BOB Credit Card PIN Generation

As a safety measure for credit card transactions, authorising the transactions with a PIN, i.e., Personal Identification Number, was made mandatory. When the PIN is entered, the payment system verifies the credit card number with the PIN. If it matches, then the transaction is processed. Otherwise, the transaction will be declined. Bank of Baroda has provided various customer-centric methods for BOB Credit Card PIN Generation. You can learn the details of the PIN generation from this article.

Procuring a credit card if you suffice the criteria set out by the bank is one step. The credit card will extend the benefit of providing the funds for your daily expenses with a 'Pay Later option. Identifying the authenticity of the transactions to avert misuse of the credit card by miscreants became the sole priority of the banks. Entering a PIN to authenticate credit card transactions became mandatory. Earlier, the banks used to generate a PIN for every credit card and sent the credit card and the PIN in two different consignments as a safety measure. Now there are various user-friendly methods devised for PIN generation. Bank of Baroda also provides different methods for the BOB Credit Card PIN generation for the customers to choose a method that suits their convenience. 

#1. BOB Credit Card PIN Generation through Internet Banking

You will have to first register your BOB Credit Card for net banking following the procedure given below.

• Access the official website of the bank
• Sign up for net banking
• You will receive an OTP on your registered mobile number.
• Enter the OTP for authorisation.
• Click on proceed.
• Create a user ID for your account and set a password, and click on the 'Proceed' page.
• You will be redirected to the login page.
• Enter your user ID and the CAPTCHA
• Click on 'Confirm', and the net banking registration will be complete.

After the registration of the credit card is complete, you can set a credit card PIN as given below.

• Log in to your Bank of Baroda net banking account with login credentials.
• Go to the 'Services' option.
• Click on the Set/Reset Credit Card PIN option.
• Provide the credit card details like credit card number, expiry date and CVV and the date of birth that matches with the bank's records
• Create a new PIN and click on 'Submit.'
• Enter the OTP sent to your registered mobile number for validation
• The PIN will be successfully generated, and you can enter the same for all your credit card transactions.

#2. BOB Credit Card PIN Generation through ATM

• Visit any Bank of Baroda ATM.
• Insert your credit card in the slot provided,
• Select 'Set/Reset PIN' option
• Enter the OTP received on your registered mobile number.
• You will be prompted to enter the new PIN.
• Create a four-digit PIN.
• Re-enter the PIN to confirm and click on the 'Submit' button.
• PIN generation will be completed and ready to use for all your credit card transactions.

#3. BOB Credit Card PIN Generation through IVRS

The steps for BOB Credit Card PIN Generation via IVRS are given below.

• Call the BOB Credit Card Customer Care helpline on the toll-free numbers.

1800 258 4455 or 1800 102 4455

• Once connected, enter the 16 digit credit card number.
• Choose the option for Credit Card PIN set/reset.
• Dial-in your date of birth as mentioned while applying for the credit card
• Enter the OTP received to authenticate the transaction.
• Then enter the four-digit PIN for your credit card.

#4. BOB Credit Card PIN Generation through Mobile Banking

BOB Mobile Banking also supports BOB Credit Card PIN generation. You should follow some simple steps for the generation of the PIN.

• If you have not downloaded the BOB mobile app, you should start the process by downloading the mobile app on your phone.
• Log in to the app with the login credentials.
• Go to the 'Select Credit Cards' option and then to the 'Services' option.
• Select the 'Credit Card' option and then go for the PIN generation
• Enter the credit card details like credit card number, expiry date and CVV and then proceed by clicking the 'Continue' button
• Enter the OTP sent to your registered mobile number for validation.
• At this stage, a popup message on the screen will appear for the successful generation of the PIN.

#5. BOB Credit Card PIN Generation through Customer Care

If you prefer offline modes for credit card PIN generation, you can call the BOB Credit Card Customer Care helpline at 1800 258 4455 or 1899 102 4455 and place a request for PIN generation. The Customer Care Executive will ask you for your preferred language, date of birth, credit card details and any other information for identification. Once verified, the request will be accepted, and you will be given instructions for generating the PIN, which you should follow.

BOB Credit Card PIN generation by SMS is also possible. You will have to send a PIN generation request in the predefined format to 92231 72141. You will get a response via SMS. Any call or SMS to the Credit Card Customer Care should be through your registered mobile number. Calls from unregistered mobile numbers will not be entertained, and you will get a request failed message.