CRED - Pay credit card bills 4+

Earn exclusive rewards


    • Free



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.

What’s New

Version 3.0.8

This space is usually reserved to let CRED members know how their experience has been improved with the latest release: the cumulative work of passion of many builders.

But we are using this release as a tribute for one special contributor who is unfortunately no longer with us: Shylesh.

A passionate individual, his work expanded its impact beyond the app and inspired everyone who built with him.

We miss him but his contributions and influence will forever be felt with every release.

Ratings and Reviews

4.8 out of 5
251.1K Ratings

251.1K Ratings

Maxim Couto ,

Poor User Experience

I have been using the app practically from the start and can say with a fair degree of certainty that the overall experience if you’re shopping on the app is below average. The deals are pretty good but delivery schedules are inordinately long( Sometimes even 8-10 days) And God help you if you face a problem with your orders because their customer care is lousy and practically nonexistent. There is no helpline to reach out to and most of the time you’re talking to some bot or the other and answering a set of nonsensical questions that don’t get to the nub of the matter. Efficiency is lacking with a typical lackadaisical sense of entitlement. (Where they think they are doing you a favour) The credit card cash backs are also delayed or not received ( for eg 10% CB on X card on spend of X amount) When the matter is taken up with CRED they say contact the Bank and when we contact the Bank we are told that CRED hasn’t shared the relevant details and so we go round and round till we give up out of sheer frustration. Beware all adopters. An aggrieved User

Raghav1622 ,

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

the iOS_devolapaah ,

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 and the team will reach out to you.

App Privacy

The developer, Dreamplug, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Contacts
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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