CRED: Credit Cards, Bills, UPI

Dreamplug Technologies Private Limited

About this app

CRED is a members-only app for all payment experiences.
Trusted by over 1.4Cr+ creditworthy members, CRED rewards you for the good financial decisions you make.

What payments can you make on CRED?
→ Credit card bills: Check & manage credit cards without multiple credit card apps.
→ Online payments: Pay via UPI or credit card on Swiggy, Myntra & more.
→ Offline payments: Scan QR codes or Tap to Pay for contactless payments.
→ Pay anyone: Send money to anyone through CRED, even if they use BHIM UPI, PhonePe, GPay or any other UPI app.
→ Transfer money to bank accounts: Send rent or education fees from your credit card.
→ Autopay: Set up UPI autopay for recurring bills.
→ Pay bills: Pay utility bills, credit card bills, DTH bills, mobile recharge, house/office rent, and more. Get automatic bill reminders so you never miss a due.

What comes with your CRED membership:
Manage multiple credit cards easily
Track your credit score & bank balance
Spot hidden charges & duplicate spends
Get smart statements for better insights
Unlock exclusive rewards & privileges

Bills you can pay using credit card or UPI:
Rent: Pay your house rent, maintenance, office rental, security deposit, brokerage, etc.
Education: College fees, school fees, tuition fees, etc.
Telecom Bills: Recharge your Airtel, Vodafone, Vi, Jio, Tata Sky, DishTV, prepaid or postpaid connections, broadband, cable TV, etc.
Utility Bills: Electricity bill, LPG cylinder, water, municipal tax, piped gas bill payment online, etc.
Other Bills like FASTag recharge, insurance premium, loan repayment, etc.

How to be a CRED member?

→ To become a CRED member, you need a credit score of 750+
→ Download CRED, enter your details, and get a free credit score report
→ If your credit score is 750+, verify your credit card details and become a member

Manage your credit score with CRED:
▪️ Credit score is more than a number, it indicates your financial health
▪️ Keep a tab of your past scores and track your present one
▪️ See the factors affecting your CIBIL score
▪️ Make predictions based on foresight & improve your CIBIL score
▪️ 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, HSBC Bank, all VISA, Mastercard, RuPay, Diners Club, AMEX, Discover credit cards.

• DTPL acts as a Lending Service Provider (LSP)
• CRED app acts as a Digital Lending App (DLA)

Personal loans eligibility criteria
* Age: 21- 60 years
* Annual household income: ₹3,00,000
* Should be a resident of India
* Loan Amount: ₹100 to ₹20,00,000
* Repayment Tenure: 1 Month to 84 Months

Loan against mutual fund eligibility criteria:
* Age: 18-65 years, Mutual Fund Investment: Min. ₹2000 Portfolio, *Subject to Lender Policy, Should be a resident of India
* Loan Amount: ₹1000 to ₹50,00,000
* Repayment Tenure: 1 Month to 60 Months

Annual Percentage Rate (APR): 9.5% to 45%

Example:
If you borrow ₹5,00,000 for 3 years at 20% p.a.
EMI: ₹18,582 | Processing Fee: ₹17,700
Total Payable: ₹6,68,945 | Total Cost: ₹1,86,645
Effective APR: 21.92%

CRED flash: pay at partner merchants now and repay later, as per lender-approved limits, fees, and KFS terms.

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, L&T Finance Limited, YES BANK Limited, DSP Finance Pvt Limited, Poonawalla Fincorp Limited, KrazyBee Services Limited.

Have things on your mind? Contact us at [e-mail].

Grievance Officer: Atul Kumar Patro
[e-mail]

Send money via UPI, clear all your bills, improve your credit score & earn rewards with CRED. Download now.

Ratings and reviews

This app is only useful for seeing all your credit cards in one place so you never miss a bill payment. Other than that, 95% of the coupons and vouchers are totally useless, and the NFC payment feature simply doesn't work. I raised tickets with customer support twice, and both times they just closed them by telling me to update the app without fixing anything. Plus, the 777 reward concept is nothing more than a gamble where nobody ever wins the actual prizes.

It seems that there is no cashback available when using the IndusInd credit card, and the charges from Cred for managing your credit cards are somewhat convenient. You can easily link and manage multiple credit cards all in one place, which makes it really simple to keep track of what you have. This feature is particularly useful for managing your finances. However, some of the other features may not be as beneficial, as cashback options aren't available.

I have been using this app for the past 15 days. While it may be suitable for UPI payments, I strongly advise against using it for credit card payments. I was charged a service fee of ₹3,300 for a single credit card payment. If biometric authentication is enabled, the payment is processed immediately, leaving little opportunity to review the charges. For first-time users, the payment details are not presented clearly, making the fee easy to miss. This reflects poor transparency in the payment.

What’s new

the one wish willow grants exactly one wish.
that feels unnecessarily restrictive.

so this release comes with a few:

faster UI.
fewer glitches.
smoother movement.
fixes where fixes were due.

this update exists to approve multiple wishes at once.

experience a healthier kind of obsession, abundance.