CRED: Credit Card Bills & More

1.3M 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. Use CRED coins to win rewards, cashbacks, and offers.

Features Of The CRED Bill Payment App
✔ Scan & Pay: Scan any QR code and pay instantly via UPI to earn assured rewards every time.
✔ 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.
✔ Get Spending Analysis: Keep track of where and how you use your credit card with an easy-to-read spending analysis chart.
✔ 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
❔ 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
Nov 30, 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
1.3M reviews
Regina Ganguli
September 12, 2022
Not useful anymore. This app started out as something very creative & useful. The ux & designs were brilliant. However, over time the ux has become so complicated, the offers are becoming increasingly irrelevant. The only useful thing about the cred coins are the free credit score checks. Several banks are offering credit card payment options on their apps, which seems to be of greater convenience, rather than having another extra bulky application consuming phones memory. Might uninstall soon.
1,070 people found this review helpful
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Dreamplug Technologies Private Limited
September 12, 2022
Hi Regina, thank you for sharing your thoughts on CRED app and its features. We would like to hear more from you to understand how we can make the experience more interesting for you. Our team will connect with you on ticket #5838289 to discuss your inputs in detail.
Manish Dash
November 23, 2022
Good if used for Credit Card payments ONLY. I've been using CRED since a very long time and was one of its earlier customers. The shopping experience is quite horrendous - items purchased sometimes never get delivered, they rarely arrive on time, there's no replacement support, you can't raise concerns related to your order before a certain time period and finally - you can't cancel an order placed. I believe CRED should instead focus on its payments solution [increase security/accessibility]
117 people found this review helpful
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Dreamplug Technologies Private Limited
November 23, 2022
Hi Manish, we always operate with integrity and make sure our valued members are not impacted in any way towards any unseen circumstances. We have noted your feedback and our team will be connecting with you shortly.
Aneesh krishnan
November 27, 2022
Very bad experience with CRED If your payment fails for some reason, then you are very less likely to get quality support from CRED. There is no way to contact them directly. Only chat support is available. In my case, they have asked for my bank and credit card statement in PDF format without a password. Still, they were unable to resolve the problem. Its like they don't have any record over our transactions . Do not lose the hard earned money for some cheap offers and reward points.
113 people found this review helpful
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Dreamplug Technologies Private Limited
November 30, 2022
Hi Aneesh, we understand that one of your recent payments made on CRED was unsuccessful and we shall ensure this is looked into on priority. Requesting you to share the concerned order ID to and we'll get in touch with you soon to investigate the issue.

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.