CRED: UPI, Bills, Credit Cards 4+

UPI payments, made rewarding


    • Free



Pay all your bills instantly. Make payments at stores and to contacts via UPI. Earn rewards and assured cashback every time. And that's just one of the many reasons millions of members prefer paying on CRED.

The right app to pay your credit card bills online is here.

Use CRED coins earned from paying your bills to win big prizes and unlock access to products at member-exclusive prices, it's that simple.

→ CRED pay: Scan any QR code and pay instantly via UPI to earn assured rewards every time

→ Pay anyone via UPI: Pay saved contacts or others via their phone number or UPI ID.

→ Pay bills instantly: Pay all your bills, including ones for electricity, mobile, credit card rent and more for assured rewards and cashback

→ 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 for all your credit cards

→ Spend analysis: complete track of where you spent from your credit card with easy to read spend analysis charts

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 CRED & 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. Get 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 with scheduled reminders. Timely bill payments have a positive effect on improving your credit score. By acting on these reminders and paying your bills, you'll be improving your credit score over time just like millions of other CRED members.

What’s New

Version 4.2.1

To proceed, be honest with yourself.
Was it love at first sight?
Does it sometimes feel like they picked you?
Has life changed for the better since you've met?
Is it impossible to imagine a future without them?
If you thought of a person, we recommend you stop reading and let them know how you feel.
If you were one of the few who thought of their cars, this upgrade is for you.
Update now to unlock CRED garage.
Manage, maintain, and obsess over your cars. All in one space.
It's what your love deserves.

Ratings and Reviews

4.8 out of 5
380.6K Ratings

380.6K Ratings

Kittu_13 ,

Cred team support few staff are not attentive because of which customers face issue

I paid the electricity bill which shows me still in processing after 7 days. On contacting the support team they told it got failed and amount wilm be returned in 2-3 days. After 3 days on following up they asked the latest bank statement. I did shared the transaction history on the same day. They checked it on next day and emailing that statement is not latest. They are moving this back and not providing therefund. Although shared the screenshot where amount was deducted with transaction id they are not even checking in their system for the refund was ever initiated or not. Later after complaining got a call from escalation team who debugged the issue on call and they confirmed the glitch in app of showing text (in processing) and that refund was processed in other source and not the orginal source. Escaltion team resolved the issue however the previous support team was not so attentive and neither put effort on understanding and solving the issue.

Sruthisr ,

Transfer to wrong acc-claimed users fault

I have been using CRED for the past 2 years atleast and faced no issues on the same. However, of late, I added a new credit card from hdfc and tried to make my first payment. I could see that once I added it all my original transactions made on card were being reflected. I proceeded to pay my due. Apparently CRED traced someone else’s account based on my details and went ahead and processed repayment to them. Now is the funny part. They asked me to reset the card as the old details were still pointing to someone’s else’s account ( which I find really hard to believe coz the transactions were still mine) I proceeded to re-add and this time they concluded that I should reach out to hdfc to trace the transaction using the utr they provided and if in case, I can’t, I have to get a reply from hdfc exclusively in the format they provided. Now hdfc isn’t my best bud to comply to all that. They clearly stated on call that they can’t even trace this as a complaint. Now my credit card due date is nearing and this issue is unresolved, I asked CRED if they can take care of the last payment fee as well. There comes the twist. They blamed the entire issue as my fault since some 1 rupee validation check was not done ( which is specified nowhere as a disclaimer prior to payment).
There has been back and forth and the sad part is can’t even call them. Never using this app again nor recommending it to anyone.

mack_tm ,

Rigged System showooff

Instead of directly giving a cashback of 4rs after making card payments, they make play with rigged machine and keep expecting huge cashback. These companies are going nowhere but to a hill with more steeper end. Why are you making such heavy good looking lies to customers? Dont they get it? Why are you running spinning games that is throwing fixed cashback. Even other after card payment showed upto section of winning thousand ruppees after making cc payment, when reported they changed the look to spinner which is fully rigged on fixed cashbacks. Stop playing games with customers emotions. Why to add such heavy lies, over flashy rewards & heavy ui that is busy is showing off style then doing the quick job. You guys are burning cash of investors & playing games with users. Focus on basic payment how it can must be done in seconds & bring other products with ease not with heavy ui only. using the cred since years, Even cred refer links have blocked by facebook for spamming. Where cred app is not serious on user to new user marketing only. They are burning hefty cash. Dont do it please. Bring a stable strong faster & quick ui & prompt loan. Cred cash is avail. Since decades now but unable to withraw funds. Buggy ties. Whats the use of such ui if basic sanction is not working. Since years now. Stupid ads on tv. You are targetting senible audience with first class app looks hiding rigged systems 😏👍

Developer Response ,

Hi Mack, we’re unhappy to see that you’re not enjoying the rewards on the app and would love to connect with you to understand what can be done to improve your experience. It’ll be great if you could email us at using your registered email address/phone number.

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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