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CRED: Credit Cards & Payments 4+
UPI & Credit Card Cashback App
Dreamplug
-
- Free
Screenshots
Description
CRED is a members-only app for all payment experiences.
Trusted by over 25 million+ creditworthy members, CRED rewards you for the payments & good financial decisions you make.
What payments can you make on CRED?
→ Pay credit card bills: Check credit information & manage credit cards without downloading multiple credit card apps.
→ Online payments: Pay via UPI or credit card when you checkout from brands like Swiggy & Myntra via CRED pay.
→ Send money to anyone: Use CRED UPI to pay phone numbers or UPI IDs.
→ Transfer money to bank: Send rent or education fees from your credit card.
→ Pay bills: Pay utility bills, credit card bills, DTH bills, mobile recharge, house/office rent, and more. Get payment reminders so you never miss a due.
What else can you do with a CRED membership?
→ Manage credit cards: Add and manage multiple credit cards on CRED
→ Check bank balance & credit score: Track your credit score report
→ View hidden charges: Automatically detect hidden charges on your credit cards & get alerted on duplicate transactions
→ Get smart statements: Keep track of how you use your credit card with smart statements
→ Earn rewards: Unlock exclusive perks & privileges, just for being a CRED member
Upgrade your lifestyle with CRED:
→ Curated shopping experience on CRED store
→ Curated stays & holiday packages on CRED escapes at special prices
→ Manage vehicles’ insurance, FASTag, PUCC, and more on CRED garage
→ Get pre-approved personal loans on CRED cash
Bills you can pay using credit card or UPI:
Rent: Pay your house rent, maintenance, office rental, security deposit, brokerage, etc.
Education: College fees, school fees, tuition fees, etc.
Telecom Bills: Recharge your Airtel, Vodafone, Vi, Jio, Tata Sky, DishTV, prepaid or postpaid connections, broadband, landline, cable TV, etc.
Utility Bills: Electricity bills, LPG cylinder, piped gas, water bill, municipal tax, etc.
Other Bills: Fastag recharge, insurance premium, loan repayment, etc.
How to be a CRED member?
→ CRED is built to reward creditworthy individuals. 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 credit card details
→ Enjoy the privileges of being a CRED member
What is Credit Score?
→ Check your credit score on CRED, no matter what credit card you have
→ Each credit score has a different scale
→ A score of 700+ on CRIF & Experian is considered to be good
→ A higher credit score is an indicator of good financial behavior
Credit scores shown on CRED:
There are 4 credit bureaus in India - Experian, Equifax, CRIF & CIBIL. CRED can showcase your CRIF, Experian & Equifax credit scores and helps track these credit scores individually.
Can CRED help in improving credit score?
With CRED make bill payments on time which will help improve your credit score over time.
Credit Cards supported on CRED:
HDFC Bank, SBI, Axis Bank, ICICI Bank, RBL Bank, Kotak Mahindra Bank, IndusInd Bank, IDFC First Bank, YES Bank, Bank of Baroda, AU SMALL FINANCE BANK, Federal Bank, Citi Bank, Standard Chartered Bank, SBM BANK INDIA LIMITED, DBS Bank, South Indian Bank, AMEX, HSBC Bank, all VISA, Mastercard, Rupay, Diners club, AMEX, Discover credit cards.
Lending partners on CRED:
IDFC First Bank Limited, Crédit Saison - Kisetsu Saison Finance (India) Private Limited, Liquiloans - NDX P2P Private Limited, Vivriti Capital Pvt Ltd, DBS Bank India Limited, Newtap Finance Pvt. Ltd.
Contact us
Have things on your mind? Don’t keep it to yourself. Contact us at feedback@cred.club.
Pay anyone via UPI, clear all your bills, improve your credit score & earn rewards with CRED. Download Now.
What’s New
Version 4.7.5
"Amor Fati."
in Stoic philosophy, it means loving your fate without any reservations.
but when it comes to your finances, we believe in reshaping fate, not accepting it.
introducing CRED money.
this update doesn't let destiny decide where your money goes; it empowers you to take control.
they say money talks. but with CRED money, it will finally make sense.
for those who seek clarity in their finances, this is your toolkit.
and if you're content with impulsive spending, look away - this isn't for you.
Ratings and Reviews
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.
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.
Rigged System showooff third class
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 pearl@cred.club 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
Information
- Provider
- Dreamplug Technologies Private Limited
- Size
- 424.8 MB
- Category
- Finance
- Compatibility
-
- iPhone
- Requires iOS 14.0 or later.
- iPad
- Requires iPadOS 14.0 or later.
- iPod touch
- Requires iOS 14.0 or later.
- Apple Vision
- Requires visionOS 1.0 or later.
- Languages
-
English
- Age Rating
- 4+
- Copyright
- © 2018 Dreamplug Technologies Private Limited
- Price
- Free