CRED: Credit Card Bills & More

1.18M reviews
Content rating
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About this app

CRED is the only credit card app you will ever need for all your bill payments. You can use our app to pay utility bills, credit card bills, monthly rent, and more. Not only this, check your credit score for free and improve it as well. Get 100% cashback on using the app. Use CRED coins to win exclusive rewards, amazing prizes, and offers.

Features Of The CRED Bill Payment App
✔ Pay Bills Easily: Pay all your bills, including your electricity bill, utility bill, credit card bill, and rent, online through the app within minutes.
✔ Check Credit Score: You can now check your credit score on our credit card app with just a few clicks and keep track of it. Use our app to improve your credit score and easily access your credit profile.
✔ Manage Credit Cards: Check your credit information on our app and manage all your credit cards in one place without downloading multiple credit card apps on your phone.
✔ View Hidden Charges: Automatically detect hidden charges & get alerted on duplicate transactions on the app.
✔ Get Spending Analysis: Keep track of where and how you use your credit card with an easy-to-read spending analysis chart for your use.
✔ Shop Online: CRED Members can save money and get offers, discounts, or cashback on shopping online with Myntra, Swiggy, and other sites.
✔ Earn Rewards: Get credit card offers and win rewards using our app with CRED Coins.

Why Choose The CRED Online Payment App?
❔ Check your bank balance & CIBIL score (Credit Score) and track your credit score report
❔ Refer the CRED app to your friends and earn cashback
❔ Checkout from your favourite brands with CRED pay and get discounts on using CRED coins
❔ Track your spending with interactive charts that allow easy visualization of where your money goes
❔ Easily pay and manage all utility bill repayments, credit card bills, house rent, education fees, electricity bills, mobile recharge, loan EMIs
❔ Get offers on select hotels on your travel bookings
❔ Get exciting discounts on brands like Myntra, Swiggy, Cult Live, etc.

Bills you can pay using the CRED bill payment app
Credit Card Bills: Pay bills for all your credit cards from one place, instantly.
Rent: Pay your house rent, maintenance, office rental, security deposit, brokerage, etc.
Education: College fees, school fees, tuition fees, etc.
Telecom Bills: Mobile recharge, mobile postpaid, DTH, broadband, landline, cable TV, etc.
Utility Billss: Electricity bills, LPG cylinder, piped gas, water bill, municipal tax, etc
Other Billss: Fastag recharge, insurance premium, loan repayment, etc.

What Is A Credit Score?
→ The CIBIL score is calculated based on the data that is provided by the lending institutions (typically banks, NBFCs) to the bureaus (typically CRIF, Experian)
→ Each credit score has a different scale
→ A higher credit score is an indicator of good financial behavior

How To Check And Monitor Credit Score Using CRED?
→ Signup on CRED with your full name & mobile number, get your first credit score result
→ Get CRED coins with each credit card bill payment
→ Use CRED coins to refresh your credit score every month

Credit Scores Shown On CRED
There are four credit bureaus in India - Experian, Equifax, CRIF & CIBIL. CRED can showcase your CRIF, Experian & Equifax credit scores and helps track these credit scores individually.

Credit Cards Supported on CRED
SBI, HDFC, ICICI, 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 Ltd, Credit Saison - Kisetsu Saison Finance (India) Private Ltd, Liquiloans - NDX P2P Private Ltd, Vivriti Capital Pvt Ltd.

Contact Us
Tell us how we can improve your experience on and we will make sure it happens.
Pay your bills, improve your credit score & earn rewards with CRED.
Updated on
Sep 28, 2022

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
1.18M reviews
Chirag Vartak
September 3, 2022
There used to be decent rewards in the past, but not anymore. I have 2 lakh Cred coins that I can't spend on anything useful. The discounts are fabricated - you can use Cred coins to get a "discount" that reduces a price from 999 to 799; but the product will already be available on Amazon for 799. Lots of fancy sounding haircare/skincare/electronic brands that you have never heard of. Also, the UI is changed too frequently, and they REALLY push you to give access to your email - don't do it!
13 people found this review helpful
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Dreamplug Technologies Private Limited
September 4, 2022
Hi Chirag, we’re unhappy to see that you’re not enjoying the rewards 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.
Sandeep Ramareddy
September 29, 2022
A very convenient app to track and make payments to multiple credit cards and that's the only reason I use this app. The coins and reward system is garbage and absolutely useless, I even stopped looking at it. App is able to let us know the statement balance but if any additional payments made is not reflected in the outstanding amount in CRED, I wish they could fix this so that we get accurate outstanding amount.
62 people found this review helpful
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Dreamplug Technologies Private Limited
September 29, 2022
Hi Sandeep, thank you for sharing your feedback and observations. We would like to discuss your inputs in detail and answer your queries. Please expect our team to connect with you shortly on ticket #6049978.
sriram pavan
September 29, 2022
Good for Payments but this app is no reality. UI is amazing, no app can beat this. Lots of offers with high pricing. It's fun to spin the wheel knowing you never will get 777. Publish the winners daily or weekly to prove that it's real There is No search option in the store. You have to look at the products they display. It's a Gimmick. Can't pay my electricity or other bills. High prices on products and packages even after 80-90% discount. And surprisingly they are cheaper online.
16 people found this review helpful
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What's new

you are dumber than you think.
that's the one line summary of the Dunning-Kruger effect.
once aware of this bias, it's very likely that you will always doubt your instincts till you see actual evidence.
which is why we want to make it clear: with this release, we've removed bugs and made significant changes that perfect your CRED experience.
so if you feel like your experience has improved, give yourself some credit.
because in this case, your instincts aren't wrong.