The right app to pay your credit card bills online is here.
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 free with CRED. Download the CRED APP 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
→ 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
→ CRED Store: A wide range of products from popular brands at discounted rates
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. 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 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 by reminding you on time. This will help you improve your credit score over time. This will help you improve your credit score like millions of other members.
Can you pay American Express card bills on CRED?
Yes, all American Express credit cards are supported for bill payments on CRED. You can make seamless payments for American Express cards.
One by one.
That's how our developers approached this update:
Improving every single feature. Eliminating all minor errors.
Thus, perfecting your experience.
In fact, we're not sure if it qualifies as an update anymore.
Like the question raised by The Ship of Theseus:
"If a ship's parts are replaced one by one, does the ship remain the same, or does it become something completely new?"
Is this just an 'update' or an entirely new way to experience CRED?
Find the answer for yourself.
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.
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 email@example.com.
Most beautiful useless app
The honeymoon period with actual useful offers and rewards is over for Cred’s early customers. Now this app is full of useless offers and an e-commerce store full of over priced fancy useless products. And their next big thing Cred cash will surely trap many unfortunate financially illiterate youth in a high interest rate debt rabbit hole. The only benefit for using Cred now is that 10-15 rupees peanuts you get as cash back every time you do a credit card payment. And definitely Cred is making huge profit by mining all that highly sensitive financial data of users.
Seeing the massive popularity of Cred advertisement reminds me of that Noam Chomsky quote - “Markets are supposed to be based on informed consumers making rational choices. But an ad’s only purpose is to create uninformed consumers making irrational choices.”
That being said, being an iOS developer myself, I am a huge fan of Cred’s UI and UX. Your app is an inspiration for me in my day to day work. And also I am a fan of Kunal’s tweets and podcasts. But I am sure this guy is again gonna make hell lot of a money by providing another much hyped, no substance product by selling highly sensitive user data.
Developer Response ,
Hi User, we would like to connect with you assist and understand the feedback. You can quickly log in to the app and reach our chat support team or write to us at firstname.lastname@example.org and the team will reach out to you.
Data Linked to You
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
- Dreamplug Technologies Private Limited
- 231.9 MB
- Requires iOS 11.0 or later.
- Requires iPadOS 11.0 or later.
- iPod touch
- Requires iOS 11.0 or later.
- Age Rating
- © 2018 Dreamplug Technologies Private Limited
Up to six family members will be able to use this app with Family Sharing enabled.