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A debit card has become one of the most common and important financial tools today. After opening a bank account, you can apply for a debit card and get it delivered to your residence. However, to be able to use your debit card, a PIN has to be generated.
Just like all the other banks, Kotak Bank also requires you to set a debit card PIN. When you receive your debit card in the mail, you will be provided with a temporary PIN that you use to set one of your choices.
There are multiple ways in which you can set your Kotak debit card PIN, including online/internet banking, SMS, visiting an ATM, or using the mobile application.Let’s have a look at all the methods one by one with detailed steps.
Kotak Debit Card PIN Generation Via ATM
The most popular and easy method for Kotak debit card PIN generation is visiting your nearby ATM.
- Put your Kotak Mahindra debit card in the ATM.
- You will get a temporary password (OTP) texted on your phone.
- Enter the OTP when asked.
- Type in your phone number and birthdate.
- Choose a 6-digit PIN for your card.
- Type the PIN again to confirm.
- Now you can use your card for undertaking transactions and making withdrawals.
Kotak Debit Card PIN Generation Via Internet/Online Banking
- Access your Kotak account by logging in.
- Locate the option mentioning "Account," then "Debit Card," followed by "Instant Re-generation of PIN" at the last.
- Choose a 6-digit PIN for your card.
- Type the PIN again to confirm.
- Enter your card's expiration date.
- Type the OTP from your phone to finish.
Kotak Debit Card PIN Generation Via SMS
- Text "DEBITPIN
" to 9971056767or 5676788. - You'll get an OTP on your phone.
- Go to a Kotak Mahindra ATM.
- Choose "Generate ATM PIN" > "Validate OTP."
- Enter the OTP you got.
- Create a new PIN and use your card.
Kotak Debit Card PIN Generation Via Android/iOS Mobile Application
- Open the Kotak Mahindra Bank app.
- Log in to your account.
- Click on "Banking," then "Service Request," and lastly hit the "Debit Card Requests” button.
- Choose "Regenerate PIN."
- Create a 6-digit PIN for your card.
- Type the PIN again to confirm.
- You'll get a message saying your PIN is set.
- Now you can use your card for transactions and withdrawals.
Kotak Mahindra Bank Debit Card PIN Generation Via Website
- Go to the Kotak Mahindra Bank website.
- Click on "Instant PIN Generation."
- Choose your card type.
- Key in your card details, i.e., the card number, card expiration date, and CVV.
- Create a 6-digit PIN.
- Click "Confirm."
- You'll see a message saying your PIN is set.
Kotak Debit Card PIN Generation Via Customer Care
- Call Kotak Mahindra Bank customer care at 1860-266-2666 from your registered phone.
- Choose "ATM and Prepaid Card Services."
- Select "Generate Green PIN."
- Enter your debit card number.
- You'll get an OTP on your phone that's good for two days.
- Go to a Kotak ATM to activate your card and set a PIN using the OTP.
Disclaimer: All the steps and other information specified above are sourced when this page was written and are subject to change. For exact information, refer to the Kotak Bank’s official website or contact them.
Recommended Read:Check Eligibility Criteria & Benefits of Debit Cards
Steps to Keep Your PIN Secure
1. Choose a strong PIN:
- Don't use easy numbers: Avoid birthdays, anniversaries, or phone numbers.
- Mix numbers and letters: This makes it harder to guess.
- Make it memorable: Use a combination that's easy for you to remember but hard for others to guess.
2. Remember your PIN:
- Don't write it down: Don't keep your PIN written anywhere, like on your phone or wallet.
- Practice remembering: Try to recall your PIN without looking at it.
3. Protect your card:
- Keep it safe: Protect your card from unauthorized access by storing it in a secure place.
- Cover the keypad: Shield the keypad while entering the PIN to prevent theft.
4. Be careful at ATMs:
- Check for problems: Before using an ATM, look for any signs of damage or strange devices.
- Avoid distractions: Pay attention to your surroundings and don't get distracted while using an ATM.
5. Watch your account:
- Review your transactions: Review your account statements to detect any suspicious activity.
- Report problems: If you see anything suspicious, tell your bank right away.
6. Use biometric security:
- Enable features: If your card or device has fingerprint or facial recognition, turn it on for extra security.
7. Avoid phishing scams:
- Be careful of emails and calls: Don't give your PIN or other personal information if you get unexpected emails or phone calls.
FAQs on Kotak Mahindra Bank Debit Card PIN Generation:
1. How does my PIN get locked on my Kotak Debit Card?
If you enter your card details wrong when setting your PIN or if you enter the wrong PIN at the ATM three times in a row, your PIN will be locked. You'll need to apply for a Physical PIN.
2. Can I call customer care on Sunday to regenerate my Kotak Debit Card PIN?
No, you can't. Kotak customer care is only open Monday to Saturday.
3. I got a call from Kotak Bank asking for my PIN. What should I do?
Never give your personal banking information to anyone over the phone. You have the flexibility to generate your PIN using either online platforms or ATM services. Keep in mind that bank personnel will never call you to solicit your PIN.
4. Do I need any documents to generate a new PIN?
No, you don't need any documents. For online PIN generation, you'll need your card number, expiration date, and CVV. For offline PIN generation, you only need your card number. For both, you'll need your registered mobile number.
5. Are the PIN generation methods chargeable?
No, all the methods for generating your debit card PIN are free.
6. Why am I not getting the OTP on my phone?
You might not get the OTP if your registered number is inactive or if you don't have enough money on it. There could also be a problem with the server or network.
7. How often should I change my debit card PIN?
Cyber experts say you should change your PIN every three to six months to avoid scams. Don't share your PIN with anyone, even bank staff.
8. What should my debit card PIN be?
Your Kotak debit card PIN should be six digits long. Make it long and memorable but avoid using obvious numbers. Keep it secret and don't write it down.
Disclaimer: This page includes information that has been compiled from many sources and is only offered for informational purposes. Since this type of data might change over time, we cannot guarantee that the information supplied or included within it is accurate. It is anticipated that the user would confirm with the relevant source prior to taking any choices or actions.