This document proposes an efficient format-preserving encryption (FPE) algorithm for encrypting credit card numbers. The algorithm uses AES-128 encryption and adds two additional steps to retain the plaintext format of 16 decimal digits. Specifically, it divides the 128-bit ciphertext into blocks, performs an XOR operation between blocks, and then converts the resulting hexadecimal values to decimal digits. This allows encryption without changing the database structure or queries. The proposed algorithm is faster and requires no additional storage compared to existing FPE techniques like prefix encryption, cycle walking, or Feistel networks. It provides an efficient way to encrypt sensitive numeric fields like credit cards while preserving functionality.