CRED: credit card bills, rewards, credit score

The right way to pay your credit card bills is here.

On CRED, the idea is simple: pay credit card bills, get rewarded and improve your credit score over time.

Use CRED Coins earned from paying your bills on CRED to win big prizes and unlock access to products at member-exclusive prices, it's that simple.

Check & track your credit score with CRED. Download the latest version of CRED to check your credit score now
Payment reminders : get credit card bill payment reminders that ensure you never miss your due date and thus get on track to improve your credit score.
Hidden charges : automatically detect hidden charges and get alerted on duplicate transactions in your credit card account.
Win rewards : win exclusive rewards by using the CRED Coins earned from pay your bills
Manage multiple credit cards : make seamless payments from CRED app for all your credit cards.
Pay your rent with a credit card : use CRED to make rent payments to your landlord or PG.
Spend analysis: complete track of where you spent from your credit card with easy to read spend analysis charts.


How to be a CRED member?
→ CRED is built for rewarding creditworthy individuals in India. 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 your credit card details.
→ That's all, you can start paying your credit card bills and earn CRED coins with every payment.


What is a credit score & what are the basics?
→ The credit score is calculated based on the data that is provided by the lending institutions (typically banks, NBFCs) to the bureaus (typically CRIF, Experian).
→ A credit score indicates your creditworthiness to potential lenders such as banks & mortgage lenders. It indicates how responsible you are likely to be in paying off your loans.
→ Each credit score has a different scale: For example, CRIF has a range of 300-900 while Experian has a range of 300-850.
→ A score of 700+ on CRIF & Experian is considered to be good.
→ A higher credit score is an indicator of good financial behaviour.

How to monitor credit score using CRED?
→ Download the CRED app & signup using your full name and mobile number to get your first credit score result on CRED.
→ Keep making credit card bill payments on CRED to get CRED coins.
→ Use the CRED coins to refresh your credit score every month. Also, receive personalised insights that help you improve your credit score with time.

What all credit scores are shown on CRED?
There are 4 credit bureaus in India - Experian, Equifax, CRIF and CIBIL. CRED can showcase your CRIF, Experian and Equifax credit scores and helps track these credit scores individually.

What all credit cards are supported on CRED?
SBI, HDFC, Axis, Kotak, Standard chartered, American express, Yes bank, HSBC, IndusInd, RBL, Bank of Baroda, Kotak Mahindra, Bank of India plus all VISA, MasterCard, American Express and Discover credit cards.

Will using a credit card hurt my credit score?
As long as you make credit card bill payments within the "grace period" of 25-30 days, you don't have to pay extra. If you go longer, though, you'll have to pay interest — a percentage of the money you owe — on top of what you borrowed. Defaulting on your credit card payments could negatively hurt your credit score, so make sure you make the credit card bill payments on time.

Will using CRED help improve my credit score?
→ CRED will help you make bill payments on time by reminding you and getting your personalised insights on your financial habits to help you improve your credit score over time. If you apply the actionable insights, yes, you'll be able to improve your credit score like millions of other members.
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What's New

One of our product managers took a philosophy course and got obsessed with the concept of free will. The question that bothered them the most: “What does complete control feel like?“.
This update contains the answer.
Introducing “Credit Score” section.
Get in-depth analysis of your score along with personalised insights that guide you towards better financial health and inevitably, a better decision-making framework.
Now, it’s time you exercise free will for the right cause: get the update.
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Additional Information

Updated
November 18, 2020
Size
38M
Installs
5,000,000+
Current Version
2.1.10.5
Requires Android
5.0 and up
Content Rating
Everyone
Permissions
Offered By
CRED - most rewarding credit card bill payment app
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