For Kotak Mahindra new credit card users as well as for existing users, generating credit card PIN is a crucial step in credit card activation process. With the banks ruling out the PIN mailers method to send credit card PINs through post, new PIN generation methods in which customers can generate their credit card PINs by themselves have been introduced. To make it even more convenient for the cardholder, banks are offering more than a single channel for credit card PIN generation.
Following the same path Kotak Mahindra Bank also offers four different ways to create or change your credit card PIN. Kotak credit card users can choose any one of them based on their convenience to generate their credit card PIN.
Provided below is the detailed guide discussing various channels available for Kotak Mahindra Credit Card PIN generation and regeneration along with the step-by-step process for PIN generation/regeneration.
Kotak Mahindra currently offers four different ways or channels to generate or regenerate Kotak Credit Card PIN. Of the four, three are online methods and require internet access while one is an offline method hence does not require any internet access. The four methods are:
The only offline method available for Kotak Mahindra credit card PIN generation is calling the bank’s customer service. The PIN generation process is completely automated. You just need to follow the instructions of the interactive voice response service (IVRS) to generate the credit card PIN.
Steps to generate Kotak Mahindra Credit Card PIN by calling customer care
If you’re generating PIN for the first time, you need to call from your registered mobile number only. In case of PIN change, you can call from any mobile number but need to enter old PIN to validate the change.
The other three methods provided by Kotak Mahindra for credit card PIN generation require internet access. While two methods including the PIN generation through internet banking and mobile banking requires internet banking account with the bank, the instant PIN generation bank does not require net banking access and can be done on the bank’s website.
Generate Kotak Bank Credit Card PIN through internet banking: If you have a saving account with Kotak Mahindra Bank along with internet banking access to your account, you can register your credit card in the same account and can generate the PIN using your net banking account. If you haven’t registered your credit card with your Kotak credit card net banking account.
Once you have Kotak net banking access, follow the below steps.
Generate Kotak Bank Credit Card PIN using Kotak Mahindra mobile app: To generate your credit card PIN using Kotak mobile app, you need to have the app installed on your mobile as well as the net banking account with the bank.
If you have both, follow the steps provided below to generate your credit card PIN.
Generate Kotak Bank Credit Card PIN from the bank’s website: Customers not having internet banking access can opt for the online method where one can instantly generate credit card PIN without any login or account.
The instructions provided below will help you generate credit card PIN by visiting Kotak Mahindra’s online website.
Your new PIN will be created and you can use the same for all the future transactions. The instant PIN generation is applicable only for active credit cards. In case you are regenerating the PIN, make sure your card is not blocked. If it is blocked, you need to unblock it before regenerating the PIN. For permanently blocked cards, the instant PIN regeneration option is not available.
All the above mentioned methods are applicable for Kotak Mahindra card PIN regeneration as well. If you forget your credit card PIN or when you wish to change the existing PIN, you can opt for any of the discussed methods based on your convenience. Through all the four channels PIN regeneration happens instantly provided the details are validated.
Kotak Mahindra is currently not providing credit card PIN generation option through ATM. Alternatively, you can call the bank’s 24x7 customer care to generate or change the PIN.
You can use the other methods including the phone banking and instant PIN generation option available on Kotak Mahindra Bank’s website to generate your PIN.
No, when your credit card is blocked, you first need to unblock it before attempting to change the PIN.