A credit card lets you make instant high-value purchases and pay later. While allowing you to utilise credit, your issuer draws up a bill based on your usage every month. As paying these bills in full prevents the build-up of interest expenses, you try to keep your credit usage to a minimum. While this can go a long way, it is also important to ensure that you are the only one benefiting from this financial tool. Steering clear of fraudulent activity helps you protect your finances from scams and debt caused by it.
One way to protect your credit card from misuse is by changing your PIN regularly. A PIN is a 4-digit identification number that is unique to the card. When transacting with a credit card, the payment system matches your user ID with your PIN and only then permits the payment. The same principle applies when you make ATM withdrawals. If your user ID and PIN do not match, your transaction will be denied. Therefore, it is very important to set a strong PIN, memorise it and change it every few months to safeguard your credit card.
Additional read: How to check credit card balance online?
Get your own Bajaj Finserv co-brand credit card.
Initially, you receive a PIN for your credit card along with the welcome kit. Once you receive the kit, change the PIN for safety purposes.
Here ishow you can change your credit card PINin two easy ways:
Change your credit card PIN at an ATM
A step-by-step process to change your credit card PIN at an ATM:
- Visit your issuer’s nearest ATM and insert your credit card in the machine
- Choose your preferred language
- Input your existing credit card PIN
- Click on the ‘Change PIN’ option
- Wait to receive an OTP on your registered mobile number
- Enter the OTP to verify
- Enter your chosen 4-digit PIN
- Re-enter the new PIN
- Click on the ‘submit’ option
Change credit card PIN through net banking
A step-by-step process to change your credit card PIN through net banking:
- Sign in to your net banking account
- From the menu, select ‘Credit Card’
- Choose the ‘Change PIN’ option
- Wait to receive an OTP on your registered mobile number
- Verify the OTP by entering it and then continue
- Enter your chosen 4-digit new PIN
- Re-enter the new PIN to verify
- Click on ‘submit’ to reset your PIN
Either way, the issuer will notify you about your change of PIN. If you receive such a notification and have not initiated this transaction, immediately contact your issuer on the credit card customer care number.
To enjoy increased safety on a credit card, apply for the Bajaj Finserv RBL Bank Credit Card that comes withzero-fraud liability and in-hand security features. The RBL MyCard app allows you to have greater control over your credit card as you can monitor all your spends and set a spending limit on the go. You can also reset your PIN within minutes by visiting the RBL Bank website, navigating to the credit card section, and clicking on ‘Set PIN’. Use an OTP to complete safety procedures and set your new PIN.
Apart from great security, the SuperCard allows you to make a 50-day interest-free ATM withdrawal and convert your purchases of Rs. 2,500 or more into easy EMIs. You can further enjoy a range of exciting and exclusive discounts from partner vendors. To benefit from exciting tailor-made deals for you,check your credit card offerand add the SuperCard to your wallet today.
Additional read: National Common Mobility Card
FAQs
Online: If you're registered for online banking, you may be able to sign in to your account and request a new PIN on the issuer's website. By Phone: Call the number you see on the back of your card to request a new PIN. You will likely have to provide personal information to confirm your identity.
How to reset Bajaj credit card PIN? ›
You can change your card PIN from the app by following these steps:
- Login to the DBS Card+ Mobile App.
- Go to 'Controls' on Cards dashboard.
- Click on Set or reset Card PIN You can also use IVR option to get your pin setup done.
Online: If you're registered for online banking, you may be able to sign in to your account and request a new PIN on the issuer's website. By Phone: Call the number you see on the back of your card to request a new PIN. You will likely have to provide personal information to confirm your identity.
How do I update my credit card PIN? ›
How to Generate Credit Card PIN?
- Log in to your internet banking account by entering your credentials.
- Visit the 'Credit Card' section and click on 'Change PIN'
- Verify your action using the OTP sent on your registered mobile number.
- Enter the new PIN of your choice twice and click on 'Submit'
To reset your credit card PIN, log into your bank's online portal or mobile app, navigate to the card services section, select 'Change PIN,' and follow the prompts. Alternatively, you can call customer service or use an ATM associated with your bank to reset the PIN.
How do I reset my card PIN online? ›
STEP-1: Login to your bank's netbanking portal using your credentials. STEP-2: Go to the 'Debit Cards' section and choose the card whose PIN you have forgotten. STEP-3: Click on 'Instant PIN Generation', where you might have to enter your card details like number, name, and CVV.
How do I find my 4 digit PIN for my credit card? ›
If your credit card actually has a PIN, it should have been in its own piece of mail, separate from your physical card. There's also a chance your credit card company will allow you to view your PIN after you sign in to your account portal online.
Can I change my card PIN online? ›
Many banks allow customers to change or reset their debit card PIN via their website or mobile app's debit help center, where to change PIN. This section is typically located online under security settings, personal settings or customer self-service.
How do I get a new PIN for my credit card? ›
Credit Card Online Services
- Log in to Credit Card Online Services.
- Select 'Account management'.
- Select 'Get a card PIN reminder'.
- Click 'Confirm' and one will be sent to you within 7-10 days.
If you're the Primary Cardholder or an Account Administrator, there are two ways you can change your PIN: Online at Manage my Visa card, or. Call us 24/7 at 604-877-4999 or 1-800-611-8472 (toll-free)
Generate the Bajaj Finserv Insta EMI Card PIN via your account
- Step 1: Log in to your Bajaj Finserv account using your credentials.
- Step 2: Navigate to the 'EMI Network Card' section.
- Step 3: Click on 'Generate PIN'.
- Step 4: An OTP will be sent to your registered mobile number.
Sign into your online account and select the account you'd like to set a PIN for. Go to Settings and locate 'Change PIN,' then select the Change PIN button. Follow the prompts to create your PIN. If you forgot your PIN, follow the same process to create a new one.
Can you change PIN on new credit card? ›
1. Using Netbanking: One of the most common ways to generate or change your credit card PIN is through net banking. All you need to do is log in to your net banking account, go to the credit card section, and select the option to generate or change the PIN.
What do I do if I forgot my card PIN number? ›
If you go to your bank in person and show up with proof of ID, you may be able to have your debit card PIN reset on the spot. But if you can't make it over to your bank, you may, for security reasons, need to wait for your bank to mail you a letter with your new PIN.
How to generate a credit card PIN online? ›
NetBanking
- Step1. Login to NetBanking with your User ID and IPIN.
- Step2. Post logging into NetBanking, click on "Cards" tab on top.
- Step3. On the left hand under Request option, select " Instant PIN Generation ".
- Step4. Select credit card number from drop down and Enter 4 digit pin of your choice.
- Step5.
You can create or change your credit card PIN by calling 1-888-891-2435. Remember, a PIN is not necessary for credit card purchases; you can use the PIN for cash advances at ATMs (refer to our Visa Account Disclosure for the current cash advance fee).
How to reset Bajaj Finserv EMI card PIN? ›
To update your Bajaj Finserv EMI Network Card PIN number, follow these steps:
- Log in to your Bajaj Finserv online account through the official website or mobile app.
- Go to the 'EMI Network Card' section.
- Select 'Update PIN' and follow the on-screen instructions to set a new PIN.
How to Reset Punjab National Bank Credit Card PIN?
- Login to the PNB's Retail Net Banking account using valid User ID and Password.
- Once you log in click on “Credit Card” option.
- Tap on “Change PIN” option.
- To validate the transaction PNB shall send One-Time Password (OTP) on your registered mobile number.
If you are at the ATM and realise “I forgot my ATM Card PIN number” after putting your card inside the machine, do not worry. Choose Forgot PIN or Regenerate ATM PIN option on the menu. You would be redirected to a screen to enter your registered mobile number, which triggers an OTP to that number.
How to reset PIN for dbs credit card? ›
- Log in to digibank online with your User ID & PIN. ...
- Complete the Authentication Process. ...
- Under Cards, click on Reset Card PIN. ...
- Select the Card you would like to reset PIN for. Enter your New card PIN and click Submit. ...
- You have successfully reset your Card PIN.
