Best Cred Upi Apps

212+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated May 2026

The best cred upi apps on iPhone average 4.5★ across 212+ titles — we've ranked them by what real users actually keep on their phones. Updated May 2026.

Top Picks for Cred Upi

PhonePe: Secure Payments App#1

PhonePe: Secure Payments App by PHONEPE PRIVATE LIMITED

UPI, Recharges, Bills Payments
Editor's Choice
💰 Finance
4.8😐(159K ratings)
FreeAds
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PhonePe: Secure Payments App screenshot 6

A versatile payments app offering BHIM UPI, bill payments, recharges, and more. Seamlessly manage transactions and investments in one place. Download now for secure and convenient financial management.

What We Love

  • 🚀 Instant payments
  • 👍 User-friendly interface
  • 🔒 Secure transactions
  • 💡 Diverse payment options

Room to Improve

  • 🐛 Transactions failing or pending
  • 🔍 Lack of customer support
  • 🔍 Difficult to resolve issues
cred.ai#2

cred.ai by CRED Technologies LLC

you’re better than your bank™
Strong Contender
💰 Finance
4.8😐(6.4K ratings)
FreeAds
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This app provides a high-tech, premium everyday card spending experience that guarantees no fees or interest. With cutting-edge technology, users can manage their credit, spend their paycheck early, and enjoy 24/7 support and real-time control. Apply without impacting your FICO score - it's like having a personal financial assistant in your pocket.

What We Love

  • 🚀 Builds credit without debt
  • 🔒 Secure with stealth card feature
  • 👍 Convenient and easy to use
  • 💡 Innovative credit-building approach

Room to Improve

  • 🐛 Unreliable customer service
  • 🤔 Inconvenient for some transactions
  • 🕰️ Slow fund transfers
HDFC Bank App: Banking & Cards#3

HDFC Bank App: Banking & Cards by HDFC Bank Ltd

App being gradually introduced
Worth Considering
💰 Finance
4.8😞(10K ratings)
Free
HDFC Bank App: Banking & Cards screenshot 1
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HDFC Bank App: Banking & Cards screenshot 6

Get a personalized, secure, and seamless banking experience at your fingertips with our new app. Download now and enjoy a tailored banking experience with features like fast and secure login, holistic account overview, and effortless loan applications.

What We Love

  • 🚀 Smooth UI/UX transitions
  • 🚀 Intuitive app flow
  • 🚀 Minimal API call time
  • 👍 Modern and visually appealing interface

Room to Improve

  • 🐛 Registration fails for overseas customers
  • 🐛 SMS verification issues for international users
  • 🐛 Inconsistent font sizes and cluttered UI

More Cred Upi apps to explore

4
Paytm: Secure UPI Payments
Paytm: Secure UPI Payments
Paytm: Secure UPI Payments
UPI, Recharge & Pay Bills
Free

A secure mobile app for easy BHIM UPI payments and mobile recharges. Conveniently send money, pay bills, and recharge your mobile phone with peace of mind. Simplify your transactions today!

💰 Finance
(39K)
5
BHIM Bharat's Own Payments App
BHIM Bharat's Own Payments App
BHIM Bharat's Own Payments App
Bharat Interface for Money
Free

"BHIM – Making India Cashless" is a UPI-enabled initiative called Bharat Interface for Money, designed to facilitate safe and easy digital transactions. Join the movement towards a cashless India today!

💰 Finance
(1.4K)
6
Threads
Threads
Threads
Join the conversation
Free

An app that facilitates the sharing of ideas through visual content similar to Instagram, allowing users to connect and inspire each other. Join now to start exploring and engaging with a community of creative minds!

🌐 Social Networking
(2M)
7
Flipkart - Online Shopping App
Flipkart - Online Shopping App
Flipkart - Online Shopping App
by Flipkart Internet Private Limited
Free

Discover a diverse range of products from fashion to electronics with discounts, rewards, and personalized shopping experiences on this all-in-one shopping app. Update now to explore new trends, personalized recommendations, and convenient features tailored for an enhanced shopping experience.

🛍️ Shopping
(102K)
8
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
Loans, Cards, Payment & FASTag
Free

Access a comprehensive financial management solution in the palm of your hand with this app. From loans to cards and payments, streamline your banking experience seamlessly.

💰 Finance
(63K)
9
slice: UPI credit card & bank
slice: UPI credit card & bank
slice: UPI credit card & bank
A new bank, for a new India
Free

This banking application offers a range of services, including zero-balance digital savings accounts with daily interest, fixed deposits with high interest rates, and instant personal loans up to ₹5 lakhs. It also enables fast UPI payments, automated bill payments, and real-time spend tracking with complete security, allowing users to take control of their finances with smarter banking.

💰 Finance
(190)
10
PayZapp UPI, Pixel Credit Card
PayZapp UPI, Pixel Credit Card
PayZapp UPI, Pixel Credit Card
Bill Payment, Recharge, Wallet
Free

A versatile financial app offering Bill Payment, Recharge, Wallet services along with Pixel Credit Card and UPI features like scanning QR codes, sending money to contacts, and linking cards. Take control of your finances effortlessly!

💰 Finance
(1.2K)
11
Airtel App: Recharge & Bank
Airtel App: Recharge & Bank
Airtel App: Recharge & Bank
Bill Payment, Recharges, UPI
Free

A comprehensive rewards and recharge app, easily managing all your Airtel services in one place. Simplifying bill payments, offering exclusive rewards, and providing personalized suggestions for a seamless user experience. Download now to streamline your Airtel experience.

🌟 Lifestyle
(2.3K)
12
Jupiter: Cards, UPI, Banking
Jupiter: Cards, UPI, Banking
Jupiter: Cards, UPI, Banking
Save & Invest
Free

Facilitating seamless digital transactions, this app offers a user-friendly platform for instant money transfers, bill payments, and mobile recharges. Experience hassle-free banking at your fingertips.

💰 Finance
(325)
13
YONO SBI:Banking and Lifestyle
YONO SBI:Banking and Lifestyle
YONO SBI:Banking and Lifestyle
Bank,Invest,Shop,Travel
Free

A versatile mobile application that combines banking, shopping, travel booking, bill payments, investments, and more in one place. Download the app for a seamless user experience and convenient access to a wide range of SBI services and features.

💰 Finance
(2.9K)
14
MyJio: For Everything Jio
MyJio: For Everything Jio
MyJio: For Everything Jio
Recharge, shopping & more
Free

An all-in-one app for Jio users to conveniently recharge, shop, and manage services. Experience seamless access to exclusive offers and services through a single platform. Download now for easy and efficient management of all your Jio needs.

📊 Productivity
(29K)
15
BHIM SBIPay
BHIM SBIPay
BHIM SBIPay
by State Bank of India
Free
💰 Finance
(97)
16
IRIS by YES BANK - Mobile App
IRIS by YES BANK - Mobile App
IRIS by YES BANK - Mobile App
by Yes Bank Limited
Free

Discover the world of financial ease with iris by YES BANK, a mobile banking app offering 100+ unique features for simplified banking. Enjoy one-tap payments, secure biometric login, free credit score checks, SIM binding for protection, and seamless fund transfers. Download now for a fast and secure online banking experience 24x7.

💰 Finance
(525)
17
SBI Card: Manage Credit Card
SBI Card: Manage Credit Card
SBI Card: Manage Credit Card
Apply Online, Shop, Pay in EMI
Free

Manage your SBI credit card effortlessly with our user-friendly application. Track expenses, make payments, set alerts, and enjoy convenient banking on the go. Download now!

💰 Finance
(245)
18
Google Chrome
Google Chrome
Google Chrome
Rapide et sécurisé, par Google
Free

A lightning-fast web browser designed for seamless internet browsing across various devices. Experience an efficient and user-friendly way to explore the web – download now for faster browsing!

🔧 Utilities
(220K)
19
Skrill - Pay & Transfer Money
Skrill - Pay & Transfer Money
Skrill - Pay & Transfer Money
Fast, secure online payments
Free

A secure mobile payment app that allows users to effortlessly send and receive money, pay for purchases, and manage their finances on the go. Simplify your transactions with Skrill – download now!

💰 Finance
(23K)
20
Chime® – Mobile Banking
Chime® – Mobile Banking
Chime® – Mobile Banking
Save, Spend, Build Credit
Free

A banking app that offers security features, fee-free overdraft up to $200, early direct deposit, no monthly fees, and the ability to build credit through on-time payments. Trusted by millions, Chime also allows easy money transfers with no fees. Discover a new way to manage your finances and build credit.

💰 Finance
(1.5M)