CRED: UPI, Bills, Credit Cards 4+

UPI payments, made rewarding

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, Parfait Finance & Investments 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 4.4.2

Upgrade to CRED UPI with this release.
Earn cashback on every UPI payment.
Use this cashback to kill your credit card bills.
With your credit card bills out of the way, spend time on what you care about.
Pick up that forgotten hobby.
Satisfy your curiosity.
Call loved ones.
Soon every time you see a QR code, it'll be a reminder of all the things you can be and have become.
Lucky you.

Ratings and Reviews

4.8 out of 5
391.8K Ratings

391.8K 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.

salaah1310 ,

Hires goon to threaten and harass customers

One of my cousins missed an emi coz of a temporary financial crisis. He emailed cred and also spoke to number of executives on incoming calls from cred assuring that he intends to pay the cred cash he had availed and also is willing to pay any penalty fees applicable. Inspite of updating he is being bombarded with persistent calls every 10-15 mins. When he answers the calls and tells them he has already updated the information and wants to stop these calls they say “u ll get calls since u have taken money” “calls are system generated” and when asked to check the data on the system they say “we dont have any”. Not only this they also misbehave speak badly abuse over the calls. Some people disconnect the call and call on whatsapp or call from some other number since he started recording these calls, the sole purpose of calling on whatsapp and from other numbers is to abuse and harass. He is been mentally harassed by these callers from cred and has become frustrated and has developed anxiety and other health and mental issues. Cred hires goons to recover money even after charging late fees interest and other charges. Pleas donnot use this app orany service from them. Any which ways they dont offer any thing as rewards. Only coins to play stupid games and win coupons whoch u get free everywhere.

I was wxpecting cred to be very professional but i m really disappointed

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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