Kotak Credit Card PIN Generation

Kotak Mahindra Bank credit card PIN is a unique 6-digit number required for carrying out any transactions using the card. The Kotak credit card PIN generation can be done for active credit cards only. For new as well as existing credit card users, generating PIN is a crucial step for activating the card. Kotak Mahindra Bank provides the following different ways to generate or change the credit card PIN. You can choose anyone based on your convenience.


How to Generate Kotak Credit Card PIN?

Here are the different methods that you can choose from to generate your Kotak Bank credit card PIN:

Kotak Credit Card PIN Generation through Net Banking

If you have a savings or current account with Kotak Mahindra Bank along with net banking access, you can follow the steps mentioned below to generate a PIN:

  • Open Kotak Mahindra net banking login page
  • Login to your Kotak net banking account using your CRN / Customer ID and password. 
  • Then select the ‘Credit Cards’ option from the main menu. 
  • Go to the ‘Service Requests’ option and then select ‘Instant PIN Generation’.
  • Enter the required details and then click ‘Go’ to confirm the same to instantly generate your 6-digit Kotak credit card PIN
  • Once the submitted details are verified, your request for new PIN generation will be honoured.

Kotak Credit Card PIN Generation through Mobile Banking

If you have access to Kotak net banking, you can generate your Kotak Bank credit card PIN through the mobile app of the bank by following the steps given below: 

  • Download and install the app on your mobile.
  • Log in to your mobile banking account.
  • Once you are logged in, select the ‘Credit Card’ option from the menu. 
  • Choose ‘Credit Card Service Requests’ from the dropdown menu.
  • Now choose the ‘Instantly Generate PIN’ option from the list to generate the PIN. You can also generate a physical PIN by sending an SMS CCPIN to 5676788 or 9971056767.
  • Enter your MPIN and credit card details, CVV, expiry date, etc., and submit your request
  • You will be asked to choose a new PIN. 
  • Enter a preferred PIN of your choice. 
  • Click on ‘Submit Request’ and ‘Confirm’ to set your credit card PIN.

Kotak Credit Card PIN Generation by Calling Customer Care

You can simply generate a Kotak Mahindra credit card PIN by dialling the Kotak Mahindra credit card customer care number. All you need to do is follow the steps mentioned below.

  • Dial 1860 266 2666 from your mobile.
  • The IVR will respond, follow the instructions to proceed.
  • 'Press 1' to continue in English.
  • Then 'Press 3' for 'Credit Cards'.
  • Existing Kotak Bank credit cardholders have to 'Press 1'.
  • Enter your customer relationship number (CRN)/ credit card number and T-PIN.
  • 'Press 6' to generate your credit card PIN.
  • Key in a new 6-digit PIN of your choice and re-enter the same to set your credit card PIN.

Kotak Credit Card PIN Generation from the Bank's Website

If you do not have internet banking access, you can use Kotak Mahindra's online service to generate a credit card PIN instantly. The steps given below will help you generate a credit card PIN quickly:

  • Visit the 'Instant PIN Generation' web page of Kotak Mahindra Bank at www.kotak.com/en/transaction-services/generate-pin.html
  • Then select the 'Credit Card' option.
  • Now enter your credit card details, such as your credit card number, expiry date, CVV, etc.
  • Enter a new 6-digit PIN of your choice and then re-enter the same.
  • Click on 'Confirm'.
  • After successfully validating the details, the new PIN will be set.

Please note that:

  • The Kotak Bank credit cardholders who have an active credit card can generate Kotak credit card PIN
  • If the card is temporarily blocked, you will need to unblock it to initiate the regeneration of PIN. 
  • The PIN cannot be regenerated for credit cards that are permanently blocked. 
  • If the PIN gets locked on entering the wrong credit card details 3 times in a row, then you have to use the ‘Request for Physical PIN’ option.

How to Change Kotak Credit Card PIN?

You can change your Kotak Mahindra Credit Card PIN through IVR. To change your Kotak credit card PIN through IVR, follow these steps:

  • Dial 1860 266 2666.
  • Follow the instructions of Keya. 
  • Say ‘Generate Credit Card PIN’.
  • Enter the MPIN and then follow the instructions. 
  • Enter the card details
  • Once the information is validated, press 6 to regenerate your PIN.

How to Set a Strong PIN?

Here are some tips to generate a strong and secure Credit Card PIN:

  • Choose a number that is easy to remember. However, it should not be easy for anyone else to guess. For example, the date of purchasing your house or your dog’s birthday.
  • Select a 4 letter word that you cannot forget. Then use your mobile’s keypad to see what number it translates into. For instance, if you choose the word ‘home’, it will translate to 4663. 
  • Use math tricks to change an easy PIN. For example, if you choose your birthday, you can add your lucky number to each digit. 
  • Never choose your own or your kids’ birthdays as passwords.

Tips to Keep the Credit Card PIN Safe

The credit card PIN is an important element of your credit card. Once you generate a credit card PIN, it becomes crucial to ensure its proper usage and safety. You must keep in mind the following things to avoid the misuse of your credit card:

  • Never share the credit card details through SMS, emails, Whatsapp, calls, etc.
  • Make sure your card is swiped in your presence. This prevents it from being misused through skimming. Skimming enables duplication of your credit card details using a skimming device.
  • Always make transactions on authentic and secure websites.
  • Never save your credit card information on any shopping portal or merchant website.
  • Never write down your credit card PIN on the back of your card or a piece of paper.
  • Go through your credit card details and statements every month to ensure that your money is not being misused. 
  • Get your credit card replaced if you used it in a high-risk country.
  • Do not share your credit card PIN with anyone, even if they claim to represent the bank. The bank never asks for such information on call or email.
  • Never give a copy of the front and back of your card to anyone for any reason.

Kotak Credit Card PIN Generation FAQs

How to activate my Kotak credit card PIN?


You can call Kotak Mahindra Bank's customer care number to activate your PIN through IVR. Also, you can log in to your Kotak net banking/ mobile banking account to activate your PIN.

What should I do if I lose my credit card?


If you have lost your Kotak credit card, block it immediately through your net banking or mobile banking account. Just log in to your account and go to the ‘credit cards’ section. Then under ‘service requests’, choose ‘report lost cards

How to reset my Kotak Mahindra credit card PIN?


You can reset your Kotak credit card PIN instantly via your net banking account or the instant PIN generation facility.

How can I generate my credit card PIN if I don't have Internet banking access?


You can use offline methods, such as phone banking and instant PIN generation options on Kotak Mahindra Bank's website.