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Forgot your PIN? Easy Steps to Change your Credit Card PIN Number

By Finserv MARKETS - Nov 15,2021
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I forgot my Credit Card PIN

Once you receive a credit card, the issuing bank mandates generation of a four-digit numerical Personal Identification Number (PIN). This is to ensure the safety of your transactions. While making any payment through your credit card, you need to authenticate the transaction by providing your unique PIN. The PIN is also required while withdrawing money, via your credit card, from an ATM. To prevent unauthorised card usage, you should not share the PIN. But, what to do if you forget your credit card PIN? Well, if you forgot a credit card PIN, the foremost step is to stop panicking.  Credit card issuing banks, such as SBI, Axis Bank, Citibank and RBL, have a simple process to facilitate instant PIN generation. Here’s a look at the steps required to change your PIN number. 

How to Change PIN in SBI Credit Card?

If you forgot an SBI credit card PIN, you can generate a new PIN either online or through the offline process. To get a new PIN online, you need to follow the steps given below:

  1. Log in to your online account.
  2. Select ‘My Account’ and click on ‘Manage Pin.’
  3. Now select your SBI credit card.
  4. You will now receive an OTP on your registered phone number. 
  5. Provide the OTP and enter a new numeric PIN.
  6. Click on ‘Submit.’
  7. Your new PIN has been generated. Use it for all future transactions. 

To get a new PIN offline, you are required to:

  1. Call the SBI toll-free number 1860-180-1290.
  2. Select the option to generate a new PIN.
  3. Provide your date of birth along with your credit card details.
  4. You will receive an OTP. Provide it to validate your IVR transaction. 
  5. Enter the new PIN.
  6. Your new SBI PIN has now been generated. 

How to Change PIN in Axis Bank Credit Card?

If you forgot an Axis Bank credit card PIN, you can generate a new PIN online through net banking and the mobile banking app. To change your Axis credit card PIN using offline methods, you can use phone banking or visit an ATM. Here’s a look at the processes involved:

To generate an Axis Bank PIN via net banking, you are required to:

  • Log into your Axis Bank account.
  • On the Accounts tab, click on ‘My Credit Cards.’
  • Select the option of ‘More Services.’
  • Select ‘Credit Card Pin Change’ and click on ‘Go.’
  • Enter your new PIN and select ‘Next.’
  • You will now receive a verification code.
  • Provide the code and click on ‘Confirm.’
  • You have now created a new PIN. 

To generate a new PIN via the Axis Bank mobile app, you are required to:

  • Log in to the app.
  • From the Banking menu, select ‘Services.’
  • Click on ‘Credit Card’ and select ‘Reset Pin.’
  • You will receive an OPT. Provide it and click on ‘Continue.’
  • Enter your new PIN and click on ‘Continue.’
  • Authenticate with your mPIN. 

To generate a new Axis Bank PIN through phone banking, you must follow the steps given below:

  • Call Axis Bank Customer care toll-free number at 1860-419-5555/1860-500-5555.
  • Choose Pin related services.
  • Select the option for credit card PIN generation.
  • Enter your credit card number, expiry date and registered phone number.
  • You will receive an activation code.
  • Provide it and enter the new PIN. 
  • Your new PIN has been generated. 

To generate a new Axis Bank PIN through an ATM, refer to the following steps:

  • Insert your card and select the option to ‘Set Pin.’
  • Enter your activation code or OPT.
  • Enter your new PIN and confirm it.
  • You will receive a confirmation message on your registered mobile number. 

How to Change PIN in Citibank Credit Cards?

If you forgot a Citibank credit card PIN, you can change it online through internet banking. You can also generate a new PIN offline by visiting an ATM or through IVR/phone banking. Here’s a look at the different methods: 

To change your Citibank card PIN through net banking, follow the steps given below:

  • Log into your online banking account.
  • Select ‘Credit Cards.’
  • Click on the option to change the pin.
  • You will receive an OTP.
  • Enter it and set your desired PIN.
  • Confirm the new PIN and click on ‘Submit.’
  • Your new Citibank credit PIN has now been generated. 

To generate a new Citibank credit card PIN by visiting an ATM, you are required to:

  • After inserting your Citibank credit card and selecting the desired language, select the option of ‘Create PIN using OPT.’
  • Once you receive an OTP, enter it and set your desired PIN.
  • You must confirm the new PIN.
  • You will receive a confirmation message on your registered mobile number.

To change your Citibank credit card using IVR, call the toll-free number 1860-210-2484 and follow the steps given below:

  • Enter the requisite credit card details.
  • Choose the option for credit card PIN change.
  • Provide your date of birth.
  • You will receive an OTP. 
  • Provide the OTP and set your desired PIN. 

How to Change PIN in RBL Credit Card?

If you forgot an RBL credit card PIN, you generate a new PIN online through net banking and the RBL banking app. If you prefer offline methods, you can use phone banking or make a physical visit to an ATM. Read on to know about these methods:

To change your RBL credit card PIN through net banking, you are required to:

  1. Visit RBL bank’s official webpage to change your credit card PIN:https://www.rblbank.com/creditcard-pin-change 
  2. Provide your RBL credit card details, including the 16-digit credit card number and expiry date.
  3. Select the option to ‘Send OTP.’
  4. Provide the OTP and set your desired PIN.
  5. Confirm it and click on ‘Change PIN.’
  6. Your RBL Bank credit card’s new pin has now been successfully generated. 

To change your RBL credit card PIN through the RBL Bank My Card app, you are required to:

  1. Log in to the RBL Banking App
  2. Select your credit card and choose the option for PIN change.
  3. You will receive an OTP.
  4. Enter it and set your new PIN.
  5. Confirm the new PIN.
  6. Your new PIN has been created.

To generate a new RBL Bank credit card PIN via phone banking, you need to follow the steps given below:

  1. Call the toll-free number at 1800-121-9050.
  2. Provide your credit card details.
  3. Upon successful verification through IVR, you will receive an OTP.
  4. Enter it and reset your PIN.
  5. Confirm the new PIN.
  6. You have now changed your credit card PIN. 

To change your RBL credit card PIN by making an ATM visit, you are required to:

  1. Insert your card and select the option to reset your PIN.
  2. You will receive an OTP.
  3. Enter it and set your desired PIN.
  4. Confirm your PIN.
  5. Your new PIN has been generated. 

Keep your PIN Confidential and Secure

Be it shopping online or making offline purchases, your credit card PIN keeps every transaction secure. Besides, the secret numerical code prevents any other individual from using your card. So you must keep your PIN confidential. To prevent online frauds, change your PIN regularly and don’t use common numeric codes, such as ‘0000’, ‘1234’. Also, avoid using easy numeric codes, like your birth year. 

The Bottom Line

Most of us have faced the predicament: ‘I forgot my credit card PIN, what next?’ Well, you can relax. The issuing banks provide simple solutions – both offline and online – to change or reset your PIN instantly.

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