The Bank Identification Number (BIN) 497963 is issued by BANK OF COMMUNICATIONS in CHINA. This is a VISA CREDIT card with PLATINUM 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 497963, you can determine: the card network (VISA), whether it's a credit, debit, or prepaid card (CREDIT), the card level (PLATINUM), the issuing bank (BANK OF COMMUNICATIONS), and the country of issuance (CHINA). This information is useful for payment processors, merchants, and fraud prevention systems.