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How to Activate Kotak Credit Card? - All You Need to Know

Updated on: 14 Dec 2021 // 28 min read // Credit Cards
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How to Activate Kotak Credit Card? - All You Need to Know

Kotak Mahindra Bank is a reputed bank in India. They are known for the amazing offers and rewards with their credit cards making them very lucrative. However, activating credit cards can get difficult if you are a new Kotak customer, and it is your first credit card.  

If you have recently received your Kotak Mahindra Bank credit card and are wondering how to activate Kotak credit card easily and without any hassle, here is all you need to know:

How to Activate Your Kotak Credit Card Online?

If you want to activate your credit cards online and are searching how to activate Kotak credit card easily from the comfort of your home, there are several online methods that you can use.

  • You can choose to use your internet banking account to generate your Kotak Mahindra bank credit card PIN for the first time. It does not matter whether it is your primary credit card or you have multiple cards. Internet banking is one of the most feasible methods that you can try.
  • If you are not fond of internet banking and are looking for something easier and more feasible, a mobile banking app can be the best option for you. You can use a mobile banking app with or without the internet, making it even more feasible than the other online methods.
  • If you do not want to go for either of the above, you have the option to generate your credit card PIN from Kotak Mahindra Bank's official website online. You can generate your credit card PIN instantly by visiting the Kotak Mahindra official page. Go to the instant PIN generation section and select the credit card option. Enter your credit card details along with its expiry date and CVV. You will be asked to create a six-digit PIN of your choice. Crosscheck all the details that you put in and click on the submission button when you are done.
  • If you want to change your credit card PIN at any point, you can either go for your net banking account or mobile banking account to do the same.

How to Activate Your Kotak Mahindra Bank Credit Card through Netbanking?

If you have an active net banking account that you want to use to activate your credit card PIN, the steps that you need to follow are mentioned below:

  • If you are not a registered user, you need to register yourself before generating your credit card PIN through a net banking account.
  • After getting access to your net banking account, you can go to the official Kotak Mahindra net banking login page.
  • Log into your account using the necessary credentials. Enter your customer ID and password and select the credit cards section from the menu bar.
  • From the next page, go to 'change or create a six-digit cheap credit card/ ATM PIN' from the drop-down bar.
  • Enter the details required and confirm them before generating your six-digit PIN.
  • After you submit the details, they will verify and send you a PIN generation request to your registered mobile number. After this, your PIN will be generated instantly after the verification.

All registered users need not re-register to activate the credit card PIN. If you are a first-time user, register and log in to your account using your credentials.

How to Activate Kotak Credit Card through Mobile Banking?

If you want to activate your credit card PIN and are wondering how to activate Kotak credit card using their mobile app, the steps that you need to follow are pretty simple.

  • To generate your credit card using the Kotak Mahindra mobile app, first, you need to install the app if you do not have it installed already.
  • Open the mobile application and from the menu bar, go to the 'credit cards' option.
  • From the drop-down bar, go to the 'service requests' option.
  • Choose the re-generate PIN option from the list. Then, you will be asked to put in all your credit card details, including the full card number, the expiry date, and the 3-digit CVV mentioned at the back of your card.
  • You will get a prompt to change your PIN. Create a strong PIN and confirm the same.

How to Activate Kotak Credit Card Offline?

If you want to avoid online methods due to security reasons and are wondering how to activate credit card Kotak using offline methods, here are some to consider: 

  • The easiest offline option for you to go for would be to contact their customer care services and get them to help you activate your credit card PIN easily. This is a safe, instant, and quick procedure that does not require the internet.
  • You can also choose to activate your credit card PIN by visiting an ATM at your convenience.
  • You can send an SMS as well with the last four digits of your credit card to 5676788. Further steps will be provided to you by their SMS service providers.

 You can go for offline methods if you do not want to activate your credit card through online methods. Let us quickly take a look at these methods to properly follow them in the future.

How to Activate your Kotak Credit Card through ATM?

If you want to generate your card through an ATM, you need to follow the steps below.

  • Visit your nearest ATM and insert your card in the ATM.
  • You will be prompted for your account number. After putting in your account number, click the confirm button. Then enter your registered mobile number and go to the next screen for further steps.
  • The screen will show a message saying your PIN will shortly be delivered to your registered mobile number. You need to confirm to see another message that says your PIN generation has been successful.
  • You will get a text message on the mobile number registered with the bank consisting of your PIN.
  • You will need to change your PIN within two days after generating it for safety purposes.

You must follow these steps to generate your PIN for your debit card through an ATM for the first time. However, if you wonder how to activate Kotak credit card through an ATM, that service is still not provided by the Kotak Mahindra bank. To generate your credit card PIN, follow any of the other methods that are mentioned here.

How to Activate Kotak Mahindra Credit Card via Customer Care?

Suppose you want to avoid all the online methods mentioned above and think of activating credit card Kotak through offline methods. In that case, the best option for you to go forward is to contact their customer care services and let them help you to activate your credit card PIN.

The simple steps required to activate your credit card PIN via customer care are:

  • Call their customer care number 186026626666.
  • They will ask you to choose your preferred language. Press one to choose English as your preferred language.
  • Then check the 'credit card' option for further steps.
  • If you are a valid Kotak Credit Cardholder, press 1 to generate your PIN.
  • After that, we will need to enter your customer relationship number or your card number and your T-PIN.
  • You will then be asked to choose a six-digit PIN as per your choice. After you confirm your PIN, your PIN will be generated as soon as possible.

If you are a first-time user, make sure to call the customer care services from your registered mobile number only. Call from any number to request a PIN change with the bank's customer care services.

FAQs

✅1. Can I change my credit card PIN if the bank temporarily blocks my card?

You need to first unblock your card to change your credit card PIN. You cannot attempt to change your PIN while the bank blocks your card.

✅2. How can I generate my credit card PIN for the first time if I don't have access to their internet banking services?

You can either call their customer care services or generate your credit card PIN from their official page.

✅3. Can I generate my credit card PIN by visiting an ATM?

Kotak Mahindra does not provide the PIN generation option using an ATM.

✅4. How long will it take for my credit card to be activated?

The credit card activation is an instant process. You can then use your card as soon as you generate your PIN.

✅5. If I own multiple cards, do I need to activate the secondary cards using any particular method?

It does not matter whether you activate your primary card or your secondary card. The procedures remain the same.