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 1.4 crore+ creditworthy members, CRED rewards you for the payments & 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, with CRED pay.
✔️ Offline payments: Scan QR codes or activate Tap to Pay for contactless payments.
✔️ Pay anyone: Send money to anyone through CRED, even if the recipient uses BHIM UPI, PhonePe, GPay or any other UPI app.
✔️ Transfer money to bank accounts: Send rent or education fees from your credit card.
✔️ UPI Auto Pay: 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 payment 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, landline, cable TV, etc.
Utility Bills: Electricity bills, LPG cylinder, water bill, 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 → Fill your name, mobile number & email ID → Get a free credit score report
→ If your credit score is 750+, you will get a prompt to verify your credit card details.

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 with CRED
▪️ 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, AMEX, 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 ₹2,00,00,000
* Repayment Tenure: 1 Month to 72 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%

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 Ltd, Newtap Finance Pvt. Ltd, L&T Finance Ltd, YES BANK Limited, DSP Finance Pvt Ltd, Aditya Birla Capital Ltd.

Have things on your mind? Don’t keep it to yourself. 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

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.

Got some vouchers by redeeming some coins. I always thought they were useless and I should have continued with that thought. One day I was stupid enough to place some orders, although the vouchers made the cart value zero but there was a "shipping fee". Needless to say those orders never came, no order confirmation, no email, no record on the app either. Nice scheme.

This app offers an “instant payment” option for an extra fee. I paid the extra amount, but the money was deducted and the payment didn’t go through. When I complained, they blamed it on a “bank issue.” I’ve tried other apps and the payment worked perfectly fine, so there was no bank issue. Extremely frustrating! Don’t use this app.

What’s new

Socrates said the unexamined life is not worth living.
our developers asked: why has wealth been getting away with it?

so they built a way to examine it.
CRED money now shows your assets in full: accounts, mutual funds, NPS, and more.

but wealth is not just examined, it is preserved.
buy and sell 24K gold, manage your fixed deposits—high-yield, transparent, on your terms.

existential dread may never leave you.
but your worth is no longer a mystery.
for now, only a select few see it.