CRED: UPI, Credit Cards, Bills

Dreamplug Technologies Private Limited

About this app

CRED is a members-only app for all credit card & UPI payment experiences.
It is trusted by 1.4 crore+ creditworthy members and is one of the most preferable apps for online UPI, credit card and RuPay on UPI payments.

What payments can you make on CRED?

✔️ Pay credit card bills: Check credit information & manage credit cards without downloading multiple credit card apps.
✔️ ️ Online UPI & Card payments: Pay via online UPI or credit card when you checkout from brands like Swiggy & Myntra via CRED pay to get UPI offers.
✔️ Offline UPI payments: Scan UPI QR codes & pay merchants; activate Tap to Pay for contactless payments & earn UPI cashback for the same!
✔️ Auto Pay: Enable online UPI autopay for recurring bills.
✔️ Pay anyone: Send money to anyone through CRED, even if the recipient uses BHIM UPI, PhonePe, GPay or any other online UPI app other than the CRED UPI app.
✔️ Pay bills: Pay utility bills, credit card bills, DTH bills, mobile recharge, house/office rent, and more to win UPI cashback. Get automatic bill payment reminders on online UPI app so you never miss a due.



What else can you do with a CRED membership?

→ Manage credit cards: Add and manage multiple credit cards on CRED
→ Check bank balance & credit score: Track your credit score report for better financial management
→ View hidden charges: Automatically detect hidden charges on your credit cards & get alerted on duplicate transactions
→ Get smart statements: Keep track of how you use your credit card with smart statements
→ Earn rewards: Unlock exclusive perks, deals, credit card rewards, credit card cashback & UPI cashback just for being a CRED member

Seize all aspects of personal finance with CRED:

→ Curated shopping experience on CRED store
→ Curated stays & holiday packages on CRED escapes at special prices
→ Manage vehicles’ insurance, FASTag, PUCC, and more on CRED garage
→ Get pre-approved personal loans on CRED cash

Bills you can pay using credit card or UPI:

Rent: Pay your house rent, maintenance, office rental, security deposit, brokerage, etc with online UPI payment or credit card
Education: College fees, school fees, tuition fees, etc with credit card and online UPI app
Telecom Bills: Recharge your Airtel, Vodafone, Vi, Jio, Tata Sky, DishTV, prepaid or postpaid connections, broadband, landline, cable TV, etc with online UPI payment
Utility Bills: Electricity bills, LPG cylinder, piped gas, water bill, municipal tax, etc, and set Autopay to never miss a due date & earn UPI offers
Other Bills like Fastag recharge, insurance premium, loan repayment, etc. can also be made through the CRED credit card & UPI app.

Manage your credit score with CRED:

▪️ Credit score is more than a number, it indicates your financial health
▪️ Keep a tab of your past credit scores and track your present one
▪️ See the factors affecting your CIBIL score with CRED
▪️ Make predictions based on the foresight & improve your CIBIL
▪️ Every credit information is encrypted, monitored and protected

Credit Cards supported on CRED:

HDFC Bank, SBI, Axis Bank, ICICI Bank, RBL Bank, Kotak Mahindra Bank, IndusInd Bank, IDFC First Bank, YES Bank, Bank of Baroda, AU SMALL FINANCE BANK, Federal Bank, Citi Bank, Standard Chartered Bank, SBM BANK INDIA LIMITED, DBS Bank, South Indian Bank, AMEX, HSBC Bank, all VISA, Mastercard, Rupay, Diners Club, AMEX, Discover credit cards.

Lending partners on CRED:

IDFC First Bank Limited, Crédit Saison - Kisetsu Saison Finance (India) Private Limited, Liquiloans - NDX P2P Private Limited, Vivriti Capital Pvt Ltd, DBS Bank India Limited, Newtap Finance Pvt. Ltd.

Contact us

Have things on your mind? Don’t keep it to yourself. Contact us at [e-mail].

Do a UPI money transfer, clear all your bills, improve your credit score, pay with RuPay on UPI & earn UPI & credit card rewards with CRED. Download Now.

Ratings and reviews

Only good thing about this app that you can manage your credit card payments on a single platform. Rest everything is pointless. The rewards they offer are useless and pointless I have been offered an Audible subscription for 3 months about 15 times roughly. They fool you in name of cashback... you can only get them through that reward game and that also deducts your cred coins on every turn. Aside from the payment gateway everything else is just a Ponzi scheme.

The app offers a sleek UI, timely bill reminders, and spending insights, making credit card management easier. While it has some cashback and rewards, they’ve become less appealing over time. The app also pushes financial products aggressively. Great for convenience, but not a game-changer for sure.

Worst experience when it comes to buying any product. There are many issues with the return policy, and in most cases, you only discover the terms and conditions after making the purchase — they’re not clearly shown beforehand. The same problem applies to regular items and coupons. After purchasing a coupon, you often realize it’s useless, and the money spent feels completely wasted. The app is good for UPI and credit card payments, but definitely not recommended for any in-app purchases.

What's new

time is relative.
if you were on Miller's planet, time would pass by slowly.
one hour there translates to seven years on our planet.
time is on your side with this upgrade; we've made your CRED experience faster and smoother.
as it should be.
and unlike a Nolan movie, you'll get it instantly.