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Amid the rise of mobile payments, credit cards aren't disappearing just yet, according to Citi Cards CEO Jud Linville.

"I keep wondering when cards are going to disappear," Linville said. "Cards are easy - whether it's a swipe that's easy or the tap and pay that's easy - I think you're going to see integration of all of those over time."

Citi Cards is a division of Citigroup (C) - Get Citigroup Inc. Report .

Amid the rise of Apple Pay from Apple (AAPL) - Get Apple Inc. Report , Samsung Pay and Alphabet's (GOOGL) - Get Alphabet Inc. Report Android Pay, Linville said there are still hurdles that will keep the traditional credit card around longer. "There's a hurdle of trust and a hurdle of complexity," Linville said, referring to the digital payment platforms. "Credit cards still are heavy in use."

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The traditional credit card industry is still reeling from last year's transition to EMV cards. Credit card issuers were required to provide consumers with new cards armed with the chip, while store merchants were required to implement new processors that accept the cards. Both parties had until Oct. 1, 2015 to meet the new standards, though the transition is still ongoing, according to Linville.

The move hasn't been easy. Aside from the costs issuers and merchants swallowed, consumers were forced to insert their cards into a processor, instead of swiping the card - a process that took longer.

"From a counterfeit fraud standpoint, it's a wonderful device," Linville said, referring to the technology's ability to reduce the ability for thieves to create fake credit cards.

Aside from the EMV transition, Linville was also involved in another major shakeup in the credit card industry. Costco (COST) - Get Costco Wholesale Corporation Report and American Express' (AXP) - Get American Express Company Report 16-year relationship ended earlier this year, with the retailer instead partnering with Visa (V) - Get Visa Inc. Report as the network for its store cards and Citi Cards as the issuer.

"It's a massive, massive transition," Linville said. "We have a great partnership with Visa on Costco."

Apple, Alphabet, Citigroup, Costco and Visa are holdings in Jim Cramer's Action Alerts PLUS Charitable Trust Portfolio. Want to be alerted before Cramer buys or sells AAPL, GOOGL, C, COST or V? Learn more now.