How to Generate or Change a PIN of Kotak Mahindra Bank Add-on Credit Card

There are many benefits of having a credit card. You can get benefits like cashback, discounts, dining and movie perks, and lounge access. These benefits become more enjoyable when you can share them with your loved ones. Add-on cards let the primary holder of the credit card share the benefits with their family members, like parents or a spouse.

With the add-on credit card, one can enjoy all the benefits that come with a credit card, and one does not have to pay the joining or renewal fee. The expenses made through the add-on credit card will be paid by the primary holder of the credit card. To take advantage of the add-on credit card, one has to generate a PIN first. In this article, you are going to learn how to generate your PIN and change it. It is quite similar to the procedure of PIN generation of the primary credit card.

Various Methods of Generating or Changing Kotak Mahindra Add-on Credit Card

There are various ways to generate the PIN of an add-on credit card. You can either do it through NetBanking, mobile banking, or IVR. All these methods are simple and require a few steps.

Through NetBanking

To generate your PIN through NetBanking, follow the steps given below:

Step 1: The primary holder has to log in to their NetBanking account.

Step 2: After logging in, click on the credit card option.

Step 3: Move to the Service Request section and click on the PIN Generation.

Step 4: You will have to fill out the necessary details that will be required to generate the PIN, and then click on the “GO” tab.

Through Mobile Banking

You can also activate your credit card through your mobile; you just have to download the Kotak mobile banking app. Given below are the steps to generate your PIN through mobile banking:

Step 1: Log in to your mobile banking account.

Step 2: After logging in, move to the Credit Cards tab.

Step 3: Under the Credit Card Tab, you will see the “Credit Card Service Requests”; click on it.

Step 4: After that, select Re-generate PIN or Instant PIN Generation.

Step 5: Select the Add-on Card from the list.

Step 6: Enter your MPIN and other necessary details.

Step 7: Submit Request and Confirm

Through IVR

The easiest way to activate your add-on card for users who don’t have internet access or who do not know how to access the internet is via IVR. To generate a PIN through IVR, you have to follow the steps given below:

Step 1: Dial the number 1800 4100.

Step 2: To generate the PIN for the add-on credit card, you will have to follow some instructions given by the operator.

Step 3: Enter the MPIN and follow the instructions to enter the card details.

Step 4: After all the processes, you have to press number 6.

PIN Safety Precautions

While generating the PIN, one should always keep in mind that credit card PINs are sensitive information, and if disclosed, they can be misused by anyone. So it is important for the user to take measures to make sure their credit card is safe and protected. To avoid the misuse of your credit card, keep in mind the following things:

• Never share your PIN number or any credit card details with an unknown number.
• When transacting money through your credit card, make sure you are on a trusted website. Always do your research well.
• Don’t save your credit card details on any E-commerce website or app.
• Make sure not to write your PIN or any sort of credit card number details on any paper.
• Make sure to go through your credit card details every month to ensure that your money is not being misused.
• Be aware of skimming, which is a process where someone can duplicate your credit card details, so make sure to allow the swipe in your presence.
• Do not disclose your credit card PIN to anyone.

What are the Benefits of an Add-on Credit Card

• Through an add-on credit card, one can enjoy the same benefits as the primary credit card holder. For instance, a credit card offers cashback, fuel benefits, discounts, or lounge access. These benefits will be offered to both the primary holder and the add-on card holder.
• These cards are a good choice for family members, such as parents or a spouse, who are dependent on the primary cardholder. They can use these cards in any emergency.
• Some banks do not charge any extra fees for add-on cards. That means the add-on cardholder does not have to pay any joining or renewal fee.
• Add-on credit cards have the same spending limit as the main card. This makes it easier to manage expenses from one account.
• The user will not receive a separate bill for an add-on credit card. All transactions of the primary and add-on cards will be reflected in a single statement. It keeps monitoring and management simple.

Bottom Line

Add-on credit cards are a great option for people who don’t want to be burdened by the bill payment, but still want to learn how the credit card works, and also want to enjoy the benefits that come with the credit card. Activating or changing the PIN of an add-on credit card is as simple as and similar to that of the primary credit card. There are various methods to do so; you can use NetBanking, mobile banking, or IVR. All the methods are simple and make it easier for anyone to set the PIN.

But at the same time, it is really important to understand that one should use the add-on credit responsibly. Using the card recklessly can affect the primary cardholder. So it’s important to understand do’s and don’ts.