CRED: Credit Cards, Bills, UPI

Description

CRED is a members-only app for all payment experiences.
Trusted by over 1.4Cr+ creditworthy members, CRED rewards you for the good financial decisions you make.

What payments can you make on CRED?
→ Credit card bills: Check & manage credit cards without multiple credit card apps.
→ Online payments: Pay via UPI or credit card on Swiggy, Myntra & more.
→ Offline payments: Scan QR codes or Tap to Pay for contactless payments.
→ Pay anyone: Send money to anyone through CRED, even if they use BHIM UPI, PhonePe, GPay or any other UPI app.
→ Transfer money to bank accounts: Send rent or education fees from your credit card.
→ Autopay: Set up autopay for recurring bills.
→ Pay bills: Pay utility bills, credit card bills, DTH bills, mobile recharge, rent, and more. Get automatic bill reminders so you never miss a due.

What comes with your CRED membership:
Manage multiple credit cards easily
Track your credit score & bank balance
Spot hidden charges & duplicate spends
Get smart statements for better insights
Unlock exclusive rewards & privileges

Bills you can pay using credit card or UPI:
Rent: Pay your house rent, maintenance, office rent, 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, cable TV, etc.
Utility Bills: Electricity bill, LPG cylinder, water, municipal tax, piped gas bill payment online, etc.
FASTag recharge, insurance premium, loan repayment, etc.

How to be a CRED member?

→ To become a CRED member, you need a credit score of 750+
→ Download CRED, enter your details, and get a free credit score report
→ If your credit score is 750+, verify your credit card details and become a member

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
▪️ Make predictions with foresight & improve your CIBIL score
▪️ 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, HSBC Bank, all VISA, Mastercard, RuPay, Diners Club, AMEX, Discover credit cards.

• DTPL acts as a Lending Service Provider (LSP)
• CRED app acts as a Digital Lending App (DLA)

Personal loans eligibility criteria
* Age: 21- 60 years
* Annual household income: ₹3,00,000
* Should be a resident of India
* Loan Amount: ₹100 to ₹20,00,000
* Repayment Tenure: 1 - 84 Months

Loan against mutual fund eligibility criteria:
* Age: 18-65 years, Mutual Fund Investment: Min. ₹2000 Portfolio, *Subject to Lender Policy
Should be a resident of India
* Loan Amount: ₹1000 to ₹50,00,000
* Repayment Tenure: 1 Month to 60 Months
Annual Percentage Rate (APR): 9.5% to 45%

Example:
If you borrow ₹5,00,000 for 3 years at 20% p.a.
EMI: ₹18,582 | Processing Fee: ₹17,700
Total Payable: ₹6,68,945 | Total Cost: ₹1,86,645
Effective APR: 21.92%

CRED flash: pay at partner merchants now and repay later, as per lender-approved limits, fees, & KFS terms.

Lending partners on CRED:
Aditya Birla Capital Ltd, Axis Bank Ltd, DBS Bank India Ltd, DMI Finance Ltd, DSP Finance Pvt. Ltd, IDFC First Bank Ltd, Kisetsu Saison Finance (India) Pvt. Ltd, KrazyBee Services Ltd, L&T Finance Ltd, Newtap Finance Pvt. Ltd, Poonawalla Fincorp Ltd, Respo Financial Capital Pvt. Ltd, Vivriti Capital Pvt. Ltd, Whizdm Finance Private Ltd, YES BANK Ltd.

Have things on your mind? Contact us at [email protected].

Grievance Officer: Atul Kumar Patro
[email protected]

Send money via UPI, pay your bills, improve your credit score & earn rewards with CRED. Download now.

Reviews English reviews from the US store.

4.7 average from 2,992,017 ratings.

1. ★☆☆☆☆ Er Ashish · 5 Oct 2026 · v6.1.4.157
   Cred Offerings fake loan offers once you go for it after planning everything, loan will disappear 🫥 Magic
2. ★★★★★ AJIT KUMAR BEHERA · 5 Oct 2026 · v6.1.4.157
   good
3. ★★☆☆☆ Dhiraj Chand · 5 Oct 2026 · v6.1.4.157
   This app is showing an option to play.. but I have many times rupess wala symbol 3 in a row.. but still I did not won any amount.. fake things by Credit... seriously disgusting.. either you should stop those things so that we don't become fool anymore
   Developer reply · 3 Oct 2026

   Hi Dhiraj, we regret to hear that your experience didn’t meet expectations. Please be assured that all our reward mechanisms are built with integrity, and we remain committed to delivering a rewarding experience for all our members. Your concern has been noted and will be reviewed. Our team will connect with you shortly to assist further.
4. ★★★★★ Vishal Singh · 5 Oct 2026 · v6.1.4.157
   improve rewards benifit, superb services
5. ★☆☆☆☆ Sunil Kumar Yadav · 5 Oct 2026 · v6.1.4.157
   Update..... Not getting worse, it's worse. Uninstalling right away. Just an update, this is becoming much worse after speaking with the team. Moving out to Cheq..At least here onwards will use something that's fruitful. Cred is in no sense rewarding anymore at least in my POV and it has joined the club of other gateway apps. Nothing special or rewarding left.
   Developer reply · 12 Jun 2026

   Hi Sunil, we regret that your rewarding experience did not meet your expectations. Your concern has been noted and is currently under review. Our team will connect with you shortly to assist further.
6. ★☆☆☆☆ Nitin Garg · 5 Oct 2026 · v6.1.3.151
   PATHETIC CUSTOMER SUPPORT experience as the Bot does not respond properly and keeps giving a fixed response - Currently we are facing surge in volume - Please try again. 1 hour is minimum waiting time for a call back. There is no email or call support. What is this ? Issue : My 5000 coins were deducted for Bigbasket Storage coupon ( 200 Off) on Cred Coin Rush Page Offer / voucher: bigbasket voucher which is not issued and failed because of error - try again Date of incident: Today
   Developer reply · 5 Oct 2026

   Hi Nitin, it’s unfortunate to hear about your experience. Our operations are guided by integrity, and we are dedicated to shielding our valued members from any unforeseen situations. Your concern has been duly acknowledged, and our team will reach out to you promptly to resolve your concern swiftly.
7. ★★★★★ Sk Karimulla · 5 Oct 2026 · v6.1.4.157
   ok
8. ★★★★★ ramakrishna tarra · 5 Oct 2026 · v6.1.4.157
   good
9. ★☆☆☆☆ अंकित मीणा · 5 Oct 2026 · v6.1.4.157
   ghatiya app ! wallet not working ! 2 days ago I did a rent payment still not credited into account ! I'm not gonna use this app anymore ! customer support is s*hit
10. ★★★★★ Pritam Bhowmik · 5 Oct 2026 · v6.1.4.157
    good

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