cards

A secured credit card is one in which the cardholder is required to deposit a certain amount as an escrow (asset). In case a cardholder stops making payments, the bank has the authority to withdraw money from the escrow. This type of credit cards is suited for those with no credit or poor credit. Among the more popular secured credit cards are Orchard Bank Secured MasterCard and New Millennium Bank Secured Gold Visa or MasterCard.

Unsecured Credit Cards

Unsecured credit cards are traditional credit cards or charge cards. In this case, the card issuer allows the cardholder to enjoy a credit limit sans keeping any assets. Typically, this type of credit cards is difficult to get, since it requires the cardholder’s credit history to be excellent and unblemished. This means that the cardholder should not have any debts outstanding. Some of the popular unsecured credit cards are First PREMIER Bank MasterCard, Citi Diamond Preferred Rewards Card and Discover Motiva Card.

There may be several types of unsecured credit cards. These include:

Rewards Credit Cards - Apart from purchasing power, these cards offer several reward schemes. Examples are American Express Preferred Rewards Green Card, Maximum Rewards Platinum Edition Visa Card and Citi Diamond Preferred Reward Card.
Travel Credit Cards - Cardholder earn multiple points when making travel related expenses using these cards. Expenses may include buying flight or train tickets, paying for gas, making a hotel reservation or paying for car rentals. Examples are Miles by Discover Card, Blue Sky from American Express and Disney’s Rewards Visa Card from Chase.
Gas Credit Cards - These specialty credit cards are suitable for people who purchase gas regularly. Examples are Discover Open Road Card, Capital One No Hassel Miles Rewards for Travel and Gas and Shell Card Credit Card.
Bad Credit Credit Cards - Suitable for those who have bad credit and find it difficult to have a credit card approved. People with bad credit may need a new credit line to overcome their poor credit status. Examples are First PREMIER Bank Gold MasterCard, Total Visa Card and Orchard Bank Platinum MasterCard.
No Credit Credit Cards - Suitable for those with no credit history. Examples are Bank of America Secured Visa Platinum, Capital One Standard Platinum and Citi Platinum Select MasterCard.
Balance Transfer Credit Cards - Offer cardholders the option to consolidate debt payments. Examples are Blue from American Express, Clear from American Express and Citi Platinum Select Card.

American Express is a global financial services provider that was incorporated in 1850 and is headquartered at New York City. The company deals in a number of financial products and services. Apart from the credit cards the other well known business areas of American Express are travelers' cheques and change cards.

Bank of America is known as the biggest commercial banks in the United States of America. Among the major commercial banks of USA it has the highest market capitalization and maximum amount of deposits. The bank is headquartered at Charlotte in North Carolina. HSBC Bank is among the major clearing banks of the United Kingdom. The company was established in 1836 and is headquartered at London, England.

Credit Cards by US State and City

Michigan Credit Card : Do’s and Don’ts

Omaha Credit Card : Consider the Benefits and Rewards

Sacramento Credit Card- What Lenders Look For

San Jose Credit Card : Apply For Your Business

Seattle Credit Card : Four Easy Steps

Detroit Credit Card- Credit Card Points and Travel Rewards

Memphis Credit Card- Using Caution and Care

Chicago Credit Card : Options for the Best

Washington Credit Card : Choosing The Best

Atlanta Credit Card : Merchant Services

Dallas Credit Card : Consider a Dallas Cowboys Card

A Guide to US Credit Cards by City and State

Alaska Credit Card : What to Look For

Las Vegas Credit Card : Acceptance Is Important

New York Credit Card: Standard Terms Apply

Houston Credit Card : New Fraud Protection

Fort Worth Credit Card- Which One is Perfect for You?

Hawaii Credit Card- Questions to Ask About a Balance Transfer

Illinois Credit Card- Consider Your Credit Habits

Long Beach Credit Card : Apply for A Rewards Card

Milwaukee Credit Card- Protecting Your Card

New Orleans Credit Card : Try A Prepaid Card

Oklahoma Credit Card : Keep It Safe When Shopping Online

Tucson Credit Card- Understand Credit Score

Baltimore Credit Card - New Technologies and Safety Tips

Boston Credit Card Customers Experiencing Changes

Columbus Credit Card Laws to Reduce Fees

San Diego Credit Card Fraud Concerns

Texas Credit Card and Specific Laws

Charlotte Credit Card Accounts and Changes

Denver Credit Card Holders Paying Down Debt Faster

How To Generate Valid Credit Card Numbers

2010-02-15T01:08:00.000-08:00

What do the credit card numbers mean and how are they generated? I need to start with a disclaimer: Do not use any credit card numbers, except your own, to buy things off internet. Itâ€™s wrong and itâ€™s illegal. The purpose of this post is *not* to create fraudulent workable card numbers. It is to explain the math and the science behind those numbers that most of us see day in and day out; and hence this post should be viewed from a purely academic perspective.

Typical credit card anatomy

Before we understand how credit card numbers are generated, here is a brief explanation of what a typical credit card number means.

Out of the 16 numbers on a typical credit card, the set of first 6 digits is known as the issuer identifier number (read this for details), and the last digit is known as the “check digit” which is generated in such a way as to satisfy a certain condition (the Luhn or Mod 10 check). “Luhn check” is explained later in this post. The term sounds intimidating, but it’s really a very simple (and elegant) concept.
Taking away the 6 identifier digits and 1 check digit leaves us with 9 digits in the middle that form the “account number”.
Now, there are 10 possible numbers (from 0 to 9) that can be arranged in these 9 places. This gives rise to 10⁹ combinations, that is, 1 billion possible account numbers (per issuer identifier).
With each account number, there is always an unique check digit associated (for a given issuer identifier and an account number, there cannot be more than one correct check digit)
Amex issues credit cards with15 digits. The account numbers in this case are 8 digit long.

What is the “Luhn” or “Mod 10″ check?

In 1954, Hans Luhn of IBM proposed an algorithm to be used as a validity criterion for a given set of numbers. Almost all credit card numbers are generated following this validity criterion…also called as the Luhn check or the Mod 10 check. It goes without saying that the Luhn check is also used to verify a given existing card number. If a credit card number does not satisfy this check, it is not a valid number. For a 16 digit credit card number, the Luhn check can be described as follows:

Starting with the check digit, double the value of every second digit (never double the check digit). For example, in a 16 digit credit card number, double the 15th, 13th, 11th, 9th…digits (digits in odd places). In all, you will need to double eight digits.
If doubling of a number results in a two digit number, add up the digits to get a single digit number. This will result in eight single digit numbers.
Now, replace the digits in the odd places (in the original credit card number) with these new single digit numbers to get a new 16 digit number.
Add up all the digits in this new number. If the final total is perfectly divisible by 10, then the credit card number is valid (Luhn check is satisfied), else it is invalid.

When credit card numbers are generated, the same steps are followed with one minor change. First, the issuer identifier and account numbers are assigned (issuer numbers are fixed for a given financial institution, whereas the account numbers are randomly allocated - I think). Then, the check digit is assumed to be some variable, say X. After this, the above steps are followed, and during the last step, X is chosen in such a way that it satisfies the Luhn check.

This part is a bit confusing and takes some time to understand. However, don’t get stuck here…continue reading through the examples below and you will figure out what this is all about.

Credit card numbers valid or invalid?

Have you ever wondered if those numbers on the fake plastic or cardboard credit cards that come with the “preapproved” offers are real or imaginary? If they are not valid, how do you know it?…Just apply the Luhn check and all the those fake credit cards will invariably fail.Here is an example of a VISA credit card (look at the expiry date - 01/09 ..it’s still valid ! )

Note that the credit card number starts with “4″…so it is indeed a VISA issued credit card (VISA cards start with “4″ and MasterCard/Maestro cards start with “5″). Now, let us apply the Luhn algorithm to this card. To make it easier on you guys, I have created a schematic of the steps towards the Luhn check (below) for this card number 4552 7204 1234 5678:

In this case, when we sum up the total, it comes to 61 which is notperfectly divisible by 10, and hence this credit card number is invalid.
If such a credit card number is ever generated, the value of the check digit would be adjusted in such a way as to satisfy the Luhn condition. In this case, the only value of the check digit, that will create a valid credit card number, is 7. Choosing 7 as the check digit will bring the total to 60 (which is perfectly divisible by 10) and the Luhn condition will be satisfied. So the valid credit card number will be 4552 7204 1234 5677.

Let’s try another example, this time with a MasterCard.

Again, performing the Luhn check on this credit card number, we have:

The total comes to 65 which is not perfectly divisible by 10. Hence this credit card number is invalid.
In this case, a valid credit card number will result only if the check digit is 8. This will bring the total to 70 which is perfectly divisible by 10. So the valid credit card number will be 5490 1234 5678 9128.

Closing remarks

If I still have your attention, here are some additional thoughts. In the context of this post, by the term “valid”, I mean “mathematically valid”. A mathematically valid credit card does not mean a “working” credit card. The Luhn formula validates only the credit card number; it does not validate the expiry date and/or card security code (CVV, CVC). Plus, as discussed before, the 9 digit account number will yield 1 billion combinations; so the chances of getting a working credit card number are very remote. It should also be noted that, this validation is usually employed at the transaction end; which means that numbers that do not satisfy the Luhn check are not forwarded to the card issuer and the transaction is terminated. If you have a fake credit card which satisfies the Luhn check, it will go through at the transaction end, but the card issuer will most likely catch the mischief. So don’t go about trying to use these numbers to buy stuff.

Just to be clear on this, I don’t expect comments like these (check out the source of this comment):

hey. im hearing good things about your site! i need some money to jump start my poker career. Probably about 40-100$ would do. i dont have a credit card to use and it pisses me off because i know i could beat the majority of the people online. please help

If you intend to post such comments, at least be extremely funny.

So you think you can separate out valid and invalid account numbers now? Here are a couple of trial numbers for you:

5491 9469 1544 4923 - Valid or invalid? If invalid, what should have been the correct check digit to make it valid?
4539 9920 4349 1562 - Valid or invalid? If invalid, what should have been the correct check digit to make it valid?

Sudoku fans will quickly figure out multiple valid combinations of the above numbers. If you don’t want to do the math, here are some ready made valid (”test”) credit card numbers from Paypal.By the way, the Luhn check is also valid for debit card numbers.I am still in the learning phase with this topic and trying to further understand how people use (or misuse (?)) such information. If you have some insight in this matter, please feel free to share it with us.If you liked what you read above, go ahead and subscribe to this blog to get more updates. It’s easy - just click on one of the buttons below and get the feed.