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BOB Credit Card PIN Generation

PIN, which is a 4-digit unique identification number, is like a safety lock for your credit card funds. No transaction will be complete without the PIN. POS, as well as online transactions, will be incomplete without a PIN. Bank of Baroda has provided various methods for BOB Credit Card PIN generation that are customer-centric. Read on to be informed about modes for PIN generation

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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.

Methods of BOB Credit Card PIN Generation

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.

Safety Tips for BOB Credit Card PIN

A PIN is the only way that the system identifies the cardholder and authenticates the transaction. It is obvious that the security of the PIN is very crucial. Here are some of the tips to safeguard the secrecy of your PIN.

  • Never note down your PIN anywhere. There are chances of misuse if it falls into the wrong hands.
  • If you feel that the PIN is compromised or anyone other than you has come to know the PIN, then you immediately reset the PIN.
  • It is recommended to change your PIN at regular intervals.
  • While resetting your PIN, do it wisely.
  • Do not share your PIN with even your close family members and even bank staff. If someone poses as a representative from the bank and asks for sensitive information like user ID and PIN, please do not divulge the information. Bank of Baroda or any other bank will not ask you to part with sensitive information that can breach the safety of the credit card.
  • The PIN chosen should not be important dates like anniversaries, date of birth, etc., which are very predictable.
  • Spoofing is a way of acquiring sensitive credit card related or bank account information fraudulently by posing to be from a reputed business organisation that genuinely needs this information for some really luring offers. Such information can be sought through email messages that seem very genuine. The message will lead to a link where personal information like credit card details, passwords, user ID, PIN etc. Do not fall prey to such electronic messages.
  • Ensure the credit card is swiped in your presence to avoid skimming devices duplicating your credit card details.
  • If you have multiple cards, do not have the same PIN for all the cards.
  • Do not save your credit card details on online shopping websites just to save the ordeal of entering the credit card details every time you shop or pay any bill. Theft of personal identity has become very easy these days, and you should never give scope for that to happen.
  • Only use the credit card on secure websites that begin with the 'https' code and not the 'http' code. S represents the security of the website. Also, you should look for safety icons like a 'lock' on the websites to secure your transactions.
  • Never share your credit card details and PIN through emails or SMS.

Follow the tips provided diligently and secure yourself from financial loss.

BOB Credit Card PIN Generation FAQs

✅Is there a possibility to complete a transaction without a PIN?

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It is always recommended to complete your transaction with a PIN to keep it secure. However, some credit cards are provided with a contactless feature through which you can make a payment just by waving the credit card at POS points that are enabled for contactless payments. Contactless payment is permitted for purchases up to Rs. 2000/- For any purchase over and above Rs. 2000/-, PIN is a must for authenticating the transaction.

✅What is a Credit Card PIN?

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A Credit Card PIN is a 4-digit Personal Identification Number that will be matched with your credit card details, and the transaction is permitted only if there is a match. Otherwise, you get the declined message on the swiping machine or the laptop/computer screen if you are doing online transactions. This is a security measure devised by the banks for the safety of your card transaction.

✅What happens if the wrong PIN is entered several times?

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If the PIN is entered wrongly three times, the PIN will be automatically blocked. You can regenerate the PIN if you have forgotten the PIN. You will also get a message for wrong attempts. If you smell something fishy, get the card hotlisted immediately.

If the transaction is attempted with a wrong PIN more than three times, the card will be blocked automatically, and you should contact Customer Care to get the card activated.

✅What are the security tips to be followed concerning the credit card PIN?

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You should be very careful while creating a credit card PIN and safekeeping the PIN once it is created and the card is activated.

  • Always choose random numbers for a PIN.
  • Do not use the date of birth, sequence numbers, anniversary dates, repeated numbers, etc. Keep the PIN as complicated as possible, making it very iffy.
  • Change the PIN at regular intervals.
  • For multiple cards, create different PINs.

✅The card gets activated soon after the PIN is generated. What happens if it doesn't?

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If your credit card is not activated even after the PIN is generated, you can contact BOB Customer Care at 1800 258 4455 or 1800 102 4455 and get the issue resolved.