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CRED: UPI, Bills, Credit Cards

Join 1.4 crore+ members who manage their credit cards, pay bills via UPI, and get rewarded for every smart financial decision.

Key Figures

Downloads

8M+

User Rating

4.8/5

Total Ratings

581K+

Publisher

Dreamplug Technologies Private Limited

Exclusive Benefits for the Financially Elite

Seamlessly manage your Indian credit cards, bills, and payments from anywhere in the world while unlocking premium rewards and financial insights.

Unified Card Management

Track and pay all your Indian credit cards in one sleek interface to avoid late fees and spot hidden charges instantly while abroad.

Remote Bill Payments

Support your assets and family in India by paying rent, maintenance, and utility bills via UPI or Credit Card with just a few taps.

FAQ

Frequently Asked Questions

Everything you need to know about CRED: UPI, Bills, Credit Cards

What is the primary purpose of the CRED app?

The CRED app is a members-only platform that rewards users for making payments and maintaining good financial health. It facilitates various payment experiences and credit card management.

What are the requirements to become a CRED member?

To become a CRED member, you must possess a credit score of 750 or higher. The membership process involves downloading the app, filling details, and verifying credit card information.

What types of bills can users pay using CRED?

CRED users can pay credit card bills, utility bills (electricity, water, gas), DTH, mobile recharges, house/office rent, education fees, Fastag, insurance premiums, and loan repayments.

Can CRED help me track and improve my credit score?

Yes, CRED helps members manage their credit score. It allows tracking past and present scores, identifies factors affecting CIBIL scores, and provides insights for improvement, ensuring financial health.

Does CRED support UPI payments?

Yes, CRED fully supports UPI payments. Users can pay online via UPI, scan QR codes for offline transactions, send money to any UPI user, and set up UPI Auto Pay for recurring bills.

Which credit card providers are supported by CRED?

CRED supports a wide range of credit card providers, including major Indian banks like HDFC, SBI, Axis, ICICI, and global networks such as VISA, Mastercard, Rupay, Diners Club, and AMEX.

What are the minimum and maximum personal loan amounts available through CRED?

Personal loans obtained through CRED range from a minimum of ₹100 to a maximum of ₹20,00,000. Eligibility depends on age, income, and residency status.

Does CRED provide bill payment reminders?

Yes, CRED provides automatic bill payment reminders. This feature ensures users receive timely notifications for credit card bills, utility payments, and other recurring bills, helping to avoid late fees.

What benefits do I get with a CRED membership?

A CRED membership offers management of multiple credit cards, tracking of credit scores and bank balances, identification of hidden charges, smart statements, and exclusive rewards and privileges.

Can I transfer money to bank accounts using CRED?

Yes, CRED allows users to transfer money to bank accounts. This includes sending rent or education fees directly from their credit card, simplifying various payment processes.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

CRED: UPI, Bills, Credit Cards - CRED app promotional screen showing the text home to your credit cards and logos of major Indian banks like HDFC SBI and ICICI — CRED app promotional screen showing the text home to your credit cards and logos of major Indian banks like HDFC SBI and ICICI

CRED: UPI, Bills, Credit Cards - Interface of CRED app displaying total balance and breakdown of bank accounts for Axis and ICICI Bank — Interface of CRED app displaying total balance and breakdown of bank accounts for Axis and ICICI Bank

CRED: UPI, Bills, Credit Cards - CRED app screen showing credit card management and payment dashboard on a smartphone. — CRED app screen showing credit card management and payment dashboard on a smartphone.

CRED: UPI, Bills, Credit Cards - Mobile screen showing credit card bill payment reminders on the CRED app — Mobile screen showing credit card bill payment reminders on the CRED app

CRED: UPI, Bills, Credit Cards - A smartphone screen displaying the CRED app scanning a QR code for UPI payments — A smartphone screen displaying the CRED app scanning a QR code for UPI payments

CRED: UPI, Bills, Credit Cards - CRED mobile app dashboard showing an excellent credit score of 801 and membership growth statistics — CRED mobile app dashboard showing an excellent credit score of 801 and membership growth statistics

CRED: UPI, Bills, Credit Cards - CRED mobile app screen displaying various utility bills and recharge options in a centralized dark mode interface — CRED mobile app screen displaying various utility bills and recharge options in a centralized dark mode interface

CRED: UPI, Bills, Credit Cards - CRED app interface highlighting exclusive member privileges for travel shopping and automotive rewards — CRED app interface highlighting exclusive member privileges for travel shopping and automotive rewards

Description

CRED is a members-only app for all payment experiences. Trusted by over 1.4 crore+ creditworthy members, CRED rewards you for the payments & good financial decisions you make. What payments can you make on CRED? → Credit card bills: Check & manage credit cards without multiple credit card apps. → Online payments: Pay via UPI or credit card on Swiggy, Myntra & more, with CRED pay. → Offline payments: Scan QR codes or activate Tap to Pay for contactless payments. → Pay anyone: Send money to anyone through CRED, even if the recipient uses BHIM UPI, PhonePe, GPay or any other UPI app. → Transfer money to bank accounts: Send rent or education fees from your credit card. → UPI Auto Pay: Set up UPI autopay for recurring bills. → Pay bills: Pay utility bills, credit card bills, DTH bills, mobile recharge, house/office rent, and more. Get automatic bill payment reminders so you never miss a due. What comes with your CRED membership: → Manage multiple credit cards easily → Track your credit score & bank balance → Spot hidden charges & duplicate spends → Get smart statements for better insights → Unlock exclusive rewards & privileges 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, water bill, municipal tax, piped gas bill payment online, etc. → Other Bills like Fastag recharge, insurance premium, loan repayment, etc. How to be a CRED member? → To become a CRED member, you need a credit score of 750+. → 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. Manage your credit score with CRED: → Credit score is more than a number, it indicates your financial health → Keep a tab of your past scores and track your present one → See the factors affecting your CIBIL score with CRED → Make predictions based on foresight & improve your CIBIL score → Every credit information is encrypted, monitored and protected 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. • DTPL acts as a Lending Service Provider (LSP). • CRED app acts as a Digital Lending App (DLA). Personal loans eligibility criteria • Age: 21- 60 years • Annual household income: ₹3,00,000 • Should be a resident of India • Loan Amount: ₹100 to ₹20,00,000 • Repayment Tenure: 1 Month to 84 Months Loan against mutual fund eligibility criteria: • Age: 18-65 years, Mutual Fund Investment: Min. ₹2000 Portfolio, *Subject to Lender Policy, Should be a resident of India • Loan Amount: ₹1000 to ₹2,00,00,000 • Repayment Tenure: 1 Month to 72 Months Annual Percentage Rate (APR): 9.5% to 45% Example: If you borrow ₹5,00,000 for 3 years at 20% p.a. EMI: ₹18,582 | Processing Fee: ₹17,700 Total Payable: ₹6,68,945 | Total Cost: ₹1,86,645 Effective APR: 21.92% 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 Ltd, Newtap Finance Pvt. Ltd, L&T Finance Ltd, YES BANK Limited, DSP Finance Pvt Ltd, Aditya Birla Capital Ltd. Have things on your mind? Don’t keep it to yourself. Contact us at feedback@cred.club. Grievance Officer: Atul Kumar Patro grievanceofficer@cred.club Send money via UPI, clear all your bills, improve your credit score & earn rewards with CRED. Download now.