CRED: Credit Cards, Bills, UPI

CRED: Credit Cards, Bills, UPI

UPI payments, made rewarding

597K ratings
113 reviews
Free
With Ads

Details

  • Released
  • Updated
  • November 28, 2018
  • July 11, 2026
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
CRED: Credit Cards, Bills, UPI screenshot #8 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

6.0.4

July 11, 2026

the one wish willow grants exactly one wish. that feels unnecessarily restrictive. so this release comes with a few: faster UI. fewer glitches. smoother movement. fixes where fixes were due. this update exists to approve multiple wishes at once. experience a healthier kind of obsession, abundance.

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User reviews

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.

Not worth for high users of Credit Card

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.
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No customer support

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
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Response from developer

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.

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.