CRED is a members-only app with exclusive rewards for every credit card bill payment. CRED’s credit card spend tracking and management features provide simple, yet powerful tools for its members to manage their credit card more efficiently.

In addition to curating exclusive rewards from top brands for it’s members, CRED members get access to CRED PROTECT - an AI backed system that keeps track of every single nuance of a credit card payment journey - right from due date reminders, spend patterns and other card usage statistics.

How to apply for CRED membership?

CRED is only for a select few - You can apply for a membership by signing up with your full name and mobile number on the app. If your credit score is above our eligibility score, you will be accepted as a member of CRED and will have access to a curated set of exclusive rewards and privileges that are members-only.

P.S: You will need a valid Indian phone number to enroll as a member of CRED

What’s New

Version 2.1.7

CRED has moved into the future. don’t be left behind. under the hood upgrades and bug fixes makes everything smooth, smoother.

Ratings and Reviews

4.7 out of 5
80.9K Ratings

80.9K Ratings

Siddhesh ,

Most Intuitive way to pay Credit Card bills 👍

Paying credit card bills meant navigating to bank website or doing google search to pay with billpay. CRED takes away all the hassle & just requires me to input the bill amount, debit card cvv & Done! It’s fast & extremely intuitive. The one time initial setup is great & makes you feel privileged as you have more than 750 points to access the app. The screen to activate google account to read card statements is unnecessary below every card. I have never used google email & don’t plan to either. The option just takes up space while scrolling through the cards. The CRED points in addition to your card points keeps me coming back every month to pay my bills. Although the reward catalogue can be better & the cashback never crossed double digit for me. All in all an excellent app, looking forward to more features from CRED team.

swaapz ,

Your money not safe

I made a bill payment of 8000 for my SBI credit card on 21st nov 2019. Its been 8 days and its still not reflected in my statement. When tried to contact CRED they just provided me with utr and asked to contact sbi. When contacted sbi they told me they cant register my complaint as CRED is not a recognised mode of payment. When I tried to contact CRED again they don’t even have a valid phone number or customer service number and all the time we are just chatting with a robot with the same reaponse that a ticket is generated for your complaint and you will get a reply within 24 hours. I didn’t get any reply after 24 hours and worst part is they have no means of contacting or raising complaint. They don’t even have means to track your complaint we just receive the ticket number and thats it. Their website also has no contact details. Now my money is stuck for over 7 days and sbi wont help me and CRED is not responding. So I urge everyone using this app to stop using it as though sometimes the payment gets clear easily if its stuck no one’s gonna help you. YOUR MONEY IS NOT SAFE WITH CRED. I will also go to social media to warn others about this and request everyone reading this to do the same as part of a good deed to save other from getting in such a fix. Thanks.

Minat D. SADH ,

Great App to study credit card spends

A really great app to pay credit card bills and keep track of usage. Only problem I’m facing is that a few of my statements are not being read by the app. That makes it a tad bit inconvenient.
Kunal, your app got us used to being dependent completely on the information available right from there but I noticed that after updates the app stopped reading the statements it used to read otherwise.
Kindly have your tech team look into this. It’s just more convenient to have all the information available rather than checking and entering the figure by myself. I tend to make a mistake sometime and land up making a short payment.
Otherwise a really great app. Still haven’t earned any cred gems as I did word of mouth publicity but forgot to send invites from the app.


Dreamplug Technologies Private Limited
194.6 MB

Requires iOS 10.0 or later. Compatible with iPhone, iPad and iPod touch.



Age Rating


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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