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I have a client that purchased a punch card for 5+1@90minutes in house service. He wants to use the card for out call. do I credit the balance of the card to an out call rate and bill him the balance due?

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I'd have that discussion before going to his house to do the massage. Be sure he understands that an outcall costs more than in-house and that he must pay the difference.
I agree with Laura. You need to talk with him ahead of time and help him realize that the punch card is only for in house. Do you offer a punch card for out calls? maybe you can suggest that and charge him more for the out calls card.

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