During oxidation, CO molecules collide with oxygen molecules. But only active molecules with a certain activation energy lead to a reaction in a collision. Temperature and catalyst reduce the activation energy. In your case, active molecules appear on the catalyst surface at temperatures above 100 ° C. In our studies on a platinum catalyst, more than 120 ° C.
Article Preparation of Nanomaterials from Aqueous Solutions Imitatin...
You can see the basics of kinetics and catalysis in the tutorial
Data Yu. A. Mirgorod, R.V. Grebennikova. Glossary on Physical Chemistry
Each catalyst has a characteristic temperature below which a given reaction will not proceed. It is related to various mechanisms of catalyzed reactions.