The Bank Identification Number (BIN) 493195 is issued by HANG SENG BANK LIMITED in HONG KONG. This is a VISA CREDIT card with SIGNATURE level.
BIN (Bank Identification Number), also known as IIN (Issuer Identification Number), refers to the first 6 digits of a payment card number. These digits identify the card-issuing institution, card type, and other attributes used for routing and fraud prevention.
By looking up BIN 493195, you can determine: the card network (VISA), whether it's a credit, debit, or prepaid card (CREDIT), the card level (SIGNATURE), the issuing bank (HANG SENG BANK LIMITED), and the country of issuance (HONG KONG). This information is useful for payment processors, merchants, and fraud prevention systems.