Your credit card PIN is typically a 4 to 6 digit secret number used to make transactions on your credit card. It ensures the safety and security of your funds. When you use the card for transactions, you need to enter the PIN. The payment system then matches it to the card number and user ID. If it is an exact match, the transaction is processed, or else it fails.
Credit card PIN numbers are sensitive financial information that must be kept confidential. This is why the credit card PIN activation process designed by banks is extremely secure and requires the customer to follow a proper procedure.
As soon as you receive your credit card, the first thing you must do is activate it by setting a PIN for it. Only after setting your PIN can you begin using your card. New technological innovations in the form of green PIN and self-PIN allow you to easily generate a PIN instantly and activate your credit card as soon as it is delivered. In case you face any challenges with the activation process, you can contact credit card customer care and resolve the issue.
Setting your credit card PIN and a credit card PIN reset can both be done online. Read below to learn of the different methods you can apply to generate your credit card PIN.
Credit card PIN generation can be done online through credit card netbanking. All you need to do is follow the steps mentioned below:
Step 1: Visit the netbanking page of your bank/credit card issuer.
Step 2: Under ‘Credit card’ click on ‘Generate/Change PIN’.
Step 3: Authorise the request using an OTP and click on ‘Continue’.
Step 4: Set up the credit card PIN by typing the 4-digit combination of your choice.
Step 5: Re-enter the credit card PIN.
Step 6: Click on ‘Submit’.
To set the PIN for your credit card using an ATM, you need to follow the steps mentioned below:
Step 1: Visit your bank’s nearest ATM and insert the credit card in the defined slot.
Step 2: Choose your preferred language.
Step 3: Click on the option ‘Create PIN using OTP’.
Step 4: Validate the credit card PIN by entering the OTP.
Step 5: Type a new 4-digit PIN combination of your choice.
Step 6: Re-enter the credit card PIN.
Step 7: Click on ‘Submit’.
If your bank has an IVRS service, you can use it to set the PIN for your card.
Step 1: Call credit card customer care.
Step 2: Once connected, type your credit card number.
Step 3: Select the option for credit card PIN change.
Step 4: Verify ownership by answering specific questions.
Step 5: Authorise the process by entering the OTP.
Step 6: Once validated, you can generate the PIN for your credit card by typing in a 4-digit combination of your choice.
Once you have set the PIN, it is extremely easy to reset your credit card PIN. There are two ways to reset your credit card PIN: through netbanking or through an ATM.
Credit card PIN change can be done online using your net banking account. All you need to do is follow the steps mentioned below:
Step 1: Visit the netbanking page of your bank.
Step 2: Under ‘Credit card’, click on ‘Change PIN’.
Step 3: Authorise the request using the OTP sent to your registered mobile number and click on ‘Continue’.
Step 4: Change the credit card PIN by typing the 4-digit combination of your choice.
Step 5: Re-enter the credit card PIN.
Step 6: Click on ‘Submit’.
To reset your credit card PIN using an ATM, you need to follow the steps mentioned below:
Step 1: Visit the nearest ATM and insert the credit card in the defined slot.
Step 2: Choose your preferred language.
Step 3: Enter your current credit card PIN.
Step 4: Click on the ‘Change PIN’ option.
Step 5: Authorise the credit card PIN change activity by entering the OTP.
Step 6: Type a new 4-digit PIN combination of your choice.
Step 7: Re-enter the credit card PIN.
Step 8: Click on ‘Submit’.
The bank will send you a confirmation message that the PIN of your credit card has been successfully changed.
When you apply for a credit card, you must keep your credit card PIN safe to prevent its misuse. To do so, you must follow the steps mentioned below:
Check your credit card statement every month for misuse and/or discrepancies
Have your card swiped only in your presence
Check for the safety and authenticity of the websites before using your credit card for transactions
Do not share your credit card details with anyone
Do not save your credit card details on merchant websites
Do not write down your credit card PIN anywhere.
A credit card PIN needs to be generated once your card is delivered to you. You can set it up using a netbanking service, IVRS, or by visiting an ATM.
The process of generating a PIN for the add-on credit card is the same as that of the primary card. You can set up a PIN using your net banking account, IVRS, or by visiting an ATM.
You can generate a new PIN for an existing credit card through net banking. Login using your credentials, and under credit cards, select the ‘Change PIN’ option.
In case you share your credit card PIN with someone, you are placing yourself at risk as the person in question may be able to withdraw the funds from your account without your knowledge or approval.
No, the PIN for your add-on credit cards is different from the PIN of your main credit card. Banks provide different bills for both cards in order to ensure security.
Each bank has a different procedure to generate credit card PINs using SMS. Get in touch with your bank’s customer care representative for the details and number on which you can send an SMS to activate your credit card PIN.