There are different ways with which one can activate a credit card. Usually, the activation process varies from bank to bank, and there is no common process of activating credit cards. Some banks ask cardholders to activate their credit cards by logging into their net banking system and activating the cards. Some other banks require cardholders to visit an ATM and swipe the card to get it activated.
To get a card activated, you must know the personal identification number or (PIN). Banks have different ways of communicating the PIN to the customer. While some banks despatch the PIN separately after despatching the card, others help users generate the PIN online.
To activate your credit card online, you need to first generate your pin. To do so, you can log in to your account through net banking. Fill in your customer ID and password to log into your account. Click on the credit cards tab and choose the credit card PIN generation option.
Once you do that, the bank will generate the pin for your card. There various ways by which the bank communicates this PIN with you. Some banks such as HDFC bank post the PIN to your registered address. Others will either SMS the PIN to you or send it via email.
Some banks also let you choose a convenient four-digit pin. Once you enter the PIN, a secure code is sent to your registered mobile number and email id, to ensure the security of your card. To validate your PIN, you have to key in the secure code.
Once you have received your pin, you can activate your card either online by clicking on the activate option or swipe it at an ATM. The card is activated once you validate it with the ATM pin.
A handful of banks also let customers get their credit cards activated by sending an SMS to the bank’s customer care. Not all banks offer this service. Therefore, please check the process for your bank before sending the SMS. The banks that do allow this service require customers to send a predefined message to a specific number. The message could be MBANK or ATM PIN or any other predefined message. Once you send the SMS, you will get an instant response on the process of validation and activation of the card. The customer service number will vary from one bank to another. Please check the bank’s website.
Credit cards offered by most banks can be activated offline. This is a fairly simple process, wherein you can visit the nearest ATM of the bank which issued the credit card. Upon swiping the credit card, you can choose the ‘SET PIN’ option. To protect the credit card’s security and to ensure that the PIN is being issued to the right customer, the ATM will ask for details such as the account number, registered mobile number and date of birth of cardholder. A one-time password is sent to your registered mobile number. Enter the OTP in the machine. Once the validation process is completed, you will be asked to set a PIN of your choice.
Alternately, if the bank has sent you a PIN via post, you can swipe the credit card an ATM of the issuing bank. You can then enter the PIN sent to you by the bank. Once logged in, you can choose to ‘reset/ change’ the PIN that is convenient for you to remember.
You can log in to your netbanking account using your username and password. Then click on the Credit Cards tab. Click on the ‘PIN SET/ RESET’ option. Choose the card that youwant to be activated in the dropdown menu and card number. Then click on submit. Enter and Re-enter your default PIN. Enter the OTP sent to your registered mobile number. You can then set a new PIN.
The bank provides various ways to generate the PIN for a credit card. You can either call the customer care or the interactive voice response system (IVRS) to create the PIN. You can also generate the PIN by logging on to the mobile app or internet banking. You can also do so by visiting an ATM. The bank has dedicated IVRS for customers at 1860 419 5555 and 1860 500 5555. First choose the credit cards option. Then choose ‘Generate Credit Card PIN and activation code’. You will be asked to key in your card number, expiry date and date of birth. Once you validate your details, you will receive an activation code on your registered mobile number. You will have to call the IVRS or customer care again after receiving the activation code. Then choose the option “Generate Credit Card PIN, I have an activation code”. Key in your code and then you will be asked to set your credit card PIN. If you choose to activate your card via the mobile app, you can log in and choose ‘My Controls’ from the ‘Options’ tab. Here, you can choose the credit card option and then click on the SET PIN option. You will be sent an OTP. Validate the OTP, and you can set up a PIN of your choice. A similar process is followed in netbanking. Choose credit cards from the accounts tab. Click on ‘More Services’ tab and choose ‘PIN Change’ option. Enter your PIN. A secure code will be sent to your registered mobile number. Validate the secure code, and you are good to go.