CRED: UPI, Credit Cards, Bills

Dreamplug Technologies Private Limited

About this app

CRED is a members-only app for all payment experiences.
Trusted by over 14 million+ creditworthy members, CRED rewards you for the payments & good financial decisions you make.

What payments can you make on CRED?

✔ Online payments: Pay via UPI or credit card when you checkout from brands like Swiggy & Myntra via CRED pay.
✔ Offline payments: Scan QR codes & pay merchants; activate Tap to Pay for contactless payments.
✔ Send money to anyone: Use CRED UPI to pay phone numbers or UPI IDs.
✔ Transfer money to bank: Send rent or education fees from credit card.
✔ Pay bills: Pay all bills, including utility bills, credit card bills, DTH bills, mobile recharge, house & office rent. Get bill payment reminders so you never miss a due.
✔ Pay credit card bills: Check credit information & manage credit cards without downloading multiple credit card apps.

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.
→ View hidden charges: Automatically detect hidden charges on your credit cards & get alerted on duplicate transactions.
→ Get spending analysis: Keep track of how you use your credit card with a spending analysis chart.
→ Earn rewards: Unlock exclusive perks & privileges, just for being a CRED member.

Upgrade your lifestyle 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.
Education: College fees, school fees, tuition fees, etc.
Telecom Bills: Recharge your Airtel, Vodafone, Vi, Jio, Tata Sky, DishTV, prepaid or postpaid connections, broadband, landline, cable TV, etc.
Utility Bills: Electricity bills, LPG cylinder, piped gas, water bill, municipal tax, etc.
Other Bills: Fastag recharge, insurance premium, loan repayment, etc.

How to be a CRED member?
→ CRED is built to reward creditworthy individuals. To become a CRED member, you need a credit score of 750+.
→ The process is simple → Download CRED → Fill name, mobile number & email ID → Get a free credit score report
→ If your credit score is 750+, you will get a prompt to verify credit card details
→ Enjoy the privileges of being a CRED member

What is Credit Score?

→ It doesn't matter if you have an SBI credit card, Kotak, IDFC, ICICI or HDFC credit card; you can check your credit score on CRED
→ Each credit score has a different scale
→ A score of 700+ on CRIF & Experian is considered to be good
→ A higher credit score is an indicator of good financial behavior

Credit scores shown on CRED:
There are 4 credit bureaus in India - Experian, Equifax, CRIF & CIBIL. CRED can showcase your CRIF, Experian & Equifax credit scores and helps track these credit scores individually.

Can CRED help in improving credit score?
With CRED make bill payments on time which will help improve your credit score over time.

Credit Cards supported on CRED

SBI, HDFC, Axis, Kotak, Standard Chartered, Yes Bank, HSBC, IndusInd, RBL, Bank of Baroda, Kotak Mahindra, Bank of India, all VISA, MasterCard, American Express & 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].

Pay anyone via UPI, clear all your bills, improve your credit score & earn rewards with CRED. Download Now.

Ratings and reviews

Absolutely Horrible Customer Service I've been a loyal CRED user for years, but their recent customer service has been a complete disaster. I've encountered a payment issue and have been unable to get any help whatsoever. Despite trying multiple channels, including email, in-app support, I've only been met with automated messages and endless redirects. It's incredibly frustrating and disappointing that a company I've trusted for so long would provide such terrible support.

I loved using cred app for managing my credit cards it is a very good app. But the only problem is with the spin the wheel to win the mega prize offers. It is so much rigged or programmed in a way that no one can win it. First 2 chances u will get the vouchers which are on the wheel and the last one u will get coins. This is so not good and I'm frustrated. I haven't seen a single statement stating that someone won something in the app. I hope this will be solved.

Cred has turned into more of a shopping site and payment reminder service, with decent rewards replaced by low-value vouchers. It’s pointless to keep getting Airtel vouchers when I’ve been an Airtel postpaid user for years. On top of that, the coins earned for credit card payments have been halved. By the way the Cred coins are worthless and keeps on accumulating in your wallet. The only reason I still use Cred is for fast credit card payments, but I've now started exploring other options.