CRED: UPI, Credit Cards, Bills

2.07M reviews
Content rating
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About this app

CRED is a members-only app for all payment experiences.
Trusted by over 25 million+ creditworthy members, CRED rewards you for the payments & good financial decisions you make.

What payments can you make on CRED?

✔️ Pay credit card bills: Check credit information & manage credit cards without downloading multiple credit card apps.
✔️ 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 your credit card.
✔️ Pay bills: Pay utility bills, credit card bills, DTH bills, mobile recharge, house/office rent, and more. Get payment reminders 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
→ 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 & 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 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 credit card details
→ Enjoy the privileges of being a CRED member

What is Credit Score?
→ Check your credit score on CRED, no matter what credit card you have
→ 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:
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, Parfait Finance & Investments Pvt. Ltd.

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

Pay anyone via UPI, clear all your bills, improve your credit score & earn rewards with CRED. Download Now.
Updated on
Apr 5, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, Financial info and 2 others
This app may collect these data types
Location, Personal info and 6 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

2.06M reviews
Vishal Dixit
April 7, 2024
The app provides a lot of offers and vouchers which are nothing but scam to make you use the app and then regret later. Even the payments of credit card is not rewarding anymore, just useless vouchers. Looking for replacement. I'm done with this app. Edit: they connected me and try to justify. Misleading tactics by them. Either they are too dumb or very smart. Don't expect a resolution from them if you face any issue.
155 people found this review helpful
Dreamplug Technologies Private Limited
April 5, 2024
Hi Vishal, we are committed in delivering high quality experience both in terms of payments and rewards we will be looking into feedback to work on your desired expectations. We have noted your feedback and our team will be connecting with you at the earliest to assist you.
Diwakar Sharma
March 30, 2024
I've been using Cred for a good 3-4 years now. The best part of the app was cashback we got for the credit card card payments. Now they've removed all of this and the reward coins are more or less useless as the products shown in the app are overpriced as compared to other e-commere apps. Also, their customer support is horrible if you end up buying anything and you need help. Gonna delete the app now as the primary purpose of this app is no longer served. Thanks for the disappointment.👎🏻
300 people found this review helpful
Dreamplug Technologies Private Limited
March 30, 2024
Hi Diwakar, we’re unhappy to see that you’re not enjoying the rewards and use of CRED coins on the app and would love to connect with you to understand what can be done to improve your experience. It’ll be great if you could email us at using your registered email address/phone number.
Avinash Singh
April 13, 2024
Updating Review: The app has come a long way in credit card rewards. The reward quality was initially good but now is getting focused primarily mobile betting apps. Except for the rewards perspective the app really provides great integration of vehicle information like challans and fasttag info in one place. The app is getting good at some service and deteriorating in something else. Still a lot better platform than lot many in the market. Good work team.
6 people found this review helpful
Dreamplug Technologies Private Limited
April 21, 2021
Hi Avinash, we understand that rewards are an important part of the CRED experience, and wouldn’t want you to feel that they’re not worth it. Request you to share your suggestions/concerns with us at, using your registered email address. We’ll get in touch with you right away!