How to Generate Credit Card Pin Online and Offline?
Credit card PIN generation can be done instantly at your convenience using mobile applications. You can also visit your card issuing bank or call customer care to have your PIN generated.
Banks and financial institutions now have their own mobile applications with information about credit cards and other related details. You can also generate your credit card PIN by visiting an ATM or via internet banking. Mobile banking and advanced technology have made credit card PIN generation easy and hassle free for users.
What is a Credit Card PIN?
A credit card PIN or Personal Identification Number is a secret four-digit code known only to its respective owner. Each time the cardholder makes a transaction, the payment gateway or PoS will require the cardholder to enter this PIN, verify the user’s identity and authenticate the transaction.
Ways to Generate Credit Card Pin
1. Using an ATM Machine
- Insert your debit card into the ATM.
- Enter your debit card number and ATM PIN.
- You’ll then be asked to generate a new ATM PIN.
- Enter your new ATM PIN.
2. Through Netbanking
- Log in to your bank’s internet banking portal.
- Browse to the “Debit Card” section of the portal.
- Select the option to “generate PIN” or “create PIN.”
- Follow the instructions provided to activate your debit card online.
What is Credit Card PIN Generation
Credit card PIN generation is the process of generating a unique PIN that will allow you to swipe your credit card and make transactions quickly. Generating a credit card PIN is a crucial step done via credit card. Whenever a new credit card is issued to the owner, they are sent a welcome kit along with the credit card, which contains confidential information required to set the PIN.
The welcome kit also includes a temporary PIN, which the holder can use to change the PIN. It is advised to change the PIN as quickly as possible to maintain financial safety.
Also Read
How to Generate Credit Card PIN Online?
It is possible to generate a credit card PIN if you have opted for net banking. You can also generate the pin by calling on the customer care executive’s number mentioned on the back of your credit card.
Alternatively, you can also generate the PIN by installing the mobile application of the card issuing company. You just need to follow some simple steps directed by the application itself.
Online credit card PIN generation is a simple process. Let’s have a look at the steps on how to create a PIN for a credit card online:
1. Through Internet Banking
The very first step of this process is that one must have their net banking account open. If not, you can do it by visiting your nearby branch or mobile application. Once you have opened your account, you can generate a credit card PIN by following some of the steps:
- Step 1: Login to your net banking account
- Step 2: Click on the option that says “credit card options”
- Step 3: After that, click on the option “change PIN”
- Step 4: The bank will send you an OTP number on your registered mobile number
- Step 5: Enter that OTP number and follow the “continue” option
- Step 6: Enter your preferred PIN, re-enter, and then click on “submit.”
You’ll finally receive a message from your bank where you’ll be notified of the same.
2. Through Mobile Application
As stated, each NBFC and bank has its mobile application, which has several features related to credit cards, including pin generation. Here are a few steps that tell you how to create a credit card PIN through an app:
- Step 1: The mobile application initially asks you to make your account on the application.
- Step 2: After logging in to your account, go to the credit card section
- Step 3: There you’ll see an option called “Change PIN.”
- Step 4: Once you click on the option, you’ll receive an OTP on your registered mobile number.
- Step 5: Enter the OTP and set up your preferred PIN
- Step 6: Your bank will notify you of the same
How to Generate Credit Card PIN Offline?
Generating PIN offline is not as cumbersome as it seems to be. It is the oldest method of generating your credit card pin. All you have to do is visit the nearby ATM and follow some instructions. Or maybe, you can also visit your respective branch, where the bank’s representative will guide you through the process. The bank will verify your application and proceed with your request.
1. Through ATM
If you want to generate your PIN through ATM, then:
- Step 1: Visit your nearby ATM and put your credit card in the ATM
- Step 2: You’ll see the option of “Create PIN using OTP.”
- Step 3: After clicking on that option, you’ll receive the OTP number on your registered phone number
- Step 4: Enter the OTP, and it’ll direct you to ‘generate pin’ where you can enter the pin of your choice
- Step 5: Re-type the PIN and click “Submit.”
Importance of Generating PIN for Credit Card
Chip and PINs in credit and debit cards were introduced in 1993 to reduce point-of-sale or PoS credit card number theft and cybercrimes. Each credit/debit card has a unique metallic chip. Along with that unique chip, the card’s rightful owner gets a secret PIN responsible for authenticating transactions.
Generating a PIN for the credit card is an essential step, as, without a PIN, no transaction can be made. If you’re unaware of your PIN, the card may be useless. However, it is advisable to keep your card with you at all times. If you forget your PIN, you can regenerate it by raising a complaint and following the due process on the credit card issuing company’s net banking or mobile app.
Who Allots the Credit Card PIN Number
When cardholders receive their credit cards from their banks, the PIN is included in the welcome kit. Although the banks allot the credit card PIN numbers, they insist that cardholders change their PIN numbers once the kit is delivered. Cardholders can generate credit card PIN by going to an ATM, and the generated PIN number should not be disclosed to any third party.
How to Change Credit Card PIN
If you want to know how to generate credit card PIN, there are two ways you can do it.
Changing a Credit Card PIN at an ATM
- Place your credit card in the ATM and choose your preferred language.
- Select “Create PIN using OTP”.
- Once you’ve selected the option, you will receive a one-time-password on your registered phone number.
- Enter the OTP on the ATM.
- You will now be able to enter the new PIN of your choice.
- Confirm your new PIN by re-entering it on the ATM and select “Submit”.
- You will receive a message from your bank that says your PIN has been changed. Contact your bank immediately if you have not changed your PIN.
Changing your Credit Card PIN through your Net Banking Account
- Login to your Net Banking Account.
- Select “Credit Card Options”.
- Select “Change PIN”.
- You will receive an OTP from your bank on your registered phone number.
- Enter the OTP and click on “Continue”.
- Enter the new PIN of your choice.
- Confirm your new PIN by re-entering it and then click “Submit”.
- You will be notified by your bank about the change in your Credit Card PIN.
Credit Card PIN Safety Precautions
It is common for everyone to note that there is some confidential information you need not disclose to anybody, even if asked. No authorised website or organisation will ever ask you about your Credit Card PIN. Apart from that, there are other preventive measures that one needs to consider:
- Do not share your credit card details with anyone. Make sure that anybody who uses it comes into your vicinity. This prevents fraudulent activities
- Never share your details via mail, texts, or SMS.
- Even if a website asks about your details, make sure that the website is authentic. Those websites start with “https”
- Do not write your PIN on the paper or the applications that operate online or require net
- Check your transactions, limits, and purchases (if made) thoroughly every month. In case of any discrepancy, immediately contact your bank.
- Change your PIN once a month and set up a strong pin each time you generate a new one.
Things to Consider
While changing your Credit Card PIN, there are a few important points to keep in mind.
- Make sure that no one is looking at your PIN while you enter it at public places.
- Your Credit Card details including your PIN, should not be disclosed to anyone, or on any online platform, SMS or email, even to individuals that claim to be banking officials.
- While using your credit card to make online payments, ensure that the website you are using it on is safe and secure.
- Ensure that your credit card is swiped only when you are present.
- Make sure that your credit card PIN is not easy to guess.
- It is advisable to go through your credit card statement regularly to keep track of your transactions.
Final word
Both banks and NBFCs provide different types of credit cards to customers. Regardless, one has to be careful with credit card PIN. Credit card pin generation can now be done at home with various online processes. Anyone having issues with the online process can generate their PIN at a nearby ATM. Credit card is an important financial instrument as it deals with significant transactions. Even with insufficient money in your account, a credit card can allow you to pay in regular installments with interest rates.
Keep reading our daily doses of financial knowledge on Navipedia. For financial products like instant cash loans, visit our portal. Also, feel free to drop a comment if you want to have a conversation with us!
FAQs
Yes, you can generate your credit card’s PIN at an ATM. You can visit any ATM near you, insert your card in the slot, and click on the option to create a PIN using OTP. Next, a secret OTP will be sent to your registered mobile number. Upon entering this OTP, you will be prompted to generate a PIN.
Generating credit card PIN is extremely important, since without having a PIN, you cannot use your credit card. A PIN is needed to authenticate transactions wherever you swipe your credit card to make a payment.
A credit card PIN is a unique code that validates your identity and authenticates a transaction. Hence, it is important that you keep your credit card PIN secret and not share it with anyone- be it friends or family.
The easiest and fastest way to generate a credit card PIN is using the mobile application of the credit card issuing company. The mobile apps have a self-serve model for setting up the credit card PIN, and can be done within a few minutes.
You have three options to generate the PIN for a new credit card.
• Use internet banking
• Use the mobile app of the credit card issuing company
• Go to your nearest ATM
Each bank has a different number and method to generate credit card PIN by SMS. However, once you receive the instructions from your bank, all you have to do is send the SMS to the number provided.
You can use your credit card without PIN while performing in-app purchases and mobile payments. Contactless payments do not require PIN either, but this is only applicable to contactless cards.
If you’ve forgotten your credit card PIN number, you can always change it via net banking, sms or at a nearby ATM.
Disclaimer
This article is solely for educational purposes. Navi doesn't take any responsibility for the information or claims made in the blog.
