Karl H. Hinke, 84, a longtime banking executive who created the MasterCard credit card. Hinke was former chairman of the Interbank Card Assn. and a retired executive of Marine Midland Bank, where he worked for 55 years. MasterCard, originally called Master Charge, was started by Buffalo, N.Y.-based Marine Midland in 1966 at the urging of Hinke, then executive vice president of the bank. The trial credit card operation spread to the New York cities of Jamestown, Syracuse and Rochester. It then attracted major banks in other cities, including Chase Manhattan, Mellon Bank and the Bank of Detroit, which formed the Interbank Card Assn. in 1966. By the end of 1967, there were 150 members. Hinke retired from Marine Midland’s board of directors in 1971 and from the Marine Advisory Council, a group of former Marine directors, in 1982. In East Aurora, N.Y., on Saturday.