By Divya Shokeen
Updated On January 6, 2024

Generating a credit card PIN is a very important step to activate a credit card. Kotak Mahindra Bank offers 4 methods for generating or changing a Kotak Mahindra Bank credit card PIN. As per your convenience, you choose any method to set your credit card PIN so that you can start using your credit card to make payments.
Kotak Mahindra Bank Credit Card Pin Generation

Methods to generate Kotak Mahindra Bank PIN

Kotak Mahindra Bank provides you certain channels through which you can generate the credit card 6-digit number. There are 4 ways by which credit card pin generation can be done;

    • Internet Banking
    • Mobile App
    • Website
    • IVR

Internet Banking

Users who already have a bank account with the Kotak Mahindra Bank and have already activated their internet bank can easily register their credit card in the same internet net banking account. In case you don’t have an account with the bank then you need to activate the internet banking of your credit card from the Kotak Mahindra Netbanking Page and enter your credit card number/username/CRN and Press ‘Next and complete the registration process for the internet banking.
To generate the credit card pin using internet banking follow the below-given steps.

Step 1: Go to the Kotak Mahindra Internet Banking page and log in to your account using CRN/ Customer ID and password.
Step 2: From the menu click on ‘credit cards’.
Step 3: From the dropdown menu click on ‘create or change 6 digit chip credit card/ATM pin.
Step 4: Entered the required details and click on confirm

On confirming the details your credit card pin will be generated instantly.

Mobile App

For generating a credit card pin using a mobile app all you required is an activated net banking account and Kotak Mahindra bank app installed on your mobile. Follow the given below steps to generate credit card pin using the bank’s mobile app;

Step 1: Download Kotak Mahindra Bank Mobile App and log in to your account.
Step 2: from the menu click on ‘credit cards’.
Step 3: Choose Service request from the dropdown menu.
Step 4: From the given list click on ‘re-generate pin’.
Step 5: Enter your credit card details like credit card number, expiry date, and CVV, confirm the details, and enter a new 6-digit PIN.


Kotak Mahindra Bank customers who do not have access to internet banking can also generate a credit card pin online. To generate the pin you need to follow these steps;

Step 1: Go to Kotak Mahindra’s ‘Instant Pin Generation’ webpage and select a Credit card from the given options.
Step 2: Enter your credit card number, expiry date, and CVV.
Step 3: Now enter the new 6-digit PIN twice and click on confirm.

On confirming the details your credit card 6-digit Pin will be set instantly.


One more method provided by the Kotak Mahindra Bank is the interactive voice response (IVR). It can be a bit time-consuming but it sure does provide you the easiest and understandable steps to follow for generating a credit card pin. Step by step guide to generating the credit card pin using IVR is as follows:

Step 1: Call on Kotak Mahindra Bank customer care services number 1860 266 2666.
Step 2: The IVR will provide you with instructions to choose for language.
Step 3: Press 1 to choose English, after choosing the preferred language further instructions will be given by the IVR.
Step 4: For Credit Cards related help press 3.
Step 5: Press 1 if you are already a Kotak Mahindra Bank customer.
Step 6: In this step, you will be asked to enter the customer relationship number (CRN) or card number and T-PIN. Enter the required details.
Step 7: For credit card pin generation press 6.

Methods to change Kotak Mahindra Bank Credit Card PIN

The above-discussed four methods can also be used for changing your Kotak Mahindra Bank Credit Card PIN. You can change the credit card pin using internet banking, mobile app, and 24×7 available customer care number 1860 266 2666. You can follow the steps discussed above for changing the credit card pin.


You can call on the 24x7 available customer care number and follow the IVR instructions. You can also recover the credit card pin using net banking or a mobile app.
Unfortunately no, Kotak Mahindra Bank doesn’t provide this service as of now. However, you can change your credit card pin using internet banking, Bank’s website, mobile app, or calling on 24x7 customer care number.
You can register your credit card for internet banking using Kotak Mahindra bank’s registration portal for internet banking and after successfully registering your credit card, you can generate a credit card pin through net banking services.
Yes, you can generate your credit card 6-digit PIN using Kotak Mahindra's instant pin generation webpage. You need to enter your credit card number, expiry date, CVV number, and the 6-digit new pin twice and click on confirm. You will receive a notification saying your pin is set successfully on your device’s screen.