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 2.2.1

CRED has moved into the future. Don’t be left behind. Under the hood upgrades and bug fixes make everything smooth, smoother.

Ratings and Reviews

4.7 out of 5
86.7K Ratings

86.7K Ratings

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.

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.

StanlyRaj ,

Irresponsible and zero Customer service. Even payment not credited to my card since 12days

I have been using cred app since 3months. First 2months its fine. 3rd month I have paid my bill but it is not credited to my credit card. More than 12days till date it has not credited to my card and moreover the customer service team is totally irresponsible. No reply from them and not even a single mail from them. Only once I have received a call from them to discuss the issue and later no calls. Even no replies from them as I have sent almost 6mails to them. I am totally unsure where my money is gone. Giving 7,11,13,14 rupees as cashback and attracting the users, these apps were playing with our trust and belief. Dont ever never believe and delete this app at the earliest even though you guys had received some big cashback amount earlier. Beware of CRED.. Hope this is useful for new users. Truly not at all satisfied.
I have been levied with late charges even though as I have paid 2days before due date. Cred is saying nothing about it except you relax. Huge cheating app.


Dreamplug Technologies Private Limited
226 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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