Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Kotak Mahindra Bank Credit Card PIN Generation

    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.

    How to Activate Kotak Mahindra Credit Card?

    • 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.

    Methods to Generate Kotak Mahindra Bank Credit Card PIN

    Kotak Mahindra currently offers four different ways to generate credit card PIN.

    1. Customer care
    2. Kotak Mahindra net banking facility
    3. Kotak Mahindra mobile app
    4. Kotak Mahindra Bank's website

    Let's discuss each method in detail.

    By Calling Customer Care

    A simple method to generate Kotak Mahindra Credit Card PIN is by calling the Kotak Mahindra credit card 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

    • Call 1860 266 2666
    • The IVR will respond and provide you with instructions to proceed
    • To continue in English, 'Press 1'
    • 'Press 3' for 'Credit Cards'
    • If you are an existing Kotak credit cardholder, 'Press 1'
    • Enter your customer relationship number (CRN) or card number and T-PIN.
    • Now 'press 6' to generate your credit card PIN

    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'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.

    Generate Kotak Bank Credit Card PIN through Internet Banking

    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 Kotak Mahindra credit card net banking account.

    Once you gain net banking access for your credit card, follow the steps below to generate PIN.

    • Visit Kotak Mahindra net banking login page
    • Enter your CRN / Customer ID and password to login to your account
    • From the main menu, select 'Credit Cards'
    • Select 'Change or Create 6-Digit Chip Credit Card / ATM PIN' from the dropdown
    • Enter the required details and confirm the same to instantly generate your 6-digit credit card PIN

    Once the details are validated, your new PIN generation request will be honoured allowing you to use the new PIN instantly.

    Generate Kotak Bank Credit Card PIN Using Mobile App

    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.

    • Open the Kotak Mahindra mobile application
    • From the menu, select 'Credit Cards'
    • From the drop down, choose 'Service Requests'
    • Choose 'Re-generate PIN' option from the list
    • Enter your card details, CVV, expiry, etc. Key-in the same before submitting the request
    • You will then be asked to choose a new PIN of your choice. Enter the same and confirm to set your credit card PIN

    Generate Kotak Bank Credit Card PIN from the Bank's Website

    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.

    • Visit Kotak Mahindra 'Instant PIN Generation' web page at
    • Select 'Credit Card' option
    • Enter the card details including credit card number, expiry date, CVV
    • In the last two fields enter a new 6-digit PIN of your choice, re-enter the same and click on 'Confirm'

    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.

    How to Change Kotak Mahindra Credit Card PIN?

    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.

    FAQs on Kotak Mahindra Credit Card PIN Generation

    1. I forgot my Kotak Mahindra Credit Card PIN. How to reset it?

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

    2. I haven't received the PIN sent by the bank. What should I do now?

      You can generate PIN yourself by logging into your internet banking account, by calling customer care or by using the instant PIN generation option.

    3. Can I generate my credit card PIN by visiting Kotak Mahindra ATM?

      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.

    4. I don't have internet banking access, how can I generate my credit card 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.

    5. My credit card is blocked temporarily, can I change my credit card PIN now?

      No, when your credit card is blocked, you first need to unblock it before attempting to change the PIN.

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