1) log in to www.hlb.com.my
2) Select fund transfer->interbank GIRO (IBG) from the menu
3) Select your bank account no at "From Account",key in your credit card no at "Non-Registerd" textbox field, Key in the beneficiary Name which should be same as your name appear in your credit card and your IC no too.
4) Select citibank at Receiving bank section. At transfer detail section,key in the amount you want to pay,and key in any transfer reference no that you like.
5)Click submit button after all the information is filled up.
6) After that please check all the information provided is correct, then you can click "Request TAC". you will receive a TAC no from an sms. Key in the TAC no into the TAC textbox in webpage and click Confirm button. There you are ! You have success transfer your payment to your citibank credit card account .