Credit Card PIN Generation

To ensure the safety and security of your funds, your credit card is protected with a 4-digit number known as the PIN. This is confidential to you and is assigned against your card as a unique identification number. When you use the card for transactions, you need to enter the PIN. The payment system then matches it to the card number. If it is an exact match, the transaction is processed, else the payment fails.

The credit card PIN needs to be generated by you as soon as you get your card from the bank. Here is how to do it.

Different Methods to Generate Credit Card PIN

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

Credit Card PIN Generation Using Your Net Banking Account:

Credit card PIN generation can be done online using your net banking account. All you need to do is follow the steps mentioned below-

  • Visit the net banking page of your bank

  • Under ‘Credit card’ click on ‘Change PIN’

  • Authorise the request using the sent OTP and click on ‘Continue’

  • Set up credit card PIN by typing the 4-digit combination of your choice

  • Re-enter the credit card PIN chosen by you

  • Click on ‘Submit’

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-

  • Visit your bank’s nearest ATM and insert the credit card in the defined slot

  • Choose your preferred language

  • Click on the option ‘Create PIN using OTP’

  • Validate the credit card PIN by entering the OTP

  • Type a new 4-digit PIN combination of your choice

  • Re-enter the credit card PIN chosen by you

  • Click on ‘Submit’

Credit Card PIN Generation via IVRS

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

  • Dial the customer care helpline number of your bank

  • Once connected, type your credit card number

  • Select the option for PIN change on credit card

  • Dial-in your registered Date of Birth

  • Authorise the process by entering the OTP

  • 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 Net banking or by using an ATM.

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-

  • Visit the net banking page of your bank

  • Under ‘Credit card’ click on ‘Change PIN’

  • Authorise the request using the OTP sent to your registered mobile number and click on ‘Continue’

  • Change the credit card PIN by typing the 4-digit combination of your choice

  • Re-enter the credit card PIN chosen by you

  • Click on ‘Submit’

Credit Card PIN Change Via ATM

To reset your credit card PIN using an ATM, you need to follow the steps mentioned below-

  • Visit your bank’s nearest ATM and insert the credit card in the defined slot

  • Choose your preferred language

  • Enter your current credit card PIN

  • Click on the ‘change PIN’ option

  • Authorise the credit card PIN change activity by entering the OTP

  • Type a new 4-digit PIN combination of your choice

  • Re-enter the credit card PIN chosen by you

  • 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, to prevent its misuse you must keep your credit card PIN safe. To do so, you have to follow the steps mentioned below-

  1. Check your credit card statement every month for misuse and discrepancies.

  2. Have your card swiped in your presence

  3. Check for safety and authenticity of the websites before using your credit card on them for transactions

  4. Do not share your credit card details with anyone

  5. Do not save your credit card details on merchant websites

  6. Do not write down your credit card PIN anywhere

Frequently Asked Questions About Credit Card Pins

  • ✔️How do I get a credit card PIN?

    Credit card PIN needs to be generated once your card is delivered to you. You can set it up using net banking 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 net banking 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 net banking. Login using your credentials, and under credit cards, select the ‘Change PIN’ option.

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