Credit cards are currently the most widely used form of plastic currency on the market. To keep up in this highly competitive environment, the banking sector has increased the scale of its credit card operations and involvement, while also carefully controlling the resources it has invested into this same industry. Therefore, a bank's ability to manage its credit card business efficiently is critical to the bank's operational success and performance. This study evaluated the efficiency of a case study, individual bank's credit card business from 2006 to 2012, measuring changes in credit card productivity. In further analysis, the effects of any technical or efficiency changes on productivity variation were also analyzed.