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Pay your credit card

  • Updated

Pay your credit card in multiple ways. Add your card to your bank’s payee list. If you don’t use online banking, you can pay in person or by telephone. To pay your credit card in real-time, move funds from your Neo Money™ account using the Neo app or website.

Ways to pay your credit card

Pay your credit card statement or a minimum payment amount in different ways:

  • Pay your credit card from an external bank
  • Pay your credit card from Neo Money™ account
  • Cash out cashback to your credit account

Pay your credit card from an external bank

Pay your credit card from an external bank by adding your card to your payee list for ‌one-time or recurring payments. Payments made from an external bank can take 1 to 3 business days to be posted to your credit account.

Use your Neo Money™ account to pay your credit card in real-time.

Here’s a step-by-step video guide on how to pay your credit card from an external bank.

Steps to pay your credit card from an external bank

Here are the steps you can follow to pay your credit card from an external bank.

  1. Log in to your bank (If your bank isn't listed below, sign in to your external online bank account
  2. Find and select Move Money, Pay a bill, or a Bill Payment feature
  3. Review the sections below to add your credit card to the payee list and complete your payment

Add your credit card to your payee list

To add your credit card to your payee list, you’ll need two details:

  • Payee name (company or organization name
  • Most recent 16-digit credit card number (account number)

If you use any old 16-digit credit card number to pay your credit card, contact your bank and ask for a payment reversal as the payment made will not be posted to your credit account.

Search payee name for your credit card in your bank

Payee name may differ for each credit card and bank. Use the same payee name for payments made online, in-person, or by phone.

If you have a Neo Credit card or Hudson’s Bay Mastercard, search for the following payee names in your online banking:

  • Neo Financial
  • Mastercard, Neo Financial
  • Neo Financial Technologies LTD./Inc

If you have a Cathay World Elite® Mastercard, search for the following payee names in your online banking:

  • Neo World Elite
  • Neo Financial WORLD ELITE
  • MASTERCARD, NEO FIN. WORLD EL

Pay your credit card from Neo Money™️ account

Pay your credit card from your Neo Money™️ account in real-time. Select Pay now and choose the amount you want to pay in your credit account from Credit on the Neo app or website.

Neo app

  1. Log in to the Neo app
  2. Select Credit and select your account
  3. Tap Pay now and select your Neo Money™️ account
  4. Choose the amount and tap Transfer to complete your payment

Web

  1. Log in to member.neofinancial.com
  2. Click on Credit from the left-side menu and select your account
  3. Click on Pay now and select your Neo Money™️ account
  4. Choose an amount and click on Continue to complete your payment

Cash out cashback to your credit account

Cash out cashback to your credit card to lower your total balance, but cashback doesn’t count towards your credit card minimum payment. Make a minimum payment to keep your credit account in good standing.

Avoid credit card fees

To avoid credit card fees (including interest fees and overlimit fees), pay your full credit card statement before the minimum payment due date.

Interest fees on your credit card

To avoid interest fees on your credit card, pay the full statement balance and never miss to pay the minimum payment before the payment due date. Enable Auto-Pay in your credit account from Credit on the Neo app or website to automate payments from Neo Money™ account.

Here’s a step-by-step guide to setting up Auto-Pay for your credit card.

Overlimit fees on your credit card

To avoid overlimit fees on your credit card, never exceed your credit limit. Learn more about how overlimit fees work and get tips to avoid overlimit fees.

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