Kotak Card Pin Generation - Change, Create, & Manage Your PIN Online
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Forgot your ATM or credit card PIN? You can now change or create your Credit Card and ATM PIN with ease.

How to Change Credit Card Pin?

Credit card pin is a unique 6-digit number that is issued with your credit card. It can be used in an online purchase or for swiping at a convenience store. And just like your other passwords and pins, you may find yourself in a situation where you need to change the credit card pin. You may have just forgotten it or your credit card could be stolen or lost. Changing this unique pin can save you a lot of trouble at such times. But then, how to change a credit card Pin?

You might think that it may be a complicated process, but actually it isn’t. You can change your credit card pin through net banking or mobile banking or with the use of IVR. The process is quite simple and secure, if done through the right channels. In fact, you can change your credit card pin every once in a while for security reasons.

Before you proceed to regenerate your credit card pin, here are a few things you need to know:

  • Credit card pin can be generated only in case of active cards
  • In case your credit card is temporarily blocked, then you will have to first unblock the credit card and then proceed with the process to change the pin. You can manage your card through Card Control Option on Net Banking/Mobile Banking
  • For credit cards that are permanently blocked, it is not possible to regenerate a pin
  • Upon 3 incorrect entries of credit card details, the card will get locked automatically, so be careful while entering your details
  • If you are worried about online pin change, you can even put in the Request for Physical PIN by calling Customer Contact Centre
  • Watch out for notifications from your credit card issuer when changing the pin

Apart from these, remember to keep your mobile or laptop as well as the credit card handy.

How to Generate a Credit Card PIN?

There’s not one, but various ways in which you can change your credit card pin. Each one of these is quite simple and uncomplicated for the users. You can choose the one that suits you best.

Here’s How to Change Credit Card Pin through Netbanking:

For a credit card pin generate through netbanking follow the below mentioned steps:

  • Login to your netbanking account to begin with
  • Tap on the “Credit Cards” tab after you log in to your netbanking account
  • Go to Service Requests and then select Instant PIN Generation
  • After that enter all the necessary details and then click “Go”

Now, Here’s How to Change Credit Card Pin through Mobile Banking:

To change your credit card pin with the use of Mobile Banking follow the steps mentioned below:

  • Login to your mobile banking account to begin with, if you don’t have mobile banking app, then download it to login
  • Once you are logged in, go to the “Credit Cards” tab
  • Under the “Credit Cards” tab, you have to click on “Credit Card Service Requests”
  • Once you are through with that step, then proceed to “Instantly Generate Pin”
  • After that enter your MPIN and other necessary details
  • Submit Request and Confirm

How to Change Credit Card Pin through IVR:

 To change your credit card pin through IVR, please follow these steps:

  • Dial 1860 266 2666
  • Follow the instructions of Keya and say Generate Credit Card PIN.
  • Enter the MPIN and follow the instructions to enter the card details
  • Once this is validated, press 6 to change your existing PIN.

Credit Card PIN Safety Precautions

Credit card PIN is an essential element of your credit card. After credit card PIN generation it becomes impervious that you should ensure its proper usage and safety. To avoid the misuse of your credit card keep in mind the following things:

  • Never share your credit card details through emails, SMS services etc.
  • Always allow the swipe of your credit card in your presence. This will prevent it from being misused via skimming. Skimming is a process where your credit card details are duplicated using a skimming device.
  • Always make transactions on websites which are authentic and secure.
  • Never save your credit card details on any shopping portal or merchant website.
  • Never write your credit card PIN on your card or on a paper.
  • Make sure to go through your credit card details every month to ensure that your money is not being misused. Scrutinize the statements thoroughly.
  • Get your card replaced if used in a high risk country.
  • Do not disclose your credit card PIN to anyone, even if he/she claims to represent the bank.
  • Never give the photocopy of the front and back of your credit card to anyone for any reason, even for the application of a new credit card.

General Questions Related to Credit Card PIN

How to activate Kotak Credit Card PIN?

Congratulations on your first credit card. Now you must be looking for a way to activate it. It’s a simple process. You can call Kotak Mahindra customer care to activate your pin through IVR. Or login to your Net Banking account or Mobile Banking and activate your pin by following the simple steps.

What should I do if I have lost my credit card?

If you have lost your credit card, then it is recommended that you immediately block it. You can block your credit card through netbanking or through mobile banking. Just login to your account, go to the credit cards section, then to service requests and report lost cards.

Do online transactions also require a PIN?

For online transactions your credit card or debit card pin is not required. While shopping at an online portal, select the product you want to purchase. Then click proceed to the checkout option. Fill in the required details. Then in the payment options enter your 16 digit number, expiry date and 3 digit CVV number to confirm the purchase.

Can I change Kotak credit card PIN at any bank’s ATM?

No, you can’t change the Kotak credit card pin at any bank’s ATM. Kotak credit card takes extra precaution to keep your credit card pin safe so that no one can misuse it. If you wish to change your credit card pin you can do so with the help of online banking, mobile banking, or through IVR.


Check the terms and conditions for Kotak Mahindra Bank’s Credit Card Loans.

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