CRED: UPI, Credit Cards, Bills

4.5
2.03M reviews
10M+
Downloads
Content rating
Everyone
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About this app

CRED is a members-only app for all payment experiences.
Trusted by over 25 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.
✔️ Send money to anyone: Use CRED UPI to pay phone numbers or UPI IDs.
✔️ 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 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
→ 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, piped gas, water bill, municipal tax, etc.
Other Bills: Fastag recharge, insurance premium, loan repayment, etc.

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
→ Enjoy the privileges of being a CRED member

What is Credit Score?
→ Check your credit score on CRED, no matter what credit card you have
→ Each credit score has a different scale
→ A score of 700+ on CRIF & Experian is considered to be good
→ A higher credit score is an indicator of good financial behavior

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

Can CRED help in improving credit score?
With CRED make bill payments on time which will help improve your credit score over time.

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, Parfait Finance & Investments Pvt. Ltd.

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

Pay anyone via UPI, clear all your bills, improve your credit score & earn rewards with CRED. Download Now.
Updated on
Mar 21, 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

4.5
2.02M reviews
Humaira
March 16, 2024
Unreliable for discounts/offers on card. Most of the time they don't get applied. Good only for bill payment reminders. Also it doesn't give CIBIL score, it shows only Experian score. Edit: Experience continues to be terrible. I could not locate the pending UPI ID transaction within app at all. Searching for anything inside this app is a huge hassle. Too many animations, we don't have that kind of time to wait for the animation to finish, over engineered UI.
228 people found this review helpful
Dreamplug Technologies Private Limited
March 19, 2023
Hi Humaira, we regret to have not been able to meet your expectations. Kindly email us your registered contact details at pearl@cred.club so we can reach out and collect your feedback and provide you with an even better experience.
Zubin Mujawar
March 24, 2024
It was my favorite UPI app over other market competition. Although now there is no option left to use the earned cashback. Neither Swiggy, Zomato or other platforms accept CRED payment cashback now. Recent UI changes has made the app difficult to navigate through options. Pay to contacts should have been in primary list, but one needs to keep searching a basic option like it. Coupons are useless as one will never prefer to buy anything using them, also never work most of times.
29 people found this review helpful
Dreamplug Technologies Private Limited
March 23, 2024
Hi Zubin, it’s always important for us to keep up to our members expectations. We have noted your concern and our team will be connecting with you at the earliest to assist you.
Arpita Banerjee (Appy)
March 24, 2024
Cred is a very reliable app for credit card payments. It is a platform where I track all my credit card payments, monthly bills and the best part is that, it helps me keep in check all the due dates and also my monthly spends. The only down side is the discounts and offers section on this app. I wish there were more.
49 people found this review helpful