From swiping your credit card at the gas station to withdrawing cash from the ATM, most transactions require your credit card PIN to validate approval. But how do you get a PIN? And what happens if you forget this PIN? Generating and resetting your credit card PIN is pretty simple. Find out the steps for both in the following sections.
Your credit card PIN (Personal Identification Number) is a 4-digit passcode used to confirm your identity as the cardholder. This PIN is like a unique digital signature essential to authorise transactions. When you enter your credit card PIN to authorise transactions, the system matches the PIN with your user ID. This PIN authentication process protects the card from fraud and theft.
Wondering how to generate your credit card PIN? Worry not since we’ve listed all the ways of credit card PIN generation below. While this process can vary from one lender to the next, most offer the following online and offline methods of generating and changing your credit card PIN:
Step 1: Log in to your net banking account using your credentials
Step 2: Click on the ‘Credit Card’ tab
Step 3: Select the ‘Generate PIN’ or ‘Reset PIN’ option based on your need
Step 3: Verify your identity with the OTP sent to your registered number
Step 4: Enter a PIN, reconfirm the same, and click ‘Submit’
Step 1: Log into your lender’s mobile banking app
Step 2: Go to the credit cards section, select your card and click on the ‘Generate/Change PIN’ option
Step 3: Enter the OTP code to verify this action
Step 4: Input your new PIN and confirm the same
Step 1: Visit your lender’s website and go to the ‘Credit Card PIN Change’ page
Step 2: Enter a few basic details like your card number, CVV, and expiry date
Step 3: Authenticate the action with the OTP sent to your registered phone number
Step 4: Pick an easy-to-remember PIN and re-enter the same
Note: Steps may vary slightly depending on your lender.
Step 1: Visit your lender’s nearest ATM, insert your card, and click on the ‘Generate PIN using OTP’ option
Step 2: Input the OTP you receive on your registered phone number
Step 3: Set and confirm your new PIN
Step 1: Call your lender’s toll-free customer care number
Step 2: Follow the instructions mentioned on the automated call to generate or change your PIN
Step 3: Enter essential credit card details and generate an OTP
Step 4: Share the OTP received on your registered number
Step 5: Set a PIN of your preference
Remember to keep your credit card PIN confidential to ensure safety regardless of which method you choose. Once you’ve generated a new PIN, you can exploit the offers and rewards on the card. And, if you wish to enjoy best-in-class rewards and offers, here's something for you!
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To generate your credit card PIN online, you can choose one of the following routes:
If you’re registered on the lender’s mobile banking app, simply open the app and follow these steps: