SBI Credit Card PIN Generation – How to Create/Reset PIN

A credit card PIN is a four‑digit number used to authorise certain transactions on your card, such as ATM cash withdrawals, contactless payments, etc. For SBI credit cards, a PIN lets you access cash or verify online/offline transactions securely.

It adds an extra layer of protection against fraud, ensuring only you can perform sensitive actions even if someone has your card details. Keeping your PIN secret and changing it regularly can help prevent misuse and offer peace of mind.

SBI credit card PINs follow a simple, secure format to make them easy to remember yet hard to guess. 

• Always Four Digits

Your SBI credit card PIN must be a four‑digit number, chosen when you generate or reset your SBI credit card PIN. 

• No Obvious Numbers

Avoid simple sequences like 1234, 0000 or your birth year, as these might be easy to guess. 

• Re-enter for Confirmation

During the process, you will need to enter the new PIN twice to confirm it correctly. 

• Unique per Card

Each SBI credit card, including add‑on cards, needs its own PIN, set by the primary cardholder. 

• Secure Generation

PIN creation uses OTP verification on your registered mobile or email for added safety.

There are several quick, secure ways to create or reset your SBI credit card transaction PIN. You can pick whichever method is most convenient for you: online (NetBanking), the mobile app, phone (IVR/customer helpline), or the card issuer’s own chatbot ‘ILA’. 

Generate/Reset PIN via NetBanking

1. Log in to your online banking account.

2. Open the ‘My Account’ tab (left-hand menu).

3. Click on ‘Manage Pin’.

4. Select the card whose PIN you want to generate/change.

5. Click on ‘Generate OTP’ and an OTP will be sent to your registered mobile/email.

6. Enter the OTP when prompted.

7. Type your new 4-digit PIN twice to confirm.

8. Click on ‘Submit’ and your new PIN will be set.
    

Generate/Reset PIN via Mobile App

1. Log in to the mobile app and go to ‘Service Requests’ (left-hand menu).

2. Tap on ‘Manage Pin’.

3. Choose the card for which you want to change the PIN.

4. Click on ‘Generate OTP’ and enter the OTP sent to your registered mobile/email.

5. Enter the new 4-digit PIN twice to confirm.

6. Tap on ‘Submit’ and your PIN will be updated.
    

Generate/Reset PIN via IVR

1. Call the customer helpline at 1860 180 1290 or 39 02 02 02 (prefix the number with your local STD code). 

2. Choose option 6 to generate a PIN.

3. Enter your 16-digit card number, your date of birth (DD MM YYYY) and the card expiry date (MM YY).

4. Enter the 6-digit OTP received on your registered mobile or email.

5. Choose a 4-digit PIN and re-confirm it when asked.

6. The IVR will confirm the PIN generation on the call and you’ll receive a confirmation message.
    

Generate/Reset PIN via Chatbot ILA

1. Log in to the chatbot and ask, “How do I generate transaction PIN for my credit card?”

2. Tap on the ‘Update PIN’ option when displayed. 

3. Enter the OTP sent to your registered mobile/email and click on ‘Submit’.

4. Enter the new 4-digit PIN twice and click Update PIN — you’re done.

An add-on SBI credit card is linked to the primary cardholder’s account. This means that generating or resetting a PIN requires verification via the primary cardholder’s registered details.

Generate/Reset Add-on Card PIN via IVR

You can generate or reset the transaction PIN for your add-on card by calling the SBI Card customer helpline and completing OTP-based authentication. 

1. Call the SBI Card Customer Helpline at 1860 180 1290 or 39 02 02 02 (prefix your local STD code). 

2. Enter the 16-digit SBI Add-on Card number when prompted. 

3. Provide the Date of Birth (DD MM YYYY) of the Primary Cardholder. 

4. Enter the Add-on Card expiry date in MM YY format. 

5. Choose option 6 to generate PIN (if prompted in the call flow). 

6. Enter the 6-digit OTP received on the registered mobile number or email ID of the primary cardholder. 

7. Set a new 4-digit PIN and re-confirm it. 
    

You will receive confirmation on the IVR call once the PIN is successfully generated. 

Generate/Reset Add-on Card PIN via Chatbot ILA

You can also generate or reset the PIN digitally through Chatbot ILA, SBI Card’s virtual assistant. 

1. Log in to Chatbot ILA through the SBI Card website or mobile app. 

2. Type the query: “How do I generate transaction PIN for my credit card”. 

3. Select the ‘Add-on Card’ option when prompted. 

4. Click on ‘Update PIN’. 

5. Enter the OTP sent to the registered mobile number/email ID of the primary cardholder and click Submit. 

6. Enter the new 4-digit PIN twice for confirmation. 

7. Click on ‘Update PIN’ to complete the process. 
    

Once updated, the new PIN becomes active immediately for transactions on the add-on card. 

If you face hurdles during PIN setup, here are common fixes in one quick note each.

• OTP Not Received

Check your registered mobile or email for the six‑digit OTP, or request a resend after a minute. Ensure that your contact details are updated in your SBI Card profile. 

• Wrong PIN Entered Multiple Times

After three wrong tries, the card may get temporarily blocked. Call customer care to unblock the card after verifying your identity. 

• Cannot Access NetBanking or App

Clear your browser cache or reinstall the app, then log in again. If you are still stuck, use IVR or customer service helpline as a backup. 

• Add‑on Card PIN Issues

The primary cardholder must use their details for OTP verification. Ensure the add‑on card number and primary DOB are entered correctly in the IVR or chatbot. 

• Helpline or IVR Not Responding

Try alternate numbers like toll‑free options during peak hours. You can also try switching to the chatbot for instant help. 

• PIN not Working at ATM

Confirm that the PIN was set successfully via a confirmation message. Then, wait a few minutes for the system to update before retrying.

Maintaining the safety of your SBI credit card PIN is a continuous responsibility that goes beyond the initial setup. Try these simple habits: 

• Never Share Your PIN with Anyone

Even if someone claims to be from the bank, do not reveal your PIN. Genuine requests from the card issuer involve OTP verification. 

• Avoid Writing PIN on the Card

Keep your PIN only in your memory or a secure note app. Avoid writing it on paper and keeping it near the card. 

• Update PIN Regularly

Change your SBI credit card PIN every few months via any of the steps discussed above to reduce fraud risks, in case your PIN is compromised. 

• Use Different PINs for Cards

Do not reuse the same four digits across multiple cards to limit damage if one is guessed. 

• Watch for Shoulder Surfing

Cover the keypad with your hand when entering your PIN at ATMs or POS terminals in public places.

• Report Issues Immediately

If you suspect PIN misuse, block the card via the helpline, website, or app right away to stop further transactions.

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.