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Ways to Generate or Change A Credit Card PIN Online and Offline

Ways to Generate or Change A Credit Card PIN Online and Offline

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Fi Money is not a bank; it offers banking services through licensed partners and investment services through epiFi Wealth Pvt. Ltd. and its partners. This post is for information only and is not professional financial advice.


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.

What is a Credit Card PIN?

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.  

Ways to Generate and Change Your Credit Card PIN

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:

Generate/Change Credit Card PIN Online:

  • Through Net Banking

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’

  • Through Mobile Banking

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

  • Through the Bank’s Website

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.

Generate/Change Credit Card PIN Offline:

  • Through an ATM

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

  • Through IVR

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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Frequently Asked Questions

1. Can I generate my credit card PIN online?

To generate your credit card PIN online, you can choose one of the following routes:

  • Log into your lender’s Internet Banking portal
  • Log into your lender’s Mobile Banking app
  • Visit the bank’s website

2. How can I generate a PIN from mobile?

If you’re registered on the lender’s mobile banking app, simply open the app and follow these steps:

  • Log in using your user ID and password
  • Go to the ‘Credit Card’ section
  • Click on the ‘Generate PIN’ option
  • Enter the OTP received on your registered mobile number
  • Submit a 4-digit credit card PIN and reconfirm the same
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