Make bill payments, track credit score, earn exclusive rewards CRED is a members-only app that rewards credit card users for making payments on time. The app offers a variety of features, including:
CRED is a members-only app built to reward creditworthy individuals.
- Credit score: Check and refresh your credit score with a soft inquiry through CIBIL.
- Credit card management: Add, manage, and pay bills for multiple credit cards.
- Spending analysis: Get a spending analysis chart to track your credit card usage.
- Hidden charges: Automatically detect hidden charges and get alerts on duplicate transactions.
- Bill payments: Pay bills for utilities, credit cards, DTH, mobile recharge, rent, and more.
- Online and offline payments: Pay online with UPI or credit card, or scan QR codes to pay merchants.
- Send money: Send money to anyone using CRED UPI, or transfer money to a bank.
Trusted by over 14 million + creditworthy members, CRED provides complete control and oversight over all of your payment experiences – be it credit cards or UPI. Use CRED to pay credit card bills, or make payments and get rewarded for the good financial decisions you make.
Gain complete control over your credit card utilization with CRED:
Manage multiple credit cards without installing multiple credit card management apps.
Enable tap-to-pay when making in-store purchases with your credit card.
Track your credit score and check your bank balance in real time.
View hidden charges on credit cards as you make in-store or online payments.
Get alerted on duplicate transactions.
Gain insights on credit card usage with smart statements.
Enable UPI on your RuPay credit card.
Earn cashback and other rewards on payments done with CRED.
→ Improve your credit score:
Your credit score is an indicator of your financial behavior.
There are 4 credit bureaus in India – Experian, Equifax, CRIF & CIBIL.
A score of 700+ on CRIF & Experian is considered to be good.
CRED showcases your CRIF, Experian & Equifax credit scores, helping you track them individually.
Make bill payments on time with CRED to improve your credit score.
Exclusive perks you get for just being a CRED member
→ CRED store: a curated shopping experience for members, featuring 800+ brands.
→ CRED escapes: curated stays & holiday packages at special prices.
→ CRED garage: manage vehicles’ insurance, FASTag, PUCC, and more.
→ CRED cash: get pre-approved personal loans.
CRED UPI: because the creditworthy deserve more.
Make online payments: pay via UPI or credit card when you checkout from brands like Swiggy, Myntra & more via CRED pay.
Pay offline: 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.
Keep your payments secure: keep sensitive details secure by generating your own alias UPI ID on CRED.
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.
Ot - her Bills: 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+.
- process is simple:
- Download CRED.
Fi - ll your name, mobile number & email ID.
Ge - t a free credit score report.
If - your credit score is 750+, you will get a prompt to verify your credit card details.
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.
