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Google pay virtual Mastercard cards return 491231 in EMV Tag 5F25 (Application Effective Date) which stands for 2049.12.31 according to ‘M/Chip Requirements’ document:

Date from which the application may be used. The date is expressed in the YYMMDD format. For Mastercard branded applications if the value of YY ranges from ‘00’ to ‘49’ the date reads 20YYMMDD, if the value of YY ranges from ‘50’ to ‘99’, the date reads 19YYMMDD.

What does it mean and what should I do with this garbage? Set ‘Application Not Yet Effective’ bit in TVR as EMV books require, really? Or am I missing something?

Anonymous Asked question May 14, 2021