Security advisory: Do NOT share your One-Time Password (OTP) with or provide your OneToken authorisation to anyone without knowing the intended purpose. Never share your OTP with family and friends, phishing websites, OCBC Bank staff or the police. Always go to https://www.ocbc.com/login or use the OCBC Digital app to make your transactions. Show A credit card is a financial tool that allows its users to borrow money from your bank, in order to meet your necessary expenses, whilst giving you the luxury of repaying the amount later. A credit card offers a line of credit that can be used to make necessary payments. However, this amount must be paid back to the bank on the due date as mutually agreed upon by the bank and the cardholder in order to avoid any late fees and charges. Buying a credit card is much easier than maintaining one. How you use your credit card defines your financial well being and whether or not you are eligible for borrowing any loans/credits in the future. Now, to maintain your credit card well, it is important you know how to use it. And to be able to use a credit card, you must be well aware of some of the common terms and their usage. Let’s begin with understanding what a Credit Card PIN is. What is a Credit Card PIN?A credit card personal identification number (PIN) is basically a four-digit code which is used to verify the identity of the credit card holder. It is mandatory to enter the credit card PIN in order to complete a transaction. Whenever you use your credit card, you are asked to enter your PIN to authorise the transaction. As soon as you enter your PIN, the payment system will automatically match it with your user ID before facilitating the transaction. This is how banks ensure that every transaction carried through your credit card is authorised by you and nobody else; thus making it safe and secure. Considering this, it is strictly advised that you never share your credit card PIN with anybody to avoid any fraudulent activities on your account. How to Generate Credit Card PIN?When you get your new credit card, you receive a welcome kit from your credit card issuer. The welcome kit contains a confidential document which has your PIN. You can use that PIN for your initial transactions, but you must change your PIN at the earliest. Also, do NOT share your credit card’s PIN with anybody to stay away from any misuse of your account. The following steps explain how you can generate your credit card PIN online-
The following steps explain how you can generate your PIN offline-
Points to ConsiderWhen you generate or change your credit card’s PIN, there are a few very important points that you must keep into consideration. We have listed them down for you-
To Conclude: A credit card PIN is a 4-digit personal identification number, which is used to verify the identity of the credit card holder. It is mandatory to enter the PIN in order to complete a transaction. Since, it is only this PIN that proves the identity of the credit card holder, it is important to keep it confidential. Never share your PIN with anybody, whether online or offline in order to protect your credit card against any fraudulent activities. Apply For Credit Card FAQs What is a credit card PIN? A credit card PIN is a 4-digit personal identification number which is used to verify the identity of the credit card holder. A user must enter the PIN in order to authorise any transaction using the credit card. Can I withdraw money from an ATM without entering my credit card PIN? No, you cannot withdraw money from an ATM or make any transaction using your credit card without entering your PIN. What will happen if I share my credit card PIN with somebody else? If you share your credit card PIN with somebody else, there are very high chances that your credit card will be misused and fall prey to fraudsters and skimmers. Hence, you must not share your credit card PIN with anybody else. How can I get my credit card PIN? When you receive your credit card, you get a welcome kit with it. In this welcome kit, you get a confidential document containing your credit card PIN. However, it is advised that you change your credit card PIN as soon as you receive it. How can I change my credit card PIN? You can change your credit card PIN using various online and offline methods. Using the online means, you can change your PIN through internet banking, mobile banking application, writing an email to the bank, or through your bank’s official website. Using the offline means, you can change your PIN by visiting the bank’s branch, or through the ATM. How can I know my credit card pin number?If you have forgotten the PIN number of your Credit Card, you can have the number re-issued. This can be done via IVR, NetBanking or through ATM.
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ATM.. How do I get my credit card PIN online?Online: If you're registered for online banking, you may be able to sign in to your account and request a new PIN on the issuer's website. By Phone: Call the number you see on the back of your card to request a new PIN. You will likely have to provide personal information to confirm your identity.
What is my 4Look for the 4-digit code printed on the front of your card just above and to the right of your main credit card number. This 4-digit code is your Card Security Code.
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