CRED: UPI, Credit Cards, Bills

4.7
2.33M reviews
50M+
Downloads
Content rating
Everyone
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image

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?

✔️ 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.
✔️ Pay anyone: Send money to anyone through CRED, even if the recipient uses BHIM UPI, PhonePe, GPay or any other UPI app other than CRED.
✔️ Transfer money to bank: 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 else can you do with a CRED membership?

→ Manage credit cards: Add and manage multiple credit cards on CRED for better control over your personal finance.
→ 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, water bill, municipal tax, piped gas bill payment online, etc.
Other Bills like Fastag recharge, insurance premium, loan repayment, etc. can also be made through the CRED money sending app.

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

More on credit scores:

▪️ Your credit score is an indicator of your financial behavior.
▪️ There are 4 credit bureaus in India - Experian, Equifax, CRIF & CIBIL.
▪️ A score of 700+ on CRIF & Experian is considered good.
▪️ CRED showcases your CRIF, Experian & Equifax credit scores, helping you track them individually.
▪️ Make bill payments on time with CRED to improve your credit score.

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, Newtap Finance Pvt. Ltd.

Contact us

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

Do a UPI money transfer, clear all your bills, improve your credit score & earn rewards with CRED. Download Now.
Updated on
Oct 4, 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

4.7
2.33M reviews
Vicky Khinchi
September 29, 2024
Cred is no longer useful to me. It has been a completely negative experience recently. I had made two payments on September 2nd, but later, the payment failed, and Cred did not notify me. Then, the next day, I received a text from my bank stating that the bill was now overdue. After that, I tried to contact support for the late fee guarantee, but the automatic chatbot didn't find any late fees on my statement.
50 people found this review helpful
Dreamplug Technologies Private Limited
September 29, 2024
Hi Vicky, we make sure our valued members are not impacted in any way when it comes to unexpected or unseen delays with transactions. We have noted your concern and our team will be connecting with you shortly to look into the issue.
KVLV RAMANA MURTHY