It's valid, that's the proper SOP to prevent fraud, we don't practice that (verifying the name on the card to the owner by asking for ID) and sometimes we have fraud cases happening more here. Cutting corners, etc.

I am an advocate that all physical cards should not have the contactless payments coil/ feature in them, it's a security nightmare, if I found a card that was dropped on the street, I can shop up to RM 250, groceries, petrol, meals, entertainment.

Contactless payments should go through a layer like Apple Pay/ Google Pay/ Samsung Pay

When I was working as a retail crew in an electronic gadgets shop, the customer made a high volume transaction, more than RM 5,000. An officer from CIMB called the store and I picked up the phone and was requested to ask for the customers I.C and cross reference it with the credit card used.

Take it as it is, I'm not here to argue, just sharing my experiences.

Citibank is sold to UOB Malaysia, they literally left many markets including Malaysia as part of their consolidation plan. Just better off hoping that UOB supports Apple Pay instead, they don't even support Samsung Pay which has been in Malaysia since 2016. All they have is through their own UOB Mighty app and the NFC payment only works on Android

So..... CIMB MY lied to all of the iOS device users in Malaysia saying that Apple Pay would be supported around H2 2023

wrong place to ask, but yes you can