• Notice on CIMB Credit Cards Pre-Authorisation

Notice on CIMB Credit Cards Pre-Authorisation

1.      What is a pre-authorisation?

Pre-authorisation is a temporary hold of a specific amount from the available credit limit on the payment card. It is used to verify that the card is active and has sufficient available credit limit prior to your transaction.

 

2.      At what instances will pre-authorisation be performed to my account?

Pre-authorisation will/may happen when you use your cards in situations including but not limited to the following:

i)                    At a self-service pump (automated fuel dispenser)

ii)                  Upon check-in at a hotel

 

3.      What will be the pre-authorisation amount on my card?

  • Petrol: The pre-authorisation amount at self-service pumps for CIMB credit cards in Malaysia is set at RM200. The pre-authorisation must happen before the fuel is pumped and the actual amount of fuel pumped is not yet known at the time of the pre-authorisation. The pre-authorisation amount will then be released and the actual amount will be charged upon settlement by the merchant within 3 - 4 working days.
  • Hotel: The pre-authorisation amount at the hotel varies depending on the duration of stay. The pre-authorisation amount will be released once the actual amount is processed and charged to your card after you check-out of the hotel.

 

4.      Is PIN needed to perform pre-authorisation?

Yes. Please note that PIN is required for all Malaysian credit cards used for pre-authorisation. Use of PIN further enhances security for payment card transactions, including pre-authorisation at hotel check-in.


More info on pre-authorisation at a self-service pump

1.      What happens when I use my CIMB Credit Card at a self-service pump?

When you use your card at a self-service pump (automated fuel dispenser) at a petrol station, the fuel transaction has to be pre-authorised before you can start pumping fuel into your vehicle. This is performed by sending a pre-authorisation amount on the payment card to your card issuer.

 

2.      What if the amount of fuel pumped is less than the pre-authorisation amount?

The amount of the pre-authorisation is not a charge and no funds are debited from the card account, but the available balance on the card is temporarily reduced by the pre-authorisation amount. The pre-authorisation amount will be released and the actual amount will be charged upon settlement by the merchant within 3 - 4 working days.

 

3.      What if my available funds are less than RM200 or if I want to avoid a RM200 hold of funds on my card?

Customers who want to avoid pre-authorisation at self-service pumps are advised to go to the cashier where the exact purchase amount would be deducted from the cardholder’s account.

 

More info on pre-authorisation at a Hotel

1.      What is pre-authorisation at a hotel?

When you check-in to a hotel, the staff at the front desk may request a deposit to cover any incidental charges during your stay. If you choose to use a credit card for this purpose, the hotel cashier will perform a transaction using your card called a pre-authorisation. When your issuing bank approves the pre-authorisation, this has the effect of reserving the amount of the deposit requested by the hotel on your card.

 

2.      Will I get the pre-authorisation amount back and when will it be released?

  • Please note that an approved pre-authorisation does not mean you will be charged for the amount of the deposit. It simply puts a hold on the requested funds.
  • The actual amount that will be charged to your card will be determined when you check-out of the hotel, and it is only then that this final amount will be billed to your card.
  • The pre-authorisation amount will be released once the final amount is processed and charged to your card after you check-out of the hotel.
  • If there is no final amount to pay, or the hotel does not send a final amount to us, the pre-authorisation amount will be released after several days.