Do credit cards have PINs?

Yes, credit cards in India have a 4-digit Personal Identification Number (PIN) for enhanced security. According to Reserve Bank of India (RBI) guidelines, this PIN is mandatory for authenticating transactions at Point-of-Sale (POS) terminals and for withdrawing cash from ATMs. It acts as a critical layer of protection against unauthorized use. While some contactless transactions below a certain limit may not require a PIN, it remains essential for most physical and high-value payments to ensure safe and secure card usage.