Credit Card PIN Generation

Credit Card PIN is a 4-digit or in some cases a 6-digit unique identification number that is assigned to a specific card. Whenever you use your card for any particular transaction, you are required to enter the PIN. The payment system matches the PIN and the user ID before giving authorization for facilitating any transaction. In this way, the banks ensure that every transaction made using a credit card is safe and secure.

It is advised not to share your Credit Card PIN with anybody to avoid any fraudulent transactions. Also, keep changing your PIN at least every 6 months to ensure your credit card is less susceptible to misuse.

Your credit card issuer provides you with the credit card PIN in your welcome kit. However, it is advisable to change your PIN once you receive the welcome kit. Your credit card PIN should be kept confidential to avoid any misuse.

You can generate your Credit Card PIN both online as well as offline. Opt for any of the below-mentioned methods as per your convenience-

ONLINE	OFFLINE
Internet Banking Mobile App Bank’s Website Email	ATM Branch Phone Banking (through IVR)

Generating Credit Card PIN via Internet Banking

Follow the below-listed steps-

Step 1- Login to your net banking account using your User ID and Password.

Step 2- Go to the “Credit Card” section and click on the “Change PIN” option.

Step 3- Enter the OTP received on the registered mobile number.

Step 4- Enter the PIN of your choice.

Step 5- Re-enter the PIN and submit.

The bank will notify you after your PIN has been generated.

Generating Credit Card PIN via Mobile Application

Follow the below-listed steps-

Step 1- Login to your bank’s mobile app using your User ID and Password.

Step 2- Go to the “Credit Card” section and click on the “Change PIN” option.

Step 3- Enter the OTP received on the registered mobile number.

Step 4- Enter the PIN of your choice.

Step 5- Re-enter the PIN and submit.

Generating Credit Card PIN via Bank’s Official Website

Follow the below-listed steps-

Step 1- Visit the official website of your bank. Only a few banks provide this method of generating credit card PIN. Check with your bank before proceeding for the same.

Step 2- Go to the credit card PIN change page and proceed further.

Step 3- Enter your credit card number, card expiry date and CVV. 

Step 4- Enter the PIN of your choice.

Step 5- Re-enter the PIN and submit.

The bank will notify you when the process has been completed.

Note: The steps to change/generate credit card PIN may vary from bank to bank.

Generating Credit Card PIN by sending Email

Many banks allow users to generate credit card PIN by sending an email. All you need to do is send a request of PIN generation on the official email id of your bank. The bank will then contact you for further processing.

Generating Credit Card PIN by visiting ATM

Follow the below-mentioned steps-

Step 1- Visit your nearest ATM and insert your credit card in the ATM machine.

Step 2- Click on “Create PIN using OTP”

Step 3- Enter the OTP received on your registered mobile number.

Step 4- Enter 4-digit PIN of your choice.

Step 5- Re-type the PIN and click on “Submit”.

The bank will then send you a message after the PIN has been generated.

Generating Credit Card PIN by visiting Bank Branch

You also have the option to visit your nearest bank branch. All you need to do is go to the bank’s representative and request the representative for PIN generation. The bank will verify your application and proceed with your request.

Generating Credit Card via Phone Banking (IVR)

Some banks also provide you the option of generating credit card PIN via Phone Banking (IVR). 

You can change your credit card PIN either via net banking account or by visiting the nearest ATM. 

• You can regenerate the PIN for a credit card through the net banking facility of your credit card provider

• You will be able to generate a new PIN through IVR for some of the banks

To ensure the safety of your credit card from fraudsters, hackers and scammers, follow the safety measures as listed below-

Credit Card PIN Safety Precautions

Make sure that your credit card is swiped in your presence. Following this safety measure will reduce the chances of skimming and other fraudulent activity Make sure that no one is able to see your PIN while entering the PIN at a merchant’s shop Never share the essential details of your credit card like the credit card number or CVV number with anyone including bank employees Avoid sharing credit card details over social networking sites, email or SMS Before using your credit card for an online transaction, ensure that the website is secure Avoid saving your credit card details such as credit card PIN and passwords on the merchant’s website Once you start using the credit card, change the PIN for security purposes When you change your credit card PIN make sure that it is not an obvious combination of your date of birth which is easy to guess You must read through your entire credit card statement each and every month to verify that your credit card is not misused

Should I always have a PIN number to use a credit card?

Many times online transactions and international transactions do not require a PIN. Also, if your credit card supports contactless payment then you won’t require a PIN on transactions up to a certain amount.

Can you withdraw money from a credit card without PIN?

No, in order to withdraw money from an ATM you will have to provide your credit card PIN.

What is a credit card PIN number?

PIN stands for Personal Identification Number. It is a security feature that is required when making transactions using a credit card. A PIN is mostly required when making ATM withdrawals or Point of Sale (POS) purchases. You should not share your PIN with anyone to safeguard your money from fraudulent transactions.

How do I get my credit card PIN number?

You have to set your own PIN upon receiving the credit card. However, some card providers like American Express will issue a PIN if you do not assign a PIN within a stipulated time limit.

Will my virtual credit card have the same PIN as my actual credit card?

For safety reasons, the credit card PIN for your virtual credit card will be different as well.

What is a CVV number? 

The CVV number is the 3-digit number on the back of your card. You will be required to use the 3-digit number as part of the verification process for most online transactions.

 

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