CRED is a members-only credit card bill payment platform that rewards its members for clearing their credit card bills on time. CRED members get access to exclusive rewards and experiences from premier brands upon clearing their credit card bills on CRED.

How does CRED reward their users?
CRED partners with the best premier and luxury brands to bring you an unmatched experience at the end of every credit card bill payment cycle. These brands include Airbnb, Book My show, Urban Ladder, Bombay Shaving Company,, Ixigo, Bodycraft to name a few.

Rewards covered on CRED
Every time you pay your credit card bill on CRED, you earn CRED coins equivalent to the amount of your credit card bill cleared on CRED. The CRED coins earned can be used to claim shopping rewards, travel rewards and dining rewards. Some of the offers include:
- A 45-day subscription to the Harvard Business Review
- Unlimited doctor consultations for you and your family on the DocsApp
- 50% off on all The Bowl Company
- One month subscription to the Bloomberg Quint

How to earn rewards on CRED
Members can earn rewards in two different ways. One way is through CRED coins and the other is through CRED gems. CRED coins and CRED gems both offer different rewards from different brands.

CRED Coin Rewards - When you pay your credit card bill on CRED, for every rupee cleared on your bill you earn a CRED coin. You can then use earned CRED coins to claim exclusive rewards from different brands.

CRED Gem Rewards – For every person that you refer to CRED who makes a bill payment, you earn 10 gems. Gems can then be exchanged to claim exclusive rewards from special brands.
Apart from these, you can also access all your credit card rewards i.e rewards offered by your bank.

What do you get as a CRED Member?
As a CRED member, you instantly make your credit card payment experience hassle-free by unlocking several perks only available to CRED members:
- Seamless bill payment experience through modes like UPI, net banking and debit Cards
- Timely credit card bill payment reminders
- Automate your credit card bill payments
- Expose hidden charges on your credit card with CRED protect
- Get real-time alerts on duplicate transactions on your credit card
- Manage multiple credit cards on a single portal
- Keep a realtime check on your credit score

How does CRED make it easy to pay one’s credit card bills?
CRED helps you to ensure that you make timely credit card bill payments with ease:
You get to manage all your credit cards on CRED and view the amount that is due for payment from a single place. You also get timely reminders for bill payments which ensure that you never miss your due date and thus save up on your late charges. Additionally, you also ensure the chances of getting a higher credit score in the future with on-time payments. Whether you have to make a Standard Chartered credit card payment, American Express credit card payment or Citi credit card payment, your payments are always instantly cleared and take just a few clicks.

How does one become a member of CRED?
You can apply to be a member by signing up on CRED with your name and valid mobile number(issued within India). CRED is India’s most trustworthy and creditworthy community. This means we are selective about the members we take. For membership an Experian credit score of 750 or above is mandatory.

Keep checks on your credit score
Upon becoming a member, you can refresh your credit score with a single click. CRED then proceeds to acquire your updated credit score through a CIBIL score soft inquiry.
On CRED you can access your credit score data anytime without any extra charges. As a member, this helps you keep regular checks on your credit score and re-evaluate your spending patterns to maintain a healthy credit status.

CRED supports online credit card bill payment for American Express, Standard Chartered, Citibank, HSBC, HDFC, ICICI, SBI, AXIS, Kotak, RBL, PNB and other top Indian banks.

What’s New

Version 2.4.0

Introducing CRED Win: Take part in games with your CRED coins and bring home big rewards. Yes, the excitement is complimentary. Word of advice: Play to win before the games change and avoid heartbreak over losing out on the rewards.

Ratings and Reviews

4.7 out of 5
101.8K Ratings

101.8K 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.

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

Ravee Gokulgaandhi ,

Too many limitations

I like the concept of CRED. In fact I was waiting for something like this to come up and ease our lives that are made complex with the card companies. However the app adds more stress then it relives it. For eg smart statements only support Gmail and Hotmail but for those who get statement on personalized accounts there is no option to auto forward statement to CRED. And adding office 365 accounts does not work at all. Also for cards that are cancelled or upgraded there is no easy way to remove those cards. And if there is I have not been able to figure out as yet. And in case if you have two types of card with same account E.g Master and Amex, it treats them as two different cards although they fall under same credit limit and same statement. Also When you have two cards with Amex , e.g charge card and a credit card, it makes incorrect payments to wrong type of card when you pay through cred. You need to call Amex and transfer credit from one to another. I hope these small things are fixed and tested to be the go to App for your credit card management.


Dreamplug Technologies Private Limited
147.5 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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