CRED: UPI, Credit Cards, Bills

Dreamplug Technologies Private Limited

About this app

CRED is a members-only app for all credit card & UPI 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?

✔️ Pay credit card bills: Check credit information & manage credit cards without downloading multiple credit card apps.
✔️ ️ Online UPI & Card payments: Pay via UPI or credit card when you checkout from brands like Swiggy & Myntra via CRED pay.
✔️ Offline payments: Scan UPI QR codes & pay merchants; activate Tap to Pay for contactless payments.
✔️ UPI Auto Pay: Enable UPI autopay for recurring bills.
✔️ 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 UPI.
✔️ ️ 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 automatic bill payment reminders on UPI app 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 for better financial management
→ 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

Seize all aspects of personal finance 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 with UPI or credit card
Education: College fees, school fees, tuition fees, etc with credit card and UPI
Telecom Bills: Recharge your Airtel, Vodafone, Vi, Jio, Tata Sky, DishTV, prepaid or postpaid connections, broadband, landline, cable TV, etc with UPI
Utility Bills: Electricity bills, LPG cylinder, piped gas, water bill, municipal tax, etc, and set UPI Autopay to never miss a due date
Other Bills like Fastag recharge, insurance premium, loan repayment, UPI payments, etc. can also be made through the CRED money sending app.

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 the foresight & improve your CIBIL
▪️ 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.

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].

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

Ratings and reviews

Everything was fine until they decided to make app more fancy and gimmicky rather than being useful. Recent update just made it like a game rather than something useful. Cannot even rely on account balance as it always lingers the old one untill you manually check balances again? So what's the point in showing false balance at a glance. Waste of Time and Money this app. Switching permanently to something different.

They have now started charging hefty fees on billl payments by credit cards. as it is the cashback has been dismal for almost 2 years and now this! time to delete the app for good. all the things that made this app great are being silently taken away I don't see any advantage of using this app anymore without these value adds, with such atrocious processing charges!

The app offers a sleek UI, timely bill reminders, and spending insights, making credit card management easier. While it has some cashback and rewards, they’ve become less appealing over time. The app also pushes financial products aggressively. Great for convenience, but not a game-changer for sure.