Kotak Mahindra Bank Credit Card’s PIN Generation

Activate your Kotak Mahindra Bank credit card before you can generate the PIN. After activation, set your 4-digit PIN to begin using your card and enable secure swipes at ATMs, retail stores, and online platforms. PIN generation is a mandatory step before you can begin using your credit card.

Kotak Mahindra Bank credit card PIN generation is a quick and secure process. You can complete it online through net banking or the mobile app by following these simple steps:

Via Net Banking

1. Log in to your Kotak Net Banking account

2. Go to the 'Credit Card' section and select 'Change PIN'

3. Enter the OTP sent to your registered mobile number

4. Enter your new 4-digit PIN twice and click ‘Submit’

Via Mobile Application  

1. Open and log in to the Kotak Mobile Banking App

2. Navigate to the ‘Credit Card’ section and tap on ‘Change PIN’

3. Verify using the OTP sent to your registered mobile number

4. Enter your new PIN twice and click ‘Submit’

You must first activate your Kotak Mahindra Bank credit card before generating the PIN. This can be done easily using internet banking or the mobile app. Here is how:

Through Internet Banking

1. Visit the official the bank’s net banking portal

2. Log in to your account

3. Click on ‘Card Activation’ on the homepage

4. Enter your credit card number, expiry date, and date of birth

5. Click ‘Submit’

6. Enter your ATM PIN and submit

7. Enter the OTP sent to your registered mobile number

8. Your card will now be activated

Through the Mobile App

1. Download and log in to the Kotak Mobile Banking App

2. Tap on ‘Activate a Card’

3. Enter your card number, expiry date, and date of birth

4. Click on ‘Send OTP’ and enter the OTP received

5. Set your username and password

6. Click on ‘OK’; your card is now active

If you prefer offline methods, you can easily generate your Kotak Mahindra Bank credit card PIN through an ATM, customer care, or SMS. Here is how:

By visiting the ATM 

• Visit your nearest Kotak Mahindra Bank ATM

• Insert your credit card into the ATM slot

• Enter the PIN initially provided

• You will be redirected to the ‘Create New PIN’ page

• Follow the on-screen instructions to set your new PIN and activate your card

Through the customer care service

• Call 1860 266 2666 from your registered mobile number

• Follow the IVR menu and keep your credit card details ready

• A bank executive will assist you in generating your PIN

If you have forgotten your PIN, Kotak Mahindra Bank allows you to reset it through these simple steps: 

1. Log in to your net banking account

2. Go to Credit Card ‘Service Requests’

3. Select ‘Instant PIN Generation’

4. Set your new PIN using OTP verification

Follow these important steps to protect your Kotak Mahindra Bank credit card PIN and prevent unauthorised use.

• Keep Your PIN Confidential

Never write down your PIN or share it with anyone, including friends or family. Keeping it private helps protect your card from fraudulent access.

• Change Your PIN Regularly

Update your PIN periodically to enhance security. This makes it harder for anyone to misuse your card if the PIN is ever compromised.

• Use Official Channels Only

Always generate or reset your PIN through secure platforms such as net banking, mobile app, or IVR. These methods are verified and reduce the risk of fraud.

• Enable Transaction Alerts

Turn on SMS or mobile app alerts for every card transaction. This helps you track activity in real time and detect suspicious use quickly.

• Avoid Public Devices

Never access net banking or the mobile app from shared or public devices. These may be unsafe and can expose your credentials to theft.

• Report Lost or Stolen Cards Immediately

Inform the bank right away if your card is lost or stolen. This allows the bank to block the card and issue a replacement or a new PIN without delay.