Abstract : A Smart Card is the latest addition in the world of information technology. It has an electronic microchip embedded in it. The chip stores electronic data and programs that are protected by advanced security features. The Smart Card brings a variety of benefits to users. Smart Cards are used all over the world as personal identification cards for corporate building security systems and PC equipment access control. Smart Cards are used as Credit or Debit cards. The use of a microprocessor chip enhances the level of automation and security, making Credit or Debit cards a Smart Card. In this project, a practical implementation for Credit Card application into physical Smart Cards was implemented using BasicCard_ Development Kit Environment. Two models of the application were made for comparison purposes: Credit Card with PIN authorization security level and Credit Card with Challenge- Response Mutual Authentication security level. The authentication security level has been implemented using advanced encryption standard cryptography. To facilitate the implementation, numbers of commands subroutines have been developed. Moreover, programs for terminal and smart card sides have been developed for mutual communication purpose. The two models were developed and their code was written and simulated for debugging and checking functionality. The first model has been loaded into Enhanced BasicCard_ v3.7. The other model could not be loaded on the same card because of the large needed memory. A professional BasicCard_ v5.4 is needed for the second model. The simulation and practical obtained results reflect the validity of the developed programs and applications.