The right way to pay your credit card bills is here.
On CRED, the idea is simple: pay credit card bills, get rewarded and improve your credit score over time.
Use CRED Coins earned from paying your bills on CRED to win big prizes and unlock access to products at member-exclusive prices, it's that simple.
→ Check & track your credit score with CRED. Download the latest version of CRED to check your credit 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.
→ Pay your rent with a credit card : use CRED to make rent payments to your landlord or PG.
→ 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 & 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. Also, receive personalised 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 all 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 — a percentage of the money you owe — on top of what you borrowed. Defaulting on your credit card payments could negatively hurt your credit score, so make sure you make the credit card bill payments on time.
Will using CRED help improve my credit score?
CRED will help you make bill payments on time by reminding you and getting your personalised insights on your financial habits to help you improve your credit score over time. If you apply the actionable insights, yes, you'll be able to improve your credit score like millions of other members.
In Japanese aesthetics, this is a term used for the worldview wherein one finds beauty in the state of imperfection.
Unfortunately, the Japanese don’t have a term for its opposite, because that’s the worldview our developers follow.
This update contains all fixes and improvements essential to perfect your CRED experience.
If you’re a follower of Wabi-Sabi, we recommend you skip this one.
Ratings and Reviews
A must for credit card users
I have been using credit card since 2002. I have been a defaulter in many months in past and paid huge fines and interests. I had to take personal loans to pay credit card bills. What was the reason? I was not able to keep track of my credit card bills and was unaware of how much I was paying on bank charges. I find CRED as the most essential app for anybody who has credit card. It not only reminds, shows you the charges and expenses by category but also rewards you for paying the bills through the app. Most interestingly you can just pay in few clicks through the app. Good job guys. Very intuitive design and you have customer in mind. The way this app is designed is very artistic and unconventional. Keep it up.
I’m a CRED user since the beginning and I see many things changed with time. It was quite rewarding during the initial days and I have redeemed good no of products by just using my CRED points or very minimal cash which were quite a loot. But these days I am not able to find any reward that my CRED points will get me and the rewards which are listed needs a payment to be done and the focus has been shifted completely on CRED coins which are not easier to get. As per my view, CRED has become an usual ecom website which sells things and I couldn’t find any reward that I can redeem by just using my CRED points. Now I feel that CRED is no more rewarding for me and I will stop using this app in the near future if this rewardless culture is continuing.
The one best thing is the user experience of this app has improved exponentially and the expense tracking tool is a killer. But rewards were my main motive when I installed this app and that is not here now.
I hope the CRED team will consider my concern and I expect them to do something on this.
Developer Response ,
Hi Bala07, we give utmost priority to our user's suggestions and feedback. Rest assured that we have taken your feedback on board, will certainly review this.
Thank you for your valuable time & effort to reach out to us. Hoping for a continued support.
Doesn’t let you delete your account!
For an app handling so much of your sensitive data, they fail to provide any trust in you considering how much they’ll try to distract you and prevent you from deleting account from their databases. I didn’t even make a payment, and wanted to delete my account and had to go through a frustrating 30 minutes of a unnecessarily roundabout chatbot, and a customer support executive who replies once in 5 minutes to get to know that the issue has been “escalated” and will be looked at in the next 5-7 working days. What happens if that time period passes and nothing has progressed? That remains to be seen.
It is unacceptable that there’s no direct and transparent account deletion feature and no actual customer support on this application. They stick a FAQ and hope that you never actually try to escalate issues with them.
Please don’t waste your time with this app as their business model will be to sell your financial data to advertisers. If not that, they will use your money which you’ve given them for their private investments in the 2 day period before your credit card account actually receives the money.
Developer Response ,
Hi Shoro, we want to ensure this is handled correctly and as quickly as possible. Emailing us will help us assist you. Please send us the details at firstname.lastname@example.org
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The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- User Content
- Usage Data
Privacy practices may vary based on, for example, the features you use or your age. Learn More
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