Every credit card is secured with a 4-digit chip and PIN system. This system makes transactions that are made using this card safe and secure. In fact, this system plays a significant role while withdrawing money from ATMs also. By definition, it a 4-digit unique identification number that is assigned to a particular card of a user. While using the card, the cardholder needs to enter the PIN. The payment system matches the PIN and the user ID before giving permission to the customer to make any transaction. It is a measure that is taken by the banks to secure one's credit card. Hence, the PIN should not be shared with anybody.
How to Activate a Credit Card?
Credit card activation is another important step in using your credit card for the first time. Most of the banks or card issuers, send a new credit card in active state. However, only when you generate the PIN, you can start using your credit card.
Earlier, when banks used to generate credit card PINs, there used to be a separate card activation process. But now with the introduction of green PIN and self-PIN generation, cards are being sent in active state.
Therefore, once you receive the new credit card, try any one of the above-mentioned methods to generate the PIN and use your card for PIN-required transaction such as ATM withdrawal, POS transaction, etc. Once you use your credit card for the first time, your card gets activated automatically.
If you find any difficulty in using your card with the new PIN and when you're sure of using the correct PIN, call the respective credit card customer care and report the issue.
Other Banks Credit Card PIN
- Generate SBI ATM PIN
- All about Green PIN
- SBI Credit Card PIN Generation
- HDFC Credit Card PIN Generation
- PNB Credit Card PIN
- Axis Credit Card PIN Generation
- IndusInd Credit Card PIN Generation
- Kotak Credit Card PIN Generation
- SC Bank Credit Card PIN Generation
- Citibank Credit Card PIN Generation
- Indian Bank Green PIN
- RBL Bank Credit Card PIN
- Yes Bank Credit Card PIN Generation
Who Allots the PIN Number
Banks provide the cardholders with the PIN of their credit card in the welcome kit. However, banks insist that the cardholders change the PIN once they receive the kit by going to an ATM. The PIN should be kept confidential under every circ*mstance.
How to Generate a Credit Card PIN
Customers can generate a credit card PIN either at an ATM or via their online net banking account.
Generating a Credit Card PIN at an ATM
Step 1: Insert your credit card in the ATM machine and choose the language of your preference.
Step 2: Click on 'create PIN using OTP'
Step 3: As soon as you click on that, a 'One Time Password' will be sent to your registered mobile number.
Step 4: Enter the OTP.
Step 5: Now, type in a 4-digit PIN of your choice.
Step 6: Re-type the PIN and click on 'Submit'.
Step 7: The bank will then send you a message that your PIN has been generated. Contact the bank if you haven’t attempted to change your PIN.
Generating a Credit Card PIN via your Net Banking Account
Step 1: Login to your net banking account.
Step 2: Click on 'credit card options'
Step 3: Click on 'Change PIN'.
Step 4: The bank will then send you an OTP to your registered mobile number.
Step 5: Enter the OTP and click on 'continue'.
Step 6: Enter the PIN of your choice.
Step 7: Re-enter the PIN and click on submit.
Step 8: The bank will then notify you that your PIN has been generated.
How to Change your Credit Card PIN
Customers can change their credit card PIN either through their net banking account or at an ATM.
Changing a Credit Card PIN at an ATM
Step 1: Insert your credit card in the ATM machine and choose the language of your preference.
Step 2: Enter your existing credit card PIN
Step 3: Click on 'change PIN'
Step 4: As soon as you click on that, a 'One Time Password' will be sent to your registered mobile number.
Step 5: Enter the OTP.
Step 6: Now, type in a 4-digit PIN of your choice.
Step 7: Re-type the PIN and click on 'Submit'.
Step 8: The bank will then send you a message that your PIN has been changed. Contact the bank if you haven’t attempted to change your PIN.
Changing your Credit Card PIN through your Net Banking Account
Step 1: Login to your net banking account.
Step 2: Click on 'credit card options'
Step 3: Click on 'Change PIN'.
Step 4: The bank will then send you an OTP to your registered mobile number.
Step 5: Enter the OTP and click on 'continue'.
Step 6: Enter the PIN of your choice.
Step 7: Re-enter the PIN and click on submit.
Step 8: The bank will then notify you that your PIN has been changed. Contact the bank if you haven’t attempted to change your PIN.
Credit Card PIN Safety Precautions
To ensure the safety and confidentiality of your credit card from fraudsters and hackers, follow the safety precautions mentioned below:
- Ensure that your credit card is swiped in your presence. This will prevent chances of skimming (duplicating the details of the card using a skimming device) or any fraudulent activity.
- Never share your credit card details through emails, SMS services, etc.
- Always ensure that the websites you are making online transactions are secure. Websites starting with 'https' are generally authentic and secure.
- Never save your credit card details on any merchant websites.
- At no point should your write down your credit card PIN on your card or on a paper.
- Make sure you go through your credit card details every month to ensure that your money is not being misused or to check if there are any discrepancies.
- Get free monthly credit fitness reports with real time dashboard to keep a track of all the spends and your credit score by availng the FinBooster: YES Bank-BankBazaar Co-branded Credit Card.
FAQs on Credit Card PIN Generation
- What is a credit card PIN?
A credit card PIN is a four-digit personal identification number that is used to validate the credit card holder's identity. Entering the PIN is mandatory to make transactions.
- Will the credit card PIN be the same for my credit add-on card as well?
No, you will receive a separate PIN for your add-on cards. This will enhance your security as well.
- Do all credit cards come with reward points?
Yes, all credit cards come with rewards points as it is sort of an incentive for using your credit.
- Will my virtual credit card have the same PIN as my actual credit card?
For safety reasons, the credit card PIN for your virtual card will be different as well.
- What is a CVV number?
The CVV number is the three-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.
- What is the first thing that I should do if my credit card is lost or stolen?
You should block your card immediately. This will ensure that no one can misuse your credit card. You can block your credit card by calling your bank’s customer care or through your net banking account - which can be done with a few steps.
- Is it possible to withdraw money from an ATM without entering my credit card PIN?
No, withdrawal of cash from an ATM is not allowed without entering the credit card PIN.
- How can I obtain my credit card PIN?
The credit card issued to you will come with a welcome kit. This welcome kit has a confidential document that contains your credit card PIN. You should, however, change your credit card PIN immediately after you get it.
- What if I share my credit card PIN with someone else?
If you disclose your credit card PIN to another person, the chances of your card being misused for fraudulent transactions are very high. Therefore, you must never share your credit card PIN with anyone.
- Can I generate my credit card PIN online?
Yes, you can generate your credit card PIN online.
Types of Credit Card
Credit Card by Banks
- Axis Bank Credit Card
- HDFC Bank Credit Card
- Kotak Bank Credit Card
- SBI Credit Cards
- HSBC Credit Card
- IndusInd Bank Credit Card
- RBL Bank Credit Card
- Standard Chartered Credit Card
- Citibank Credit Cards
- YES Bank Credit Card
- Canara Bank Credit Card
- Punjab National Bank Credit Card
- Bank of Baroda Credit Card
- IDBI Credit Card
- Syndicate Bank Credit Card
- Vijaya Bank Credit Card
- Union Bank of India Credit Card
- Oriental Bank of Commerce Credit Card
- Bank of India Credit Card
- Andhra Bank Credit Card
Articles on Credit Card
- How to Check Credit Card Status
- How to Manage Multiple Credit Cards
- Best Credit Card for Poor Credit
- How to get Credit Card without Job
- Credit Card Insurance Benefits
- How to Apply for Lost Credit Card
- Reasons for Credit Card Rejection
- Advantages & Disadvantages of Credit Card
- Difference between Credit Card & Debit Card
Credit Card Customer Care
- SBI Credit Card Customer Care
- HDFC Bank Credit Card Customer Care
- Axis Bank Credit Card Customer Care
- IndusInd Bank Credit Card Customer Care
- Citibank Credit Card Customer Care
- PNB Credit Card Customer Care
- RBL Bank Credit Card Customer Care
- Kotak Credit Card Customer Care
- Yes Bank Credit Card Customer Care
- Standard Chartered Credit Card Customer Care
- Canara Bank Credit Card Customer Care
- HSBC Credit Card Customer Care
- Andhra Bank Credit Card Customer Care
- Indian Bank Credit Card Customer Care
- Corporation Bank Credit Card Customer Care
- Allahabad Bank Credit Card Customer Care
- Bank of Baroda Credit Card Customer Care
- Bank of India Credit Card Customer Care
- Union Bank of India Credit Card Customer Care
Credit Card Bill Payment
- Credit Card Bill Payment
- SBI Credit Card Bill Payment
- HDFC Credit Card Bill Payment
- Axis Bank Credit Card Bill Payment
- IndusInd Credit Card Bill Payment
- Kotak Credit Card Bill Payment
- Citibank Credit Card Bill Payment
- Standard Chartered Credit Card Bill Payment
- RBL Bank Credit Card Bill Payment
- HSBC Credit Card Bill Payment
- PNB Credit Card Bill Payment
- Canara Bank Credit Card Bill Payment
- Andhra Bank Credit Card Bill Payment
- Bank of Baroda Credit Card Bill Payment
- Bank of India Credit Card Bill Payment
- Union Bank Credit Card Bill Payment
Credit Card Eligibility
- Credit Card Eligibility
- SBI Credit Card Eligibility
- HDFC Credit Card Eligibility
- Axis Bank Credit Card Eligibility
- Yes Bank Credit Card Eligibility
- Citibank Credit Card Eligibility
- IndusInd Bank Credit Card Eligibility
- HSBC Credit Card Eligibility
- Kotak Credit Card Eligibility
- Canara Bank Credit Card Eligibility
- Standard Chartered Credit Card Eligibility
- RBL Bank Credit Card Eligibility
- Bank of Baroda Credit Card Eligibility
- Union Bank Credit Card Eligibility
- Corporation Bank Credit Card Eligibility