The right way to pay your credit card bills is here.

Join 5 million CRED members in making credit card bill payments instant, simple and hassle-free. Just the way it should be.

On CRED, the idea is simple: pay credit card bills, get rewarded. Use CRED Coins earned from paying your bills on CRED to win big prizes and unlock access to products at member-exclusive prices.

CRED helps you make the most of your credit cards.

- be on top of your credit card bills
get payment reminders that ensure you never miss your due date.

- know everything
detect hidden charges and get alerted on duplicate transactions.

- make winning a habit
win exclusive rewards by using the CRED Coins earned from pay your bills

- get the special treatment
access products from your favourite brands on CRED Store at member-exclusive prices

- all your cards in one place
manage multiple credit cards without the headaches. you can use CRED to manage and make bill payments on American Express credit cards, Standard Chartered credit cards, ICICI credit card payment, Kotak Credit Card payment, HDFC credit cards, SBI credit cards, Axis Bank credit cards and others.

Join the elite club

Use your name and valid mobile number (issued in India) to sign up with CRED. Only members above a CRIF/Experian score of 750 are currently allowed to become members.

The ideal credit card experience is waiting for you. Become a member today to claim these perks and more.

What’s New

Version 2.4.9

One of our product managers took a philosophy course and got obsessed with the concept of free will. The question that bothered them the most: “What does complete control feel like?“.
This update contains the answer.
Introducing the new “Credit Score” section.
Get in-depth analysis of your score along with personalised insights that guide you towards better financial health and inevitably, a better decision-making framework.
Users on iOS 14 can also add widgets for each of their cards on the home screen and keep track of their due amounts and payment dates at all times. Absolute control? Absolutely.
Now, it’s your turn to exercise your free will for the right cause: get the update.

Ratings and Reviews

4.8 out of 5
127.4K Ratings

127.4K Ratings

elusiveanmol ,

Best-in-class Credit Card management app

Cred instantly makes you fall in love with it's ease-of-use*, interface, and interaction design.
Paying your credit card bill before the due date let's you unlock Cred points and I find it a highly rewarding Feedback Loop. The redemption options are amazing for someone living in the metro.
Kudos to the illustration and the product team for making it a delightful experience.

*Ease-of-use: I would like to point out that the latest update totally devalues Cred's strong interface language and accessibility ratio. I am not sure what the thought process behind the new UI was but it seems unwarranted.
New Design Trend on Dribbble: Neumorphism, and Cred was like,
are you our Lord and Saviour?!
The neumorphic interface has certain details which are executed really well but overall I found it to be immensely jarring. The navigation labels' contrast is just way too low and while the new UI gives the product, a more tactile feel, it comes at the cost of perceived reduced padding between the elements, heaviness in certain sections that don't warrant the attention. It took me a good 3-5 seconds to reorient myself to the navigation, and to the UI change which is not a good thing at all as it slowed down my journey. I hope the next update rolls the experiment back or improves on these areas.

Bala07 ,

Degrading rewards

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.

Shoro R ,

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


Dreamplug Technologies Private Limited
171.6 MB

Requires iOS 11.0 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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