How to Use Cred App
cashback on UPI, credit card & utility bills, money transfers, shopping & more
CRED is a members-only app for all payment experiences.
Trusted by over 14 million+ 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.
✔️ UPI Auto Pay: Enable UPI autopay for recurring bills.
✔️ 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.
✔️ 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
→ Check bank balance & credit score: Track your credit score report for better financial management
→ 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
Seize all aspects of personal finance 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, piped gas, water bill, municipal tax, etc.
Other Bills like Fastag recharge, insurance premium, loan repayment, etc. can also be made through the CRED money sending app.
More on credit scores:
▪️ Your credit score is an indicator of your financial behavior.
▪️ There are 4 credit bureaus in India - Experian, Equifax, CRIF & CIBIL.
▪️ A score of 700+ on CRIF & Experian is considered good.
▪️ CRED showcases your CRIF, Experian & Equifax credit scores, helping you track them individually.
▪️ Make bill payments on time with CRED to improve your credit score.
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.
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