CRED: Credit Cards, Bills, UPI

CRED: Credit Cards, Bills, UPI

Credit Card Bill Payment & UPI

597K ratings
115 reviews
Free

Details

  • Released
  • Updated
  • November 28, 2018
  • September 15, 2026

Features

CRED: Credit Cards, Bills, UPI screenshot #1 for iPhone
CRED: Credit Cards, Bills, UPI screenshot #2 for iPhone
CRED: Credit Cards, Bills, UPI screenshot #3 for iPhone
CRED: Credit Cards, Bills, UPI screenshot #4 for iPhone
CRED: Credit Cards, Bills, UPI screenshot #5 for iPhone
CRED: Credit Cards, Bills, UPI screenshot #6 for iPhone
CRED: Credit Cards, Bills, UPI screenshot #7 for iPhone
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About

This app offers a rewarding way to manage all your payments, from credit card bills to utility expenses. Earn rewards for good financial decisions and track your credit score. It supports a wide range of payment methods and bill types, making financial management convenient and beneficial.

Pay credit card bills
UPI payments
Bill payment reminders
Credit score tracking
Exclusive rewards
Manage multiple credit cards
Transfer money to bank accounts
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What users say

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What's New in CRED

6.1.2

September 15, 2026

there's a method behind every magic trick. a coin vanishes from one hand and appears in another. a woman floats in mid-air. a deck of cards that breaks our sense of reality. you see, the impossible has an answer. but once it's revealed, there's nothing left to wonder at. some things are better experienced than explained. update the app and sit back. this one comes with a few tricks up its sleeve.

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User reviews

Cred shop

I have ordered one good from Credit store and for delivery. They are required an OTP from me, but as I have, I have changed my number. I am unable to get an OTP for delivery purpose, so I have reached to the Support and updated tarate mobile number with the confirmation with OTP on my new number, since last three days, I am topping up. They are not responding at all, and I haven’t received a single call from them and they are showing their chat box. You got a missed call from CRED. I have attached my call history minimum 10 to 15 times, but there is no response. They are only working with bots. They don’t have any contact number to reach to them. They don’t have even email ID to write to them. I am literally frustrated. The delivery guy from delivery company has reached to my door. But still, Trade is even not responding at all. This is pathetic and unexpected from cred. Think twice to order anything from CRED store.
Before, also, I have very bad experience with Credit store from their third-party Sailor website. I haven’t received a parcel and there is no response from Credit. They just said you have to contact the third-party company, which does not exist, no contact number, no email just a fraud company. I have ordered from CRED that time. Also, now I will not going to order anything from cred store.
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Response from developer

Hi, we understand your frustration that your order still hasn't been delivered after multiple follow-ups. Please email pearl@cred.club with your order details so our team can review the pending delivery and help resolve the issue.

Very bad experience with this app.

I have been using the CRED app for a while, but my recent experience renewing my Digit Insurance policy through them has been completely unacceptable. If you are thinking about paying for essential services like insurance through this app, do yourself a favor and pay the provider directly.
The Payment Issue
I bought my Digit Insurance policy via the CRED app. The payment was deducted from my account immediately, but it has been 5 days and the transaction has still not reflected in the Digit app. Because of this, my policy has not been approved till date. Insurance is a time-sensitive necessity, and being left without active coverage for almost a week because of a third-party gateway failure is incredibly stressful.
Abysmal Customer Support
The worst part of this entire ordeal is CRED’s customer care system. Despite their official marketing claims that their in-app support is handled by "people who understand your time matters", reaching out to them has been a complete waste of time. Instead of actively investigating why the payment hasn't been credited within their stated 7 dayswindow, their support executives just give robotic, scripted replies saying, "I will raise your concern." There is absolutely no urgency, no follow-up, and no real help
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Response from developer

Hi Shubh, we’d like to review the insurance payment and understand why the policy status hasn’t been updated yet. Please reach out to us at pearl@cred.club with the relevant transaction and policy details, and our team will investigate this further.

Credit card payments

After the recent update I am facing difficulties making payment. Once I enter the payment amount and hit submit it doesn't load anything in the next page. Tried flight mode on/off, Reset network settings on the iPhone. But nothing works.

Not showing fi app option as upi

Not showing fi app upi option as upi payment option

Poor Customer Support

Delivered a faulty product, return was requested the same day, pictures were uploaded but still delivery has not been arranged. What a terrible platform for shopping. Third quality product are sold on this platform now.

Developer apps

User experience

🐞

Reported Bugs

3 issues

Payment failures with no clear resolution

Bug

Delayed or missing refunds

Bug

Inability to update registered mobile number

Bug

Requested Features

5 requests

Improve customer support channels

Feature

Provide real-time payment tracking

Feature

Ensure accurate bill amount display

Feature

Introduce wishlist and price alerts for shopping

Feature

Maintain a stable and user-friendly UI

Feature

FAQ

What does the CRED app do?

CRED is a members-only app designed for managing all your payment experiences. It allows you to pay credit card bills, make UPI payments online and offline, transfer money to bank accounts, and pay various utility bills. The app also rewards you for making payments and good financial decisions.

What are the key features of CRED?

Key features include paying credit card bills, making UPI payments via QR codes or Tap to Pay, sending money to anyone with a UPI ID, setting up UPI Auto Pay for recurring bills, and paying a wide range of bills like rent, education fees, telecom, and utilities. It also offers credit score tracking, spotting hidden charges, and unlocking exclusive rewards.

How much does CRED cost?

The app itself is free to download and use. While there are no direct subscription fees mentioned, the app does have in-app purchases and is supported by ads. Users can earn rewards and privileges through their membership and payment activities.

What are the eligibility criteria to become a CRED member?

To become a CRED member, you need a credit score of 750 or higher. After downloading the app and filling in your basic details, if your credit score meets the requirement, you will be prompted to verify your credit card details to complete the membership process.

What types of bills can I pay using CRED?

You can pay a comprehensive list of bills using your credit card or UPI on CRED. This includes rent (house, office, security deposit), education fees (college, school, tuition), telecom bills (mobile recharge, broadband, cable TV), utility bills (electricity, LPG, water), and other bills like Fastag recharge, insurance premiums, and loan repayments.