# CRED: Credit Cards, Bills, UPI — Credit Card Bill Payment & UPI > Rewards-based app for credit card payments, UPI, and bill management. (iPhone/iPad app by Dreamplug.) - Source: https://appshunter.io/ios/app/cred-credit-cards-bills-upi/id1428580080 (this page in markdown: same URL + `.md`) - Developer: [Dreamplug](https://appshunter.io/developer/1428580079) - Category: Finance, Lifestyle - Price: Free - Rating: 4.84/5 from 597,109 App Store ratings · 114 written reviews indexed - Age rating: 12+ - Requires: iOS 15.0 · 604 MB - Languages: American English - Released: 2018-11-28 - Data updated: 2026-09-03 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/cred-credit-cards-bills-upi/id1428580080/reviews.md ## What is CRED? CRED is a members-only app for all payment experiences. Trusted by over 1.4Cr+ creditworthy members, CRED rewards you for the 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. → Offline payments: Scan QR codes or Tap to Pay for contactless payments. → Pay anyone: Send money to anyone through CRED, even if they use BHIM UPI, PhonePe, GPay or any other UPI app. → Transfer money to bank accounts: Send rent or education fees from your credit card. → Autopay: Set up autopay for recurring bills. → Pay bills: Pay utility bills, credit card bills, DTH bills, mobile recharge, rent, and more. Get automatic bill 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 rent, 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, cable TV, etc. Utility Bills: Electricity bill, LPG cylinder, water, 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, enter your details, and get a free credit score report → If your credit score is 750+, verify your credit card details and become a member 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 → 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, 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 ₹50,00,000 * Repayment Tenure: 1 Month to 60 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% CRED flash: pay at partner merchants now and repay later, as per lender-approved limits, fees, and KFS terms. Lending partners on CRED: IDFC First Bank Ltd, Crédit Saison - Kisetsu Saison Finance (India) Pvt. Ltd, Liquiloans - NDX P2P Pvt. Ltd, Vivriti Capital Pvt. Ltd, DBS Bank India Ltd, Newtap Finance Pvt. Ltd, L&T Finance Ltd, YES BANK Ltd, DSP Finance Pvt. Ltd, Poonawalla Fincorp Ltd, KrazyBee Services Ltd, DMI Finance Ltd, Respo Financial Capital Pvt. Ltd. Have things on your mind? Contact us at feedback@cred.club. Grievance Officer: Atul Kumar Patro grievanceofficer@cred.club Send money via UPI, pay your bills, improve your credit score & earn rewards with CRED. Download now. ## Key features - Pay credit card bills - UPI payments - Bill payment reminders - Credit score tracking - Exclusive rewards - Manage multiple credit cards - Transfer money to bank accounts ## What do users think of CRED? Overall sentiment: negative **Pros** - ⭐ Convenient payment experience - 💳 Helpful for managing credit card bills - 🎁 Rewarding with cashbacks and offers **Cons** - 🤖 Unresponsive customer support - 🔍 Lack of transparency in payment processing - 🔢 Incorrect bill amounts displayed - 🚫 Unreliable payment tracking - 🛒 Overpriced products in the e-commerce section - 🔄 Frequent UI changes causing confusion **Commonly reported bugs** - Payment failures with no clear resolution - Delayed or missing refunds - Inability to update registered mobile number **Most requested features** - Improve customer support channels - Provide real-time payment tracking - Ensure accurate bill amount display - Introduce wishlist and price alerts for shopping - Maintain a stable and user-friendly UI ## Recent user reviews (10 of 114) All indexed reviews: https://appshunter.io/ios/app/cred-credit-cards-bills-upi/id1428580080/reviews.md ### 1/5 — Very bad experience with this app. *2026-08-17* 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 **Developer response:** 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. ### 2/5 — Credit card payments *2026-04-01, version 5.6.9* 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. ### 1/5 — Not showing fi app option as upi *2026-01-05, version 5.5.9* Not showing fi app upi option as upi payment option ### 1/5 — Poor Customer Support *2025-12-21, version 5.5.9* 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. ### 1/5 — Not worth for high users of Credit Card *2025-11-19* After using CRED for 4 months and making substantial amounts of payments for all my credit cards, I have to conclude that this app is not that rewarding for the hype it has been spoken about. True that the UI is providing a good experience but for any Credit Card User who spends more than a lakh of rupees as credit card spends, will find this disappointing. The only thing advantage here is it consolidates all in one place and payment is made easy. But EOD the high spender of credit cards are better taken care by the banks itself and there I found the rewards worthy. It’s a big learning that we continue to manage our cards on our own instead of accumulating in one place and facilitating revenue for someone with no rewards back, doesn’t make any sense. And for all this why sacrifice our privacy of sharing mail etc and after all these, it’s a faceless company as there no number to speak to anyone. The bot has an option but the kinda repeat questions it has been programmed with make you feel come out of support window. When a company is afraid to face customers with a calling in facility, it’s clear that the customers are going to suffer. To conclude, it’s better that we manage our cards on our own and enjoy services directly from banks rather make someone earn money from our hard work. And this is just another hyped business. ### 1/5 — No customer support *2025-10-27* I made a payment for my credit card through the app and the amount was deducted and also I got SMS for the same, but it was never credited to the second party And when I raise a complaint, I am getting same computer generated message that it will get updated that's it. I am not able to go through after this because it never give me the chance to create a ticket. and the biggest head is they don't even have the customer care number so I again try to create a ticket by opening a ticket and different transaction then SURPRISE SURPRISE!! I am getting same computer generated message on mail for this time they don't even bother to call the customer and when finally they told me that we will update you for the same on after a week but I didn't get any resolution till now no matter what I do. They just sending me the same message again and again that our team is working on your issue and you will get update within two working days. I bet if anyone fall they will not be able to do anything apart from sending mail on rubbing hand and thinking there is my money you will be mentally harassed because of their useless customer service system **Developer response:** Hi Ajay, we understand that you have not yet received the expected assistance from our end, and we would like to set things right. Kindly drop us an email to pearl@cred.club with your registered phone number. ### 1/5 — CRED’s “successful payment” ruined 20 years of perfect credit *2025-10-10* I made a payment to my HDFC credit card through CRED one day before the due date. The app showed the usual green-tick confirmation saying the payment was successful so naturally, I trusted it. What CRED conveniently did behind the scenes was silently refund my payment, claiming it “failed to reach” the bank without a single notification, email, or alert. I only discovered this after my credit card payment was marked late and my spotless 20-year credit record was damaged because of their failure. When I contacted CRED customer support, instead of owning up to their mistake, they arrogantly refused to acknowledge any fault, choosing instead to blame the bank for “not accepting the payment.” If the bank never received it, why did CRED’s own system show a “successful” confirmation and debit the amount from my account? This kind of deflection and lack of accountability is shocking for a company that handles financial transactions. Rather than investigating or taking ownership, their team was dismissive, robotic, and entirely unwilling to even admit that something went wrong on their end. Their behavior shows a complete absence of responsibility, transparency, or basic customer ethics. CRED’s silence, evasive responses, and refusal to take accountability make this entire experience feel like a scam wrapped in branding. If an app can’t guarantee that a “successful” payment is actually successful — or at least notify users when it isn’t — it has no business handling anyone’s money. This negligence cost me a flawless credit history built over two decades, and their utter lack of accountability made it worse. If you value your money or your credit score, stay far away from CRED. **Developer response:** Hi User, we make sure our valued members are not impacted in any way when it comes to unexpected or unseen delays with transactions. Kindly share your contact details with us at pearl@cred.club so that we can reach out and assist you further. ### 1/5 — Alarming Discrepancy in Electricity Bill Payment - CRED's Response Falls Short *2025-08-02, version 5.3.2* I'm writing to share my disappointing experience with CRED's electricity bill payment service. On [Date], I paid my electricity bill through CRED, but the amount reflected on the platform was incorrect. The bill amount on CRED showed ₹4996, whereas the actual bill from BESCOM was ₹2498. I raised a ticket and reached out to CRED's customer support, highlighting the integrity concern. To my surprise, the support team's response was that I should manually recheck all bills before paying through CRED. This response is alarming and unacceptable. As a bill payment platform, CRED's primary responsibility is to ensure accurate bill amounts. Their suggestion implies that users are responsible for verifying every bill, which defeats the purpose of using a convenient payment service. I'm concerned about the potential discrepancies in my past bill payments, including credit card bills and other utility bills. CRED's handling of this issue has been horrible, from the beginning to the end. ### 1/5 — Worst customer support *2025-03-14, version 5.0.2* Don't use cread and don't buy products from cred... Worst customer support. Worst product's. No proper return policy. Used products are delivered. I had ordered the product nexlev mattress vacuum cleaner on 11th Feb 2025, the product was delivered to me on 15 , as the product was defective and I created a return request on 18th Feb, but the product was not picked up by the pickup agent, and I called the customer service on the next day, they told me to wait for 48 hrs for the product to be picked up.. But no one came and picked the product. On 22 Feb the return window was closed.. and the customer service people had told me that by 28th the product will be picked. Again I called the customer service 3 more times on every 3 days apart. But every time these people in customer service had told me that they will resolve the problem and do the refund soon.. it's been a month for today and I finally called the customer service regarding the pickup of the product.. but what she told me is that the return window is closed and the product will never be picked up. And nothing can be done from their side... This was the response I got from the Soo called Customer support... Soo using cred is completely waste and many a times they do send damaged producs. I have got 4 damaged products which are non returnable.. and even the returnable products are also not picked up.. ### 1/5 — Poor Delivery Service and Lack of Accountability *2024-11-07, version 4.8.2* While Cred initially impressed me as a financial app, their move into product sales has been a letdown. I was excited to see big brands available, but my experience with Cred’s delivery process has been frustrating and disappointing. Orders routinely take over 10 days to arrive, and there seems to be no consistent tracking system or accountability for delays. Unlike other e-commerce platforms, Cred doesn’t seem to prioritize customer satisfaction in its delivery service. There’s minimal communication once an order is placed, and customer support isn’t very helpful when it comes to getting updates on delayed orders. I had hoped that Cred’s attention to detail with financial services would carry over to this new offering, but it feels like the delivery side of things lacks the quality and reliability one would expect. I hope Cred makes serious improvements to their logistics and establishes better communication with customers to provide updates on delayed orders. A faster, more reliable delivery service with real-time tracking would go a long way in restoring confidence in this service. ## Frequently asked questions about CRED ### 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. ## Version history (last 5 releases) ### 6.1.1 — 2026-09-02 anyone can wear the mask. not everyone can live up to it. the same goes for an app. anyone can release an update. only the ones with a better experience are remembered. the latest version of CRED is now live. -your friendly neighbourhood developers. ### 6.1.0 — 2026-08-27 anyone can wear the mask. not everyone can live up to it. the same goes for an app. anyone can release an update. only the ones with a better experience are remembered. the latest version of CRED is now live. -your friendly neighbourhood developers. ### 6.0.9 — 2026-08-14 anyone can wear the mask. not everyone can live up to it. the same goes for an app. anyone can release an update. only the ones with a better experience are remembered. the latest version of CRED is now live. -your friendly neighbourhood developers. ### 6.0.8 — 2026-08-05 every creator has a preferred medium. for Nolan, it was IMAX. for our engineers, it's your screen. each line of code in this upgrade is exactly as they intended. so every tap feels smoother, every payment faster, every flow more seamless. presenting the director's cut. now showing on your screen. ### 6.0.7 — 2026-07-31 every creator has a preferred medium. for Nolan, it was IMAX. for our engineers, it's your screen. each line of code in this upgrade is exactly as they intended. so every tap feels smoother, every payment faster, every flow more seamless. presenting the director's cut. now showing on your screen. ## More apps by Dreamplug - [Kuvera by CRED: Mutual Funds](https://appshunter.io/ios/app/kuvera-by-cred-mutual-funds/id1329701793) - [Prefr: Instant Personal Loan](https://appshunter.io/ios/app/prefr-instant-personal-loan/id6758143425) - [Circle Residents](https://appshunter.io/ios/app/circle-residents/id6760107214) - [Circle by CRED](https://appshunter.io/ios/app/circle-by-cred/id6760107537) All apps by Dreamplug: https://appshunter.io/developer/1428580079 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-03.*