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    How to Activate a Credit Card

    The activation process for credit card differs from one to another. The process is not the same for all credit cards. Therefore, it is very important that you follow the activation steps specified for your particular credit card. While few credit card providers allow their cardholders to activate their credit card via their netbanking account, few prefer the ATM activation process.

    We Have Listed Out The Activation Process For Few Popular Credit Cards In Indian Below.

    How To Activate Your HDFC Bank Credit Card

    When you apply for an HDFC credit card, the bank will send you a Personal Identification Number (PIN) to your registered mail address in a secure tamper-proof envelope. Generally, HDFC PIN is a 4-digit unique number. For security purposes, you might receive the HDFC credit card first to your mail address and then a confidential letter from the bank which will contain your PIN. Once, you get your PIN, you can activate your card either through an ATM or using your netbanking account.

    How To Activate Your HDFC Bank Credit Card Through ATM

    • If you choose to activate your HDFC credit card through ATM, you will have to call HDFC Phone banking and request them to send you a One-time Password (OTP) to your registered mobile number.
    • Once you have received the OTP, please visit an HDFC Bank ATM and insert your credit card in the slot provided.
    • On the language selection screen, choose the “Create new ATM using OTP” option.
    • Enter the OTP you received to your registered mobile number in the space provided.
    • You will be asked to enter your registered phone number for verification purposes.
    • After entering your phone number, you will be asked to enter the new 4-digit PIN.
    • Please enter the PIN you wish and click on the “Submit” option. Your HDFC credit card PIN will be successfully changed and you can use your new PIN for further transaction.

    How to Activate Your HDFC Bank Credit Card Through Netbanking

    • Please login to your HDFC netbanking account using your customer ID and password.
    • Navigate to the “Credit Cards” tab.
    • Choose “Credit card ATM PIN” option.
    • Select your HDFC credit card from the drop down and click on the “Continue” tab.
    • You will be asked to confirm the transaction. Please click on “Confirm” tab and the new credit card PIN will be sent to your mailing address.
    • Once you receive the new PIN, you could visit the nearby HDFC ATM to change it.

    How To Activate Your ICICI Bank Credit Card

    Like many other leading banks in India, ICICI Bank also dispatches the credit card and the unique PIN to the customer’s mailing address. You will first receive your credit card and within 7 days, you will receive your credit card PIN in a separate mail. You can start using your credit card with the default PIN for in-store payments. However, for online transactions, ICICI Bank suggest their cardholders to activate 3D secure access. If you wish to change your default PIN you may do so in any one of the following ways.

    How To Receive Your ICICI Credit Card Pin Through Netbanking

    • Please login to your ICICI netbanking account using your credentials
    • Under “My Accounts”, please choose “Credit Cards” option
    • Select “Generate Credit Card PIN Online” and follow the steps

    ICICI Bank Pin Generation Through Imobile

    • Download the ICICI Bank- iMobile app
    • Login with your credentials
    • Select “Smartkeys and Services”
    • Choose “Card Services”
    • Please select the “Generate Credit Card PIN” option
    • Enter the required details and submit to set your new PIN

    ICICI Bank Pin Generation Through ATM

    • Visit the nearby ICICI Bank ATM
    • Insert your ICICI Credit Card in the slot
    • On the home screen please choose “Generate New PIN”
    • You will be asked to enter your default PIN and registered mobile number before changing your PIN

    Alternatively, you can also call ICICI Bank customer care department to generate your credit card PIN. please note that you will need to generate the PIN to start using your ICICI Bank credit card.

    How To Activate Your Axis Bank Credit Card

    To activate your Axis Bank credit card, you will have to first generate your credit card PIN. You can generate your Axis Bank credit card PIN instantly by calling Axis Bank customer care department, through the bank’s mobile app, through netbanking, at an ATM, or through the IVR system.

    How To Generate Axis Bank Credit Card Pin Through The Mobile App

    • Download the Axis Bank mobile app and register as a user. You can download the app from the Playstore or your can SMS MBANK to 5676782 to receive a link to download the app.
    • Login to your mobile banking using the app.
    • Navigate to “Options” and select “My Controls”.
    • Choose “Credit Cards” and “Set PIN”.
    • An OTP will be sent to your registered mobile number. Please enter the same to proceed.
    • Enter the new 4-digit PIN in the space provided and click on “Continue”.
    • Validate the same with your mPIN.

    How To Generate Axis Bank Credit Card Pin Through Internet Banking

    • Visit www.axisbank.com
    • Login to your netbanking account
    • Navigate to “Accounts” section and click on “My Credit Cards”
    • Choose “More Services” option and select “Credit Card PIN Change” and click on “GO”
    • You will be asked to enter the desired 4-digit credit card PIN number
    • Once you submit your new PIN, a netsecure code will be sent to your registered mobile number
    • You will have to enter this code to complete your PIN generation process successfully

    How To Generate Axis Bank Credit Card Pin Through ATM

    • Please note that this process is for first-time users only.
    • Please visit the nearest Axis Bank ATM and insert your credit card in the slot.
    • Select “Set PIN” option. If you are a first-time user “Generate OTP” option will be available on the screen.
    • You will be asked to enter basic details like your Axis Bank account number, registered mobile number, your date of birth, and the OTP that was sent to your registered phone number.
    • Once you have successfully entered all the information, you will be asked to enter the desired new credit card PIN.
    • Please enter the new credit card PIN to proceed.
    • You will receive a confirmation SMS from Axis Bank once your new PIN is successfully generated.

    How To Generate Axis Bank Credit Card Pin Through IVR

    • Please contact Axis Bank customer care department by calling 1860 419 5555 or 1860 500 5555.
    • You will be required to generate an activation passcode before you generate your new credit card PIN.
    • To generate an activation process, please choose “Credit Cards”, “Generate a PIN for Credit Card”, and “Generate an Activation Passcode”.
    • You will be asked to validate your complete credit card number, date of birth, your registered mobile number, and expiry date of your credit card.
    • Once you have entered these details, you will receive an activation code to your registered number.
    • Once you received the activation code, please call the customer care number again and choose “Credit Cards”, “Generate a PIN for Credit Card”, and “I have an Activation Passcode”.
    • Validate all the details once again and upon successful validation, you will be asked to enter the desired credit card PIN.
    • You will receive a confirmation SMS from Axis Bank once your new PIN is successfully generated.

    How To Activate Your HSBC Credit Card

    All chip credit cards sent by HSBC will be in a deactivates status. HSBC credit cardholders should activate their credit card before using it. You can activate your HSBC credit card by visiting the ATM, perform a PIN-based transaction, or contact HSBC phone banking services.

    How To Change Your HSBC Credit Card Pin Through ATM

    • HSBC credit cardholders can change their default credit card PIN at any HSBC Bank ATM
    • Please visit the nearby HSBC Bank ATM and insert your new credit card in the slot
    • On the home screen, you will see an option to change your credit card PIN
    • Please enter your desired 4-digit PIN and click on the “Submit” option
    • HSBC Bank will send you a confirmation SMS to your registered phone number once your credit card PIN is successfully changed

    How To Activate Your Indusind Bank Credit Card

    IndusInd Bank will dispatch your credit card to your registered mailing address. After you receive your IndusInd Bank credit card by post, within the next few days, you will receive another letter from the bank which will contain your 4-digit credit card PIN. You could use your credit card for any swipe transaction using this default PIN. However, IndusInd Bank recommends their cardholder to change their PIN for security reasons.

    How To Generate A New Pin For Your Indusind Credit Card Through ATM

    • You can change your IndusInd Bank credit card PIN by visiting the nearby IndusInd Bank ATM
    • Insert your card in the slot
    • On the home screen, you will see an option to change your credit card PIN
    • Please enter your desired 4-digit PIN and click on the “Submit” option
    • You will receive a confirmation SMS from IndusInd Bank if your new PIN was generated successfully

    How To Generate A New Pin For Your Indusind Credit Card Through Netbanking

    • If you have an existing IndusInd netbanking account, you will be able to generate a new credit card PIN online.
    • Please login to your IndusInd Bank netbanking account and navigate to the “Credit Cards” section
    • You will find an option to generate a new PIN. Please follow the instructions and reset your default credit card PIN.
    • You will receive a confirmation SMS from IndusInd Bank if your new PIN was generated successfully

    If you haven’t received your default credit card PIN, you can call IndusInd Bank customer care department by dialing 1860 267 7777 and request the PIN to be mailed to your registered mailing address.

    How To Activate Your SBI Credit Card

    For security purposes, your State Bank of India credit card will be inactive when you receive it. You will have to activate your credit card to use it. SBI recommends their credit cardholders to visit their official website to activate their credit card.

    How To Activate Your SBI Credit Card Online

    • To activate your SBI credit card, please visit sbicard.com
    • Login to your SBI netbanking account using your credentials
    • Once you log in, navigate to the “Requests” menu found on the left-hand side of the screen
    • Choose “Card Activation” from the options available
    • If you have multiple credit cards linked to your SBI netbanking account, you will be asked to choose the right card from the drop-down menu
    • Once you choose the right SBI credit card, click on the “Activate” button and your card will be activated instantly

    Alternatively, SBI credit cardholders can write to SBI Bank using the “Email Us” option available on their website to activate their credit card. Cardholders can also contact SBI customer service department at 1860 180 1290 to activate their credit cards.

    How To Activate Your Citibank Credit Card

    If you are a Citibank credit cardholder, you will get your credit card and the PIN in two separate mails to your registered mailing address. You can use the credit card PIN which you received in the mail for in-store purchases for swipe transactions. However, for your credit card to be fully functional, you will have to generate an ATM PIN.

    How To Generate A New Atm Pin For Your Citibank Credit Card Through IVR System

    • Please contact Citibank’s Interactive Voice Response (IVR) system by dialing 1860 266 2484.
    • Enter your complete credit card number when prompted.
    • You will be asked to enter your TPIN(Telephone PIN) which you would have received with your credit card. If you do not have the TPIN, you can choose to enter your date of birth in DDMMYYYY format.
    • Upon successful verification of the details entered by you, an OTP will be sent to your registered phone number.
    • Please note that this OTP will be valid for fifteen minutes. Please enter it before the session expires.
    • You will be asked to enter the ATM PIN of your choice through the IVR.
    • Citibank will send you a confirmation SMS if your ATM PIN is changed successfully.

    How To Generate A New Atm Pin For Your Citibank Credit Card Through Netbanking

    • Please visit www.citibank.com/India and login to your netbanking account using your credentials.
    • Navigate to the “Credit Card” tab on your screen and choose “PIN Related” option.
    • Once you choose “ATM PIN” option, a separate screen will open which will contain the procedure to be followed.
    • Citibank will send you a confirmation SMS if your ATM PIN is changed successfully.

    How To Activate Your Kotak Mahindra Bank Credit Card

    Like all other leading credit card providers in the country, Kotak Mahindra Bank dispatches your credit card and your credit card PIN separately via post to your registered mailing address. Though you can use your credit card with the PIN provided by the bank and activate your card, for security reasons it is always recommended to change your credit card PIN.

    How To Generate Kotak Mahindra Bank Credit Card Pin Through Netbanking

    • Please visit www.kotak.com and login to your netbanking account using your credentials.
    • Navigate to the “Credit Cards” tab and choose “Change PIN” option.
    • Enter the desired 6-digit chip credit card PIN and click on the “Submit” option.
    • Upon successful generation of your new credit card PIN, Kotak Mahindra Bank will send you a confirmation SMS to your registered phone number.

    How To Generate Kotak Mahindra Bank Credit Card Pin Through Mobile Banking

    • Login to your Kotak Mahindra mobile banking account.
    • Choose “Regenerate PIN” that lies below the “Service Requests” tab.
    • Enter your complete credit card number.
    • Enter the desired 6-digit chip credit card PIN and click on the “Submit” option.
    • Upon successful generation of your new credit card PIN, Kotak Mahindra Bank will send you a confirmation SMS to your registered phone number.

    How To Generate Kotak Mahindra Bank Credit Card Pin Through IVR

    • To generate a new credit card PIn for your Kotak Mahindra Bank credit card, contact the bank’s customer care department by dialing 1860 266 2666.
    • Press 1 to continue
    • Press 3 to choose credit cards
    • If you are an existing Kotak Mahindra cardholder, please press 1
    • Enter your CRN, TPIN, or your complete credit card number to proceed
    • Press 6 to generate your new Kotak Mahindra credit card PIN
    • When prompted, enter the desired PIN and confirm
    • You will receive an SMS from Kotak Mahindra Bank if your PIN is changed successfully

    How To Generate Kotak Mahindra Bank Credit Card Pin Instantly

    Kotak Mahindra Bank also allows their credit cardholders to generate a new PIN instantly by visiting https://www.kotak.com/en/transaction-services/generate-pin.html. If you want to change your credit card PIN immediately, please use the link above.

    If you have a credit card from a different bank and the procedure is not mentioned above, please visit the official website of your credit card provider for more information.

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