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=


                                   FORM 8-K

                      SECURITIES AND EXCHANGE COMMISSION

                            WASHINGTON, D.C. 20529

                                CURRENT REPORT



Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.

Date of Report:     May 14, 1999


                   MBNA AMERICA BANK, NATIONAL ASSOCIATION
                               ON BEHALF OF THE
                        MBNA MASTER CREDIT CARD TRUST
            (Exact name of registrant as specified in its charter)


                               
                                   33-64244
  United States                                                51-0331454
-----------------        -----------------------------       --------------
(State or other               (Commission File               (IRS Employer
 jurisdiction of                    Number)               Identification No.)
 incorporation)  



                              Wilmington, DE. 19884-0781
-----------------------------------------------------------------------------
-
                   (Address of principal executive office)



Registrant's telephone number, including area code  (800) 362-6255.
                                                    ---------------

<PAGE>


ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION, AND EXHIBITS


     The following are filed as Exhibits to this Report under Exhibit 20:

     

     


     20.1.  Series 1993-4 (File No. 33-64244) Certificateholders'Statement 
for the month ended April 30, 1999.

     20.2.  Series 1994-1 (File No. 33-64244) Certificateholders'Statement 
for the month ended April 30, 1999.

     20.3.  Series 1994-2 (File No. 33-64244) Certificateholders'Statement 
for the month ended April 30, 1999.


<PAGE>


ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION, AND EXHIBITS


     The following are filed as Exhibits to this Report under Exhibit 99:

     
    

     99.1.  Series 1993-4 (File No. 33-64244) Key Performance Factors for the 
month ended April 30, 1999.

     99.2.  Series 1994-1 (File No. 33-64244) Key Performance Factors for the 
month ended April 30, 1999.

     99.3.  Series 1994-2 (File No. 33-64244) Key Performance Factors for the 
month ended April 30, 1999.



                                  SIGNATURES


     Pursuant to the requirements of the Securities Exchange Act of 1934, the 
Registrant has duly caused this report to be signed on its behalf by the 
undersigned thereunto duly authorized.


Dated:     May 14, 1999


                               MBNA AMERICA BANK, NATIONAL ASSOCIATION



                                By:         /s/David Martini
                                   ----------------------------------
                                Name:       David Martini
                                Title: 	  Vice President
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=============================================================================
=

                                   FORM 8-K

                      SECURITIES AND EXCHANGE COMMISSION

                            WASHINGTON, D.C. 20529

                                CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.

Date of Report:     May 14, 1999

                   MBNA AMERICA BANK, NATIONAL ASSOCIATION
                               ON BEHALF OF THE
                        MBNA MASTER CREDIT CARD TRUST
            (Exact name of registrant as specified in its charter)

                               
                                   33-64244
  United States                                                51-0331454
-----------------        -----------------------------       --------------
(State or other               (Commission File               (IRS Employer
 jurisdiction of                    Number)               Identification No.)
 incorporation)  

                              Wilmington, DE. 19884-0781
-----------------------------------------------------------------------------
-
                   (Address of principal executive office)

Registrant's telephone number, including area code  (800) 362-6255.
                                                    ---------------
ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION, AND EXHIBITS

     The following are filed as Exhibits to this Report under Exhibit 20:

     

     

     20.1.  Series 1993-4 (File No. 33-64244) Certificateholders'Statement 
for the month ended April 30, 1999.

     20.2.  Series 1994-1 (File No. 33-64244) Certificateholders'Statement 
for the month ended April 30, 1999.

     20.3.  Series 1994-2 (File No. 33-64244) Certificateholders'Statement 
for the month ended April 30, 1999.
ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION, AND EXHIBITS

     The following are filed as Exhibits to this Report under Exhibit 99:

     
    

     99.1.  Series 1993-4 (File No. 33-64244) Key Performance Factors for the 
month ended April 30, 1999.

     99.2.  Series 1994-1 (File No. 33-64244) Key Performance Factors for the 
month ended April 30, 1999.

     99.3.  Series 1994-2 (File No. 33-64244) Key Performance Factors for the 
month ended April 30, 1999.

                                  SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, the 
Registrant has duly caused this report to be signed on its behalf by the 
undersigned thereunto duly authorized.

Dated:     May 14, 1999

                               MBNA AMERICA BANK, NATIONAL ASSOCIATION

                                By:         /s/David Martini
                                   ----------------------------------
                                Name:       David Martini
                                Title: 	  Vice President