For Kotak Mahindra new credit card users as well as for existing users, generating a credit card PIN is a crucial step in credit card activation process.
Kotak Mahindra Bank offers four different ways to generate or change your credit card PIN. You can choose any one of them based on your convenience to set your credit card PIN for the first time so as to activate your new credit card.
Provided below is the detailed guide discussing various channels available for Kotak Mahindra Credit Card PIN generation along with the step-by-step process for PIN generation.
You can activate your Kotak Mahindra Credit Card by generating or setting the 6-digit PIN.
You might receive the PIN to your registered e-mail address. In case, you haven't received it 7-10 days after receiving the card, you can either use internet banking account, mobile app or the instant PIN generation page to set your new PIN.
Once the PIN is set, use your cards for any of the PIN-required transactions such as at ATMs, retail merchants, or online shopping transactions.
Your card gets activated automatically when you first use the credit card. If you find any issue using the card for the first time, you can call Kotak Mahindra Credit Card customer care helpline at 1860-266-2666.
Kotak Mahindra currently offers four different ways to generate credit card PIN.
Let's discuss each method in detail.
A simple method to generate Kotak Mahindra Credit Card PIN is by calling the customer care. The PIN generation process through interactive voice response service (IVRS) is completely automated. You just need to follow the instructions to generate the credit card PIN.
Steps to generate Kotak Mahindra Credit Card PIN by calling customer care
You might be asked to key-in a new 6-digit PIN of your choice. Enter the same and confirm it to set your credit card PIN.
Few things to remember while generating Kotak Mahindra credit card PIN is that -
If you have a savings/current account with Kotak Mahindra Bank along with internet banking access, you can register your credit card in the same account to have online access to your card.
If you don't have any such account, you can open an internet banking account using your new Kotak Mahindra credit card.
Once you gain net banking access for your credit card, follow the steps below to generate PIN.
Once the details are validated, your new PIN generation request will be honoured allowing you to use the new PIN instantly.
To generate your credit card PIN using Kotak Mahindra 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.
Customers not having internet banking access can use Kotak Mahindra's online service to instantly generate credit card PIN.
The instructions provided below will help you generate credit card PIN instantly.
On successful validation of the details, the new PIN will be set instantly.
The instant PIN generation is applicable only for active credit cards. In case you are changing 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 change or update as well.
If you forget your credit card PIN or wish to change the existing PIN, you can opt for any of the discussed methods based on your convenience. Through all the four channels, you can change the PIN instantly provided the details are validated.
You can reset your credit card PIN instantly through net banking account or the instant PIN generation facility.
You can generate PIN yourself by logging into your internet banking account, by calling customer care or by using the instant PIN generation option.
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 options 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.
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