Karl H. Hinke, 84, a longtime banking executive who created the MasterCard credit card, died Saturday in East Aurora, N.Y. Mr. Hinke was former chairman of the Interbank Card Association and a retired executive of Marine Midland Bank, where he worked for 55 years. MasterCard, originally called Master Charge, was started by Buffalo-based Marine Midland in 1966 at the urging of Mr. Hinke, who was then executive vice president of the bank. The trial credit card operation was started in Binghamton and spread to Jamestown,Syracuse, Rochester and Buffalo. It then attracted major city banks, including Chase Manhattan, Mellon Bank and the Bank of Detroit, which formed )) the Interbank Card Association in 1966. By the end of 1967, there were 150 members.