Credit Card PIN Generation

A credit card PIN (Personal Identification Number) is a four-digit code which is required to verify the identity of the credit card holder. Entering the credit card PIN is mandatory (except in the case of contactless credit cards) to complete a transaction. A credit card PIN ensures a safe and secure transaction. When you enter your card’s PIN, the payment system automatically matches it with your user ID before completing the transaction. This is how financial institutions ensure that every transaction carried through your card is authorised by you only.

Updated: 13-02-2024 11:20:21 AM

How to Generate a Credit Card PIN?

Customers can generate a credit card PIN through various methods, such as from an ATM, internet banking account, mobile app, bank’s website, email, etc.

When you get your new credit card, you will receive a welcome kit from the credit card issuer. This kit contains a confidential document including your PIN. This PIN can be used for initial transactions, but you will have to change your PIN at the earliest.

Online Method to Generate Credit Card PIN:

Credit Card PIN Generation through Internet Banking
- Log in to the net banking account of your bank by entering your Customer ID/ User ID and Password/ IPIN.
- Open the ‘Credit Card’ section and then click on ‘Change PIN’.
- Now verify your request using the OTP received on your registered mobile number.
- Type the new PIN of your choice twice and then click on the ‘Submit’ button.
Credit Card PIN Generation through Mobile App
- Download and log in to your credit card issuer’s mobile banking app.
- Then open the ‘Credit Card’ section and click on the ‘Change PIN’ option.
- Enter the OTP received on your registered mobile number for identity verification.
- Enter the new PIN of your choice twice.
- Click on the ‘Submit’ icon.
Credit Card PIN Generation through the Lender’s Official Website
- Visit your bank’s official website and log in to your online account using your credentials.
- Open the ‘Credit Card PIN change’ section.
- Now enter your credit card details, like credit card number, CVV, date of expiry, etc.
- Enter and re-enter a PIN of your choice.
- Click on the ‘Submit’ icon.
Credit Card PIN Generation through Email
- Write an email requesting the concerned bank to generate a PIN for your card.
- Send the email to the official email address of the credit card issuing company.
- The banking officials will contact you for further steps on receiving the email.

Offline Method to Generate Credit Card PIN:

Credit Card PIN Generation through ATM
- Visit the nearest ATM and insert your credit card into the ATM machine.
- Choose the ‘Create PIN using OTP’ option on the screen.
- Enter the OTP received on your registered mobile number.
- Now set the new 4-digit PIN of your choice and re-enter the PIN.
- Click on the ‘Submit’ button.
Credit Card PIN Generation through Bank Branch
- Visit the nearest branch or your credit card issuing bank and get in touch with a bank official.
- Submit your request for credit card PIN generation.
- The bank will verify your details and process your request.

Table of Contents: Credit Card PIN Generation[Hide]

Who Gives the Credit Card PIN Number?
How to Change Credit Card PIN?
Things to Keep in Mind about Credit Card PIN Generation
Credit Card PIN Generation Of Different Banks
FAQs

Who Gives the Credit Card PIN Number?

Credit card issuers provide the cardholders with the PIN for their credit card in the welcome kit. However, card providers insist customers on changing their PIN by going to an ATM once they receive the kit. The PIN set by the customer must be kept confidential under all circumstances.

How to Change Credit Card PIN?

You can change your credit card PIN through your net banking account or from an ATM. The processes for both are explained below:

Changing Credit Card PIN Online through Net Banking Account

Log in to your net banking account and click on the 'credit card’ option.
Click on 'Change PIN'.
The credit card provider will send you an OTP to your registered mobile number.
Enter the received OTP in the given space and then click on 'continue'.
Now enter and re-enter a PIN of your choice.
Click on the ‘submit’ icon.
The card provider will notify you that your PIN has been changed successfully.

Changing Credit Card PIN at an ATM

Visit the nearest ATM and insert your credit card into the ATM machine.
Choose a preferred language.
Enter your credit card’s existing PIN.
Click on the 'change PIN' tab.
Enter the OTP sent to your registered mobile number.
Now, type and re-type a 4-digit PIN of your choice.
Click on 'Submit'.
The bank will send you a message that your PIN has been changed successfully.

Things to Keep in Mind about Credit Card PIN Generation

While generating or changing your credit card PIN, you must keep into consideration the following things:

Make sure that your credit card is swiped only in your presence, to prevent skimming or any fraudulent activity.
Make sure that the websites or mobile apps where you are making any online transaction, are secure. Usually, websites starting with 'https' are authentic and secure to use.
Never share your credit card details (such as your credit card number, expiry date, CVV, etc.) on calls, emails, SMS, social media, or on any merchant websites.
Never write down your credit card’s PIN on your card, paper or any visible platform.
Go through your credit card details regularly to ensure that your card is not being misused.
Make sure that no one peeps on your PIN when you enter it at any merchant store.
Do not to save your credit card details on any online portal.
Change your PIN once you begin using your card.
Never use a PIN that is easy to guess, such as a combination of your birth date, your mobile number, etc.
Check your credit card statement thoroughly every month to ensure that there are no unnecessary transactions.