CIMB Islamic Bank Berhad (671380-H) Credit Card PIN & PAY – Frequently Asked Questions (FAQ) 1. What is a PIN & PAY card? PIN & PAY card is a PIN - enabled card that allows you to make purchase by keying in a 6-digit PIN, with no signature required. It is an enhanced payment method and will make an already safe payment system even more secure. Changing to PIN & PAY payment method is an industry-wide initiative mandated by Bank Negara Malaysia. 2. What is a PIN? A PIN, or Personal Identification Number, is a secret code selected by you to prove that you are the rightful holder of the card. The PIN for CIMB Islamic credit cards issued in Malaysia consists of six digits. Your PIN must always be kept secret and never noted down or exposed anywhere or disclosed to anyone. 3. Why is PIN & PAY safer than signing? With both your card and 6-digit PIN selected by you, signature verification will no longer be required. As the PIN is known only to you, you have greater protection against fraud if your card is lost or stolen. So remember, keep the PIN a secret! 4. Why do I need to receive a new card to use PIN? You will be issued a new PIN & PAY card because your current card does not support PIN for payment. From 1 January 2017 onwards, all payment terminals in Malaysia will only accept PIN & PAY cards. 5. When will I get my PIN & PAY card? We will be issuing PIN & PAY cards in phases in 2016 to replace the current cards. In the meantime, you may continue using your existing card until your replacement card is received. 6. Can I request a PIN & PAY card sooner? No, there is no need to call in to request for a PIN & PAY card as the transition to PIN & PAY cards is an automated process. 7. Can I continue using my existing card after I have received my PIN & PAY card? Your existing card will be deactivated 90 days after your new PIN & PAY card is issued. Please activate and use your PIN & PAY card once you receive it to avoid any interrupted service. 8. Do I need to pay additional fees to get a new PIN & PAY card? No additional fees apply to your new PIN & PAY card.
Transcript
CIMB Islamic Bank Berhad (671380-H)
Credit Card PIN & PAY – Frequently Asked Questions (FAQ) 1. What is a PIN & PAY card?
PIN & PAY card is a PIN - enabled card that allows you to make purchase by keying in a 6-digit PIN,
with no signature required. It is an enhanced payment method and will make an already safe payment
system even more secure. Changing to PIN & PAY payment method is an industry-wide initiative
mandated by Bank Negara Malaysia.
2. What is a PIN?
A PIN, or Personal Identification Number, is a secret code selected by you to prove that you are the
rightful holder of the card. The PIN for CIMB Islamic credit cards issued in Malaysia consists of six
digits. Your PIN must always be kept secret and never noted down or exposed anywhere or disclosed
to anyone.
3. Why is PIN & PAY safer than signing?
With both your card and 6-digit PIN selected by you, signature verification will no longer be required.
As the PIN is known only to you, you have greater protection against fraud if your card is lost or stolen.
So remember, keep the PIN a secret!
4. Why do I need to receive a new card to use PIN?
You will be issued a new PIN & PAY card because your current card does not support PIN for
payment. From 1 January 2017 onwards, all payment terminals in Malaysia will only accept PIN & PAY
cards.
5. When will I get my PIN & PAY card?
We will be issuing PIN & PAY cards in phases in 2016 to replace the current cards. In the meantime,
you may continue using your existing card until your replacement card is received.
6. Can I request a PIN & PAY card sooner?
No, there is no need to call in to request for a PIN & PAY card as the transition to PIN & PAY cards is
an automated process.
7. Can I continue using my existing card after I have received my PIN & PAY card?
Your existing card will be deactivated 90 days after your new PIN & PAY card is issued. Please
activate and use your PIN & PAY card once you receive it to avoid any interrupted service.
8. Do I need to pay additional fees to get a new PIN & PAY card?
No additional fees apply to your new PIN & PAY card.
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9. I just received my renewal card in October 2015, when is the latest that I will receive my PIN &
PAY card?
You will receive your PIN & PAY card by January 2017, at the latest.
10. What if I don’t receive my new PIN & PAY card by January 2017?
It may be that your existing signature-based card is not activated. To receive your new PIN & PAY
card, please call the number on the back of your card.
11. How will the new card be delivered to me?
Your new PIN & PAY card will be delivered to you via normal mail.
12. What do I need to do once I receive my PIN & PAY card?
You must ACTIVATE your card according to the instructions accompanying your new card. If you have
registered your mobile phone with the bank, you will receive your Temporary PIN via SMS. You must
then change the Temporary PIN to your Personal PIN.
13. What if I haven’t registered my mobile phone number with the bank?
You will receive your Temporary PIN in a PIN mailer which you must change to your Personal PIN.
14. How do I change my Temporary PIN?
You can do so via 2 options:
(i) CIMB BANK/CIMB ISLAMIC ATM or
(ii) CIMB Clicks (www.cimbclicks.com.my)
You are strongly advised to change the Temporary PIN to a 6-digit PIN that is known only to you.
15. Is the PIN I use for making purchases the same as the PIN used to withdraw cash at ATMs?
Yes, each card will have only one PIN and can be used for both points of sales (“POS”) for purchases
and cash withdrawals at ATMs. Instructions on how to activate your PIN and card will be sent together
with the new card.
16. Will the PIN be used to make purchases online or over the telephone?
No, the PIN that you use for POS transactions and at ATMs must never be entered online or disclosed
over the telephone.
17. What happens if I use my PIN & PAY card at a point of sales terminal that doesn’t support PIN?
I’ve noticed that some local and overseas terminals do not accept the PIN payment method.
At POS terminals that do not support PIN including local and overseas terminals, your signature will be
required to verify your transaction. Please ensure you sign on your new PIN & PAY card as soon as
you receive it.
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18. How will I know when a PIN is required at the point of sales terminal?
The point of sales terminal will determine if PIN is required or not. If PIN is required, it will ask for PIN.
All you need to do is to follow the prompts on the terminal.
19. Do I need to enter my PIN whenever I use the card in Malaysia?
No, not all transactions at point of sales will need PIN:
Contactless credit card transactions below RM250 do not require PIN
At a terminal that does not support PIN, your signature will be required
20. What happens if I enter the wrong PIN?
You will be allowed three (3) attempts before your PIN is blocked. Limited PIN tries protects you
against the possibility of a criminal act using your card. If your PIN becomes blocked, please contact
us to receive a new Temporary PIN. You may call the number on the back of your card or visit CIMB
Clicks. PIN change on CIMB Clicks will be available from 21 November 2015 onwards.
21. What happens if I forget my PIN?
Before 1 January 2017, signature will still be allowed when using your new PIN & PAY card. If you
cannot remember your PIN while transacting at an attended terminal, the retailer will assist you to
complete your transaction using signature. After 1 January 2017, you will no longer be allowed to use
your card at a POS terminal in Malaysia without your PIN.
As a security measure, you must enter your PIN at automated fuel dispensers and other unattended
terminals if you are prompted for your PIN, even before 1 January 2017. If you forget your PIN, you will
not be able to use your card at these unattended terminals.
If you do forget your PIN, please contact us to receive a new Temporary PIN. You may call the number
on the back of your card or visit CIMB Clicks. PIN change on CIMB Clicks will be available from 21
November 2015 onwards.
22. How do I keep my PIN secure?
It’s very important that you keep your PIN secret to protect against fraud should your card be lost or
stolen. Here are some ways to have a PIN that is not easily guessed:
DO NOT:
- use numbers that are associated with you, such as your birthdate, telephone number or
identity card number;
- keep a written record of your PIN;
- allow another person to see your PIN when you enter it;
- disclose your PIN to anyone including your family members;
DO notify CIMB Islamic immediately if you become aware that your PIN has become known to
someone else.
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23. What is the “WiFi” icon on the credit card?
It means your credit card comes with Contactless feature. You can simply tap or wave the card on
contactless enabled card reader to make payment.
24. How do I use my PIN & PAY card for contactless transactions?
After your card is tapped or waved on contactless enabled card reader, the terminal will prompt for PIN
for credit card transactions above RM250. Contactless transactions below RM250 will not require PIN.
The RM250 limit however is subject to change.
25. What about supplementary card? Will they be changed too?
Yes. All the supplementary cards linked to your current principal card will be changed to the new PIN &
PAY cards.
26. Will I receive my principal/ supplementary cards together?
The transition to PIN & PAY cards is done in batches and you might not receive all your
principal/supplementary cards at the same time.
27. What about supplementary cardmembers and their PIN?
The new PIN & PAY supplementary cards will be sent to the principal cardmember’s address that is
registered with the bank. The supplementary card’s Temporary PIN will be sent to the principal
cardmember, after which, the supplementary cardmember must change the Temporary PIN to a
Personal PIN.
28. Will my current credit limit be increased?
No. Your new card credit limit will remain the same as per your current card.
29. My current card is registered for auto-billings/ standing instructions/ takaful / IPP. Do I need to
change them manually?
No. As such, all your current auto-billings/ standing instructions/ takaful/ IPP will be transferred
automatically to your new card.
30. My current card is tagged with Touch `n Go Zing card. What do I need to do?
Your Touch `n Go Zing card will be transferred automatically to your new card upon card activation. If
there is no activation after 90 days, the auto reload of Zing card will be temporarily blocked. Once you
activate your new card, kindly allow 2 working days to enable the Zing card auto reload.
31. What will happen to my new credit card if I fail to activate it within 90 days?
The new credit card is still valid to be activated. However, to avoid any of your transactions being
declined you are highly encouraged to activate your new card immediately once you received it.
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32. Do I need to call up Call Centre for replacement card or can I go to the branch to activate it after
90 days?
No. Please follow the instructions on the card carrier for steps on how to activate your card as well as
PIN change.
33. I have accumulated bonus points with my current card. What will happen to all the bonus
points with the new card?
All your existing bonus points will be transferred to your new card. This applies only to the following
card (CIMB Islamic Platinum MasterCard).
34. The credit card I have now is linked to my current/savings account, which I can use like an
ATM/debit card for my daily banking needs. With this new PIN & PAY credit card, can I continue
to enjoy this service?
No, the new PIN & PAY credit card can no longer be linked to your current/savings account.
35. Can I disable the ATM cash withdrawal function for the new card?
No, you can’t disable this function as the new PIN & PAY credit card has cash withdrawal as a
standard feature.
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Kad Kredit PIN & BAYAR – Soalan Lazim
1. Apakah itu kad PIN & BAYAR?
Kad PIN & BAYAR adalah kad berkeupayaan PIN yang membolehkan anda membuat pembelian
dengan memasukkan PIN 6 angka, tanpa memerlukan tandatangan. Ia adalah kaedah pembayaran
yang dipertingkatkan dan akan menjadikan sistem pembayaran yang sudah selamat menjadi lebih
selamat. Perubahan kepada kaedah pembayaran PIN & BAYAR adalah satu inisiatif seluruh industri
yang diberi mandat oleh Bank Negara Malaysia.
2. Apakah itu PIN?
PIN, atau Nombor Pengenalan Peribadi, adalah kod rahsia yang dipilih oleh anda untuk membuktikan
bahawa anda adalah pemegang kad yang sah. PIN untuk kad kredit CIMB Islamic yang dikeluarkan di
Malaysia mempunyai enam angka. PIN anda mestilah sentiasa dirahsiakan dan tidak boleh dicatitkan
atau dibongkarkan di mana-mana atau didedahkan kepada siapa-siapa.
3. Mengapakah PIN & BAYAR lebih selamat daripada tandatangan?
Dengan kedua-dua kad dan PIN 6 angka yang dipilih oleh anda, pengesahan tandatangan tidak lagi
diperlukan. Memandangkan hanya anda yang mengetahui PIN anda, anda mempunyai pelindungan
yang lebih besar daripada penipuan sekiranya kad anda hilang atau dicuri. Jadi ingat, sentiasa
rahsiakan PIN anda!
4. Mengapakah saya perlu menerima kad baharu untuk menggunakan PIN?
Anda akan diberikan kad PIN & BAYAR baharu kerana kad sedia ada anda tidak menyokong PIN untuk
pembayaran. Bermula dari 1 Januari 2017, semua terminal pembayaran di Malaysia hanya menerima
kad PIN & BAYAR.
5. Bilakah saya akan menerima kad PIN & BAYAR?
Kami akan mengeluarkan kad PIN & BAYAR secara berperingkat pada tahun 2016 bagi menggantikan
kad sedia ada. Sementara itu, anda boleh terus menggunakan kad sedia ada anda sehingga kad
gantian anda diterima.
6. Bolehkah saya meminta kad PIN & BAYAR lebih cepat?
Tidak, anda tidak perlu menghubungi kami untuk meminta kad PIN & BAYAR kerana peralihan kepada
kad PIN & BAYAR merupakan satu proses automatik.
7. Bolehkah saya terus menggunakan kad sedia ada saya selepas saya menerima kad PIN &
BAYAR saya?
Kad sedia ada anda akan dinyahaktifkan 90 hari selepas kad PIN & BAYAR baharu anda dikeluarkan.
Sila aktifkan dan gunakan kad PIN & BAYAR anda sebaik sahaja anda menerimanya untuk
mengelakkan sebarang gangguan perkhidmatan.
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8. Perlukah saya membayar fi tambahan untuk mendapatkan kad PIN & BAYAR baharu?
Tiada fi tambahan dikenakan untuk kad PIN & BAYAR baharu anda.
9. Saya baru menerima kad baharu saya pada bulan Oktober tahun 2015, bilakah paling lewat saya
akan menerima kad PIN & BAYAR?
Anda akan menerima kad PIN & BAYAR anda selewat-lewatnya pada bulan Januari 2017.
10. Bagaimana jika saya tidak menerima kad PIN & BAYAR baharu saya sebelum bulan Januari
2017?
Ia mungkin kerana kad berasaskan tandatangan sedia ada anda tidak diaktifkan. Untuk menerima kad
PIN & BAYAR baharu anda, sila hubungi nombor yang tertera di belakang kad anda.
11. Bagaimana cara kad baharu dihantar kepada saya?
Kad PIN & BAYAR baharu anda akan dihantar kepada anda melalui pos biasa.
12. Apa yang perlu saya lakukan setelah saya menerima kad kredit PIN & BAYAR?
Anda harus AKTIFKAN kad anda mengikut arahan yang disertakan bersama kad baharu anda. Jika
anda telah mendaftar nombor telefon mudah alih anda dengan pihak bank, anda akan menerima PIN
Sementara anda melalui SMS. Jika tidak, anda akan menerima PIN Sementara anda melalui mel yang
dihantar ke alamat surat-menyurat anda. Anda harus menukar PIN Sementara kepada PIN Peribadi
anda.
13. Bagaimana jika saya tidak mendaftar nombor telefon mudah alih saya dengan bank?
Anda akan menerima PIN Sementara melalui kiriman pos yang mana perlu anda tukarkan kepada PIN
Peribadi anda.
14. Bagaimana saya boleh menukar PIN Sementara saya?
Anda boleh melakukannya melalui 2 pilihan:
(i) ATM CIMB BANK/CIMB ISLAMIC atau
(ii) CIMB Clicks (www.cimbclicks.com.my)
Anda dinasihatkan untuk menukar PIN Sementara kepada PIN Peribadi yang diketahui oleh anda
sahaja.
15. Adakah PIN yang saya gunakan untuk membuat pembelian sama seperti PIN yang digunakan
untuk mengeluarkan tunai di ATM?
Ya, setiap kad hanya mempunyai satu PIN dan boleh digunakan untuk pembelian di terminal jualan
(POS) dan pengeluaran tunai di ATM. Arahan tentang cara untuk mengaktifkan kad dan menukar PIN
akan dihantar bersama-sama kad baharu.
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16. Adakah PIN akan digunakan untuk melakukan pembelian dalam talian atau melalui telefon?
Tidak, PIN yang anda gunakan untuk transaksi di POS dan ATM tidak seharusnya dimasukkan di dalam
talian atau didedahkan melalui telefon.
17. Apakah yang akan berlaku jika saya menggunakan kad PIN & BAYAR saya di terminal yang tidak
menyokong PIN? Saya dapati bahawa sesetengah terminal tempatan dan luar negara tidak
menerima kaedah bayaran PIN.
Di terminal POS yang tidak menyokong PIN termasuk terminal tempatan dan luar negara, tandatangan
anda diperlukan untuk mengesahkan transaksi anda. Sila pastikan anda menandatangani di kad PIN &
BAYAR baharu anda sebaik sahaja anda menerimanya.
18. Bagaimana untuk saya mengetahui bilakah PIN diperlukan di terminal tempat jualan?
Terminal di tempat jualan akan menentukan sama ada PIN diperlukan atau tidak. Jika PIN diperlukan, ia
akan meminta PIN. Anda hanya perlu mengikuti langkah yang diarahkan oleh terminal.
19. Adakah saya perlu masukkan PIN saya apabila saya menggunakan kad di Malaysia?
Tidak, bukan semua transaksi di POS memerlukan PIN:
Transaksi kad kredit tanpa sentuhan di bawah RM250 tidak memerlukan PIN
Di terminal yang tidak menyokong PIN, tandatangan anda diperlukan
20. Apakah yang akan berlaku jika saya memasukkan PIN yang salah?
Anda akan dibenarkan untuk membuat tiga (3) percubaan sebelum PIN anda disekat. Percubaan PIN
yang terhad melindungi anda daripada kemungkinan penjenayah menggunakan kad anda. Jika PIN
anda disekat, sila hubungi kami untuk mendapatkan PIN Sementara yang baharu. Anda boleh
menghubungi nombor yang tertera di belakang kad anda atau melayari CIMB Clicks. Pertukaran PIN
melalui CIMB Clicks akan disediakan mulai 21 November 2015.
21. Apakah yang akan berlaku sekiranya saya terlupa PIN saya?
Sebelum 1 Januari 2017, tandatangan masih dibenarkan apabila menggunakan kad PIN & BAYAR
baharu anda. Jika anda terlupa PIN anda semasa melakukan transaksi di tempat jualan yang
mempunyai pengendali, peruncit akan membantu anda untuk melengkapkan transaksi anda
menggunakan tandatangan. Selepas 1 Januari 2017, anda tidak lagi dibenarkan untuk menggunakan
kad anda di terminal tempat jualan di Malaysia tanpa PIN anda.
Sebagai langkah keselamatan, anda mesti memasukkan PIN anda di dispenser petrol automatik dan
terminal tanpa pengendali lain, walaupun sebelum 1 Januari 2017. Jika anda terlupa PIN, anda tidak
akan dapat menggunakan kad anda di terminal tanpa pengendali ini.
Jika anda terlupa PIN anda, sila hubungi kami untuk mendapatkan PIN Sementara yang baharu. Anda
boleh menghubungi nombor yang tertera di belakang kad anda atau melayari CIMB Clicks. Pertukaran
PIN melalui CIMB Clicks akan disediakan mulai 21 November 2015.
