How to change ICICI credit card PIN?

It takes only a few minutes.

Changing the PIN improves security and helps prevent misuse.

It can be done through app, NetBanking, ATM, or customer care.

Let’s go step by step.

Why Changing Credit Card PIN Is Important

Credit cards issued by ICICI Bank allow PIN updates anytime.

Changing PIN helps:

• Improve security
• Prevent unauthorized transactions
• Replace forgotten PIN
• Maintain safer card usage

Updating PIN regularly is a good habit.

Method 1: Change ICICI Credit Card PIN Through Mobile App

This is the easiest method.

Steps usually include:

1. Open ICICI mobile banking app
2. Log in using registered credentials
3. Go to “Cards” section
4. Select the credit card
5. Tap on “Change PIN”
6. Enter OTP sent to registered mobile number
7. Set new 4-digit PIN

PIN change happens instantly.

No ATM visit required.

Method 2: Change PIN Through NetBanking

If using desktop or laptop:

1. Log in to ICICI NetBanking
2. Go to Credit Cards section
3. Select the card
4. Choose “Change PIN” option
5. Enter OTP verification
6. Set new PIN

Changes apply immediately.

Method 3: Change PIN at ICICI ATM

Offline option is also available.

Steps:

1. Visit ICICI ATM
2. Insert credit card
3. Select “Change PIN” option
4. Enter existing PIN
5. Set new PIN

ATM confirmation completes the process.

Instant update.

Method 4: Change PIN Through Customer Care

If digital access is unavailable:

• Call ICICI customer care
• Verify identity details
• Follow IVR instructions
• Update PIN

Confirmation is provided once completed.

What If Existing PIN Is Forgotten?

If PIN is forgotten:

• Choose “Generate New PIN” option
• Verify using OTP
• Set fresh PIN

Old PIN is not required in this case.

OTP verification replaces it.

When Should PIN Be Changed?

Changing PIN is recommended when:

• PIN is forgotten
• Suspicious activity is noticed
• Card was shared during transactions
• Security feels compromised

Regular updates improve safety.

Is There Any Fee to Change PIN?

No.

Changing ICICI credit card PIN is completely free.

Charges apply only if:

• Cash withdrawal is made
• Interest accumulates on unpaid bills
• Late payment fees apply

PIN update itself has no cost.

What If OTP Is Not Received?

If OTP does not arrive:

• Check mobile network signal
• Ensure registered mobile number is active
• Retry after a few minutes
• Contact customer care if issue continues

OTP verification is mandatory.

Without OTP, PIN cannot be changed.

Security Tips for Credit Card PIN

Quick reminders:

• Do not share PIN with anyone
• Do not write PIN on the card
• Avoid simple combinations like 1234
• Avoid using birth year

Strong PIN improves card security.

Does Changing PIN Affect Credit Score?

No.

Changing PIN has no effect on credit score.

Credit score depends on:

• Payment history
• Credit utilisation
• Loan behaviour

Security settings do not impact credit profile.

How Long Does PIN Change Take?

Time required:

• Mobile app → 2–3 minutes
• NetBanking → 3–5 minutes
• ATM → Instant

Changes usually apply immediately.

FAQ

Can ICICI credit card PIN be changed online?

Yes, through mobile app or NetBanking.

Is OTP required to change PIN?

Yes, OTP verification is usually mandatory.

What if the PIN is forgotten?

A new PIN can be generated using OTP verification.