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Credit Card PIN

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, else it fails.

How to Activate a Credit Card

When you receive your credit card, the first step is to activate it. To do this, you need to generate your unique PIN. 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 the credit card customer care and resolve the issue.

Different Methods to Generate Credit Card PIN

You can generate your credit card PIN online or offline using any of the methods mentioned below:

1) Credit Card PIN Generation Using Your Net Banking Account

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’.

2) Credit Card PIN Generation Through an ATM

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’.

3) Credit Card PIN Generation via IVRS

If your bank has an IVRS service, you can use it to set the PIN for your card.

  • Step 1: Call the credit card customer care.

  • Step 2: Once connected, type your credit card number.

  • Step 3: Select the option for PIN change on credit card.

  • 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.

How to Change the Credit Card PIN?

Once you have set your credit card PIN, you can opt to change it anytime. There are two ways to reset your credit card PIN: through netbanking or through an ATM.

1) Credit Card PIN Reset Using Net Banking Account

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’.

2) Credit Card PIN Change Via ATM

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.

Points to Remember to Ensure Safety of Your Credit Card PIN

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

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FAQs on Credit Card PIN

✔️How do I get a credit card PIN?

 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.

✔️How to generate a PIN for my add-on credit card?

 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 netbanking account, IVRS, or by visiting an ATM.

✔️How to generate a new pin for an existing credit card?

 You can generate a new PIN for an existing card through netbanking. Login using your credentials, and under credit cards, select the ‘Change PIN’ option.