CRED: Credit Card Bill Payment 4+

Pay Utility Bills, Get Rewards


    • Free



Pay all your bills instantly. Earn rewards and assured cashback. And that's just one of the many reasons millions of members prefer paying on CRED.

The right app to pay your credit card bills online is here.

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

→ Introducing CRED pay: Scan any QR code and pay instantly via UPI to earn assured rewards every time

→ Pay bills instantly: Pay all your bills, including ones for electricity, mobile, credit card rent and more for assured rewards and cashback

→ Check & track your credit score free with CRED. Download the app now to check your credit & CIBIL 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

→ 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 (cibil report) & 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. Get 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 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. Defaulting on your credit card payments could negatively hurt your credit score, so make sure you make bill payments on time.

Will using CRED help improve my credit score?

→ CRED will help you make bill payments on time with scheduled reminders. Timely bill payments have a positive effect on improving your credit score. By acting on these reminders and paying your bills, you'll be improving your credit score over time just like millions of other CRED members.

What’s New

Version 3.2.4

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.

Ratings and Reviews

4.8 out of 5
302K Ratings

302K Ratings

mukesh bisht 25 ,

Unreliable and age old software,require manual input from customer in every step

I would like to give 2 star rating based on following points Pro- this app provides points for every transactions,( which are pseudo,and can't be used anywhere) You can keep a track of your bills.😂😂 Cons -1. you need to do everything manually. 2. Points provided are good for nothing 3. Half of the app at each level,ask you to refer to get some benefits, but the small clause is -it is government office,where you need to go and run behind the customer care to claim your reward. Like after referral,follow your friend,when he does his first transaction,then message customer care that you made your friend make transaction,then apply for your prize, send 20 mails, and they will ask you every minute detail,which you need to provide. Start a fresh application every time and the best part it has to be done on very next day,or else they will say "sorry,sir /Madam,you are late "😂😂😂😂 4. They require access to ask your mail and messages,highly insecure

Developer Response ,

Hi Mukesh, we regret to note your feedback as there seems to be some misconception. We are always here to assist you on priority even if there is a slightest turn of events which does not meet your expectations. You can always reach out to us at

mack_tm ,

Rigged System

Instead of directly giving a cashback of 4rs after making card payments, they make play with rigged machine and keep expecting huge cashback. These companies are going nowhere but to a hill with more steeper end.

Why are you making such heavy good looking lies to customers? Dont they get it? Why are you running spinning games that is throwing fixed cashback. Even other after card payment showed upto section of winning thousand ruppees after making cc payment, when reported they changed the look to spinner which is fully rigged on fixed cashbacks. Stop playing games with customers emotions. Why to add such heavy lies, over flashy rewards & heavy ui that is busy is showing off style then doing the quick job. You guys are burning cash of investors & playing games with users. Focus on basic payment how it can must be done in seconds & bring other products with ease not with heavy ui only. using the cred since years, Even cred refer links have blocked by facebook for spamming. Where cred app is not serious on user to new user marketing only. They are burning hefty cash. Dont do it please. Bring a stable strong faster & quick ui & prompt loan. Cred cash is avail. Since decades now but unable to withraw funds. Buggy ties. Whats the use of such ui if basic sanction is not working. Since years now. Stupid ads on tv. You are targetting senible audience with first class app looks hiding rigged systems 😏👍

Developer Response ,

Hi Mack, we’re unhappy to see that you’re not enjoying the rewards on the app and would love to connect with you to understand what can be done to improve your experience. It’ll be great if you could email us at using your registered email address/phone number.

Raghav1622 ,

Issue ticket closed without resolving

I don’t think the support time has time to resolve the issue, may be that’s the reason they don’t give it back on-time or no proper response. I had payment related issue during the initial times of Cred, but dint get any proper response & so payment took time to get credited to my card. April-21, I had issue with the reward points also, I made a total payment of 3500 much before the due date, but the point raised with just 600 when compared my last month’s. (I have a screenshot for the same) And when raised my first ticket for help, they said that was correct & I requested them check again, but in vein. Being, the issue unresolved I thought of raising another ticket, & to my astonishment I found my previous ticket closed without any response. So I raised another ticket, asking for the proper explanation & response to the primary issue. Even to this day I am yet to get a reply & this time it makes me feel weird on finding that the second ticket was also closed, without explanation for the closing of first one & proper response for the primary issue. I use not to check my card statement believing this CRED app, but now I doubt about the amount that’s been debited from my account towards card payment. Whether the same amount has been credit to the card or not...? I need to go through all the statements since the time I started making payment over CRED.

Developer Response ,

Hello Raghav1622, thank you for bringing this to our attention. We will take this up on priority. We request you to please reach out to us at

App Privacy

The developer, Dreamplug, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Contacts
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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