maskCard method
Special case for card-like sequences: mask all but last 4 digits and keep spacing where possible.
Implementation
String maskCard(String input) {
final digits = input.replaceAll(RegExp(r'\D'), '');
if (digits.length < 8) return mask(input);
final last4 = digits.substring(digits.length - 4);
return '${maskChar * (digits.length - 4)}$last4';
}