Generate Credit Card PIN: How to do it online and offline?

  • Published on: 9 Nov 2023
Generate Credit Card PIN: How to do it online and offline?

Today, credit card issuers allow you to generate a credit card PIN both online and offline conveniently. The PIN code for a credit card simply refers to the unique identification number that you need to set for your credit card. Whenever you make a transaction, the POS or payment gateway needs you to enter your PIN to complete the transaction. 

Credit card PIN generation is important as it helps verify your identity while executing transactions. This, in turn, safeguards you against fraud. When you enter the PIN, the payment system matches it with your ID before facilitating the transaction. 

Read on to learn how to generate credit card PIN online and offline and more.

Steps to Generate Credit Card PIN Online

Here are the general steps you need to follow for credit card PIN generation online.

Through NetBanking

  • Step 1: Log in to your net banking account
  • Step 2: Click on the “Credit Card Options” tab
  • Step 3: Select the “Change PIN” option
  • Step 4: You will get an OTP on your registered mobile number from the bank
  • Step 5: Enter the OTP and click on the “Continue” option
  • Step 6: Type in your preferred PIN, re-enter the PIN and click on the “Submit” option

Through Mobile Application

  • Step 1: Create your account on the issuer’s mobile banking application 
  • Step 2: After logging in, navigate to the credit card section
  • Step 3: Click on the “Change PIN” or “Generate PIN” option
  • Step 4: Enter the OTP that you will get on your registered mobile number
  • Step 5: Enter your preferred PIN, re-enter it and click on the “Submit” tab

Steps to Generate Credit Card PIN Offline

Check out the steps you need to follow for offline credit card PIN generation.

Through ATM

  • Step 1: Visit the ATM of your credit card issuer and insert the card in the slot
  • Step 2: Click on the “Create PIN Using OTP” option
  • Step 3: Enter the OTP that you will get on your registered mobile number
  • Step 4: Enter a new PIN when you see the “Generate PIN” option 
  • Step 5: Re-enter the PIN and click on the “Submit” tab

Also Read: Learn To Use Credit Card Responsibly

Ways to Protect Your Credit Card PIN

Here are some ways in which you can protect your credit card password and reduce the chances of fraud.

Create a Strong PIN and Memorise it

The most important step to protect your credit card PIN is choosing a strong password. Opt for a random alpha-number combination that is difficult to guess. Avoid setting predictable, personal numbers as your credit card PIN, like your birth year. 

Also, do not write the PIN on paper or keep it in an accessible place, such as your wallet. After setting the PIN, it is best to memorise it.

Cover the ATM Keypad When Entering PIN

You should always cover the ATM keypad while entering your PIN at an ATM or making a transaction through the PoS terminal. Ensure that others don’t see your PIN, since fraudsters can memorise your hand movements and guess your PIN. 

Also, check your surroundings when entering the PIN. In case you are suspicious of someone observing or recording you, it is best to cancel the transaction.

Monitor Your Credit Card Account 

Check your credit card account periodically by reading your monthly statement. One thing to look out for is any suspicious activity or unauthorised transactions during your recent credit card billing cycle. In case you notice any discrepancy or theft, inform your credit card issuer at the earliest. 

Change Your PIN Periodically

Another strategy to adopt is to change your credit card PIN regularly. It helps add a layer of security. Try to change the PIN every three to six months. Also, do not save your credit card details on any online portal unless it is absolutely necessary.

As you can see, there are various ways to generate a credit card PIN and keep this code safe. Credit cards offer a great way to get instant access to funds to cover planned or unplanned expenses effectively. To enjoy this benefit and many more, get your hands on the newly launched Fibe Axis Bank Credit Card

You can link this numberless credit card with your UPI and make payments hassle-free. You also enjoy other benefits like up to 3% cashback on every transaction, fuel surcharge waivers, dining discounts and much more! Download the Fibe App or register on our website and apply for the card today.

FAQs on Generating Credit Card PIN

Can I change my credit card PIN online?

Yes, you can change the PIN code for a credit card online easily. You can do it through net banking or your issuer’s mobile application.

How do I get a new PIN for my credit card?

You can generate a new PIN for your credit card via online and offline modes conveniently. You can do so online through net banking or the mobile app or offline by visiting an ATM.


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