When there is an excess credit balance on your Citi credit card, the card account balance will reflect as a negative balance.

The excess credit balance could be due to multiple reasons, such as:

• Receiving refund by a merchant post bill payment (e.g., flight tickets getting cancelled by airlines during the pandemic)
• Making duplicate manual payments or making both manual and automatic payments (e.g., when customers forget about recurring instructions with a third party); or
• Erroneously entering the wrong payment amount.

If no action is taken, this excess balance gets adjusted against future purchases on your card account. To claim a refund of the excess balance or to transfer the excess balance to another linked Citi Credit Card or linked Citibank account, please contact our 24*7 CitiPhone helpline on 1860 210 2484 (within India) or +91 22 4955 2484 (from outside of India). The credit to your account may take up to 3 working days from the time of refund initiation.

Points to note:

• IMPS/NEFT
  • For payments made via IMPS/NEFT from your bank account, refund can be initiated to the source account from which the payment was made.
  • For payments made via IMPS/NEFT from a third-party app (TPA), refund can be initiated to your bank/source account. For this we would require the following details:
    • Your Name
    • Bank Name
    • Bank Account Number
    • Bank IFSC Code
    • Account type
    • Debit proof of the source account that was used to fund the third-party application
• Other modes of payment – Refund may be processed post internal checks. For payment modes other than IMPS/NEFT/RTGS, we would mandatorily require details of debit proof/source of payment.