CRED: UPI, Credit Cards, Bills - Apps on Google Play
4.8
2.64M reviews
50M+
Downloads
Content rating
Rated for 3+
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About this app

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?

✔️ 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.
✔️ Offline payments: Scan QR codes & pay merchants; 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 other than CRED.
✔️ Transfer money to bank: 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 else can you do with a CRED membership?

→ Manage credit cards: Add and manage multiple credit cards on CRED for better control over your personal finance.
→ 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, water bill, municipal tax, piped gas bill payment online, etc.
Other Bills like Fastag recharge, insurance premium, loan repayment, etc. can also be made through the CRED money sending app.

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

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 the foresight & improve your CIBIL
▪️ 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.

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 [email protected].

Do a UPI money transfer, clear all your bills, improve your credit score & earn rewards with CRED. Download Now.
Updated on
May 17, 2025

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, Financial info and 2 others
This app may collect these data types
Location, Personal info and 6 others
Data is encrypted in transit
You can request that data be deleted
UPI payments verified

Ratings and reviews

4.8
2.63M reviews
Dinesh Kumar
May 23, 2025
I've been using the CRED App for a while now, and it has completely changed the way I manage my credit card payments. The interface is sleek, intuitive, and user-friendly. One of the best parts? It rewards you with CRED coins every time you pay your bills, which you can redeem for some great offers, products, or even cashback. What I love: ✅ Timely bill reminders ✅ Easy credit score tracking ✅ Exclusive rewards & cashback offers ✅ Transparent UI with no hidden charges
16 people found this review helpful
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G.GANGADHAR MURTHY
May 17, 2025
The App is very user friendly. An excellent support team. Great deals! One suggestion to make is the App should have provision to download invoice against each and every item purchased through CRED. Most of the times, it is personally seen the vendors are not enclosing / pasting invoice on the package. Only a packing slips are noticed. A few are complying and majority of them do not. Secondly, reaching Cusomer Care shou;d be made easier than navigating / entering many a details before that
123 people found this review helpful
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نعيار نسيم
May 13, 2025
I’ve been a regular user of CRED for a long time and always appreciated its clean, premium, and minimal user interface. However, the recent UI update is honestly disappointing. The new design feels too cluttered, with unnecessary animations, oversized buttons, and a confusing layout. The elegance and simplicity that made CRED stand out is now lost. Navigation has become less intuitive and the user experience is not as smooth as before. Request: Old UI was better. Please simplify
15 people found this review helpful
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What’s new

time is relative.
if you were on Miller's planet, time would pass by slowly.
one hour there translates to seven years on our planet.
time is on your side with this upgrade; we've made your CRED experience faster and smoother.
as it should be.
and unlike a Nolan movie, you'll get it instantly.