---
title: "CRED: Credit Cards, Bills, UPI - Reviews, Revenue and Downloads in India | Apple App Store"
description: "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? → "
---

# CRED: Credit Cards, Bills, UPI — India
> Credit Card Bill Payment & UPI

![CRED App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/a9/c6/05/a9c6051f-63c0-92e7-f212-6986959e3795/AppIcon-0-0-1x_U007emarketing-0-11-0-sRGB-85-220.png/434x0w.png)

**Developer:** [Dreamplug Technologies Private](https://apptail.io/developer/dreamplug-technologies-private-AkS)
**Category:** Finance
**Rating:** 4.8/5 (596,480 ratings)
**Price:** Free
**Bundle ID:** com.dreamplug.cred
**Store:** Apple App Store
**Country:** India
**Version:** 5.8.3 (released 2026-05-31)
**Original Release:** 2018-11-28
**Languages:** English

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/in/app/app/id1428580080)
**AppTail Page:** [https://apptail.io/app/cred-credit-cards-bills-upi-wTQ/india](https://apptail.io/app/cred-credit-cards-bills-upi-wTQ/india)

## CRED Description
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 UPI autopay for recurring bills.
→  Pay bills: Pay utility bills, credit card bills, DTH bills, mobile recharge, house/office 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 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, 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 Limited, Crédit Saison - Kisetsu Saison Finance (India) Private Limited, Liquiloans - NDX P2P Private Limited, Vivriti Capital Pvt Ltd, DBS Bank India Limited, Newtap Finance Pvt. Ltd, L&T Finance Limited, YES BANK Limited, DSP Finance Pvt Limited, Poonawalla Fincorp Limited, KrazyBee Services Limited.

Have things on your mind? Contact us at feedback@cred.club.

Grievance Officer: Atul Kumar Patro
grievanceofficer@cred.club 

Send money via UPI, clear all your bills, improve your credit score & earn rewards with CRED. Download now.

## CRED Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/4d/99/ff/4d99ff54-6f45-3439-4735-7edd0bad7e01/1_1242_x_2688.png/1242x2688.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/62/ec/44/62ec44c4-00be-2933-51ec-de2bbb82e741/2_1242_x_2688.png/1242x2688.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/9b/ae/67/9bae67dd-7182-9791-d6a7-498545cc4f73/3_1242_x_2688.png/1242x2688.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/24/73/15/247315a2-44fc-977c-e62b-78ef54231937/4_1242_x_2688.png/1242x2688.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/70/fb/ad/70fbad03-eef9-7fdf-ebd0-4da1581c2f41/5_1242_x_2688.png/1242x2688.png)
- [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/cd/04/fa/cd04fa22-8e5f-7029-9238-e15c4881b397/6_1242_x_2688.png/1242x2688.png)
- [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/34/cb/61/34cb618b-e52a-8dbb-01e1-3a55ae060d77/7_1242_x_2688.png/1242x2688.png)

## CRED Rating Breakdown in India
- 5 stars: 542,751 (91%)
- 4 stars: 36,006 (6%)
- 3 stars: 5,164 (1%)
- 2 stars: 2,092 (0%)
- 1 stars: 10,467 (2%)

## CRED Reviews in India

### *---- "Wasting time in silly deals"
They offer silly deals in turn of cred coins which in turn has nothing in value

Even after spending thousands of coins deals are cheaper elsewhere
-- Hurman Singh, 2025-01-01

### *---- "Worst app in terms of services and offers"
It attracts you by stating amazing offers but everytime you will find hidden terms and conditions. So actually don’t get anything as an offer. It fools you badly. Data privacy is also a big concern with this app. It collects lots of information of you also.
-- Prateekbhargava, 2025-01-01

### *---- "Too much too slow animation"
Slowing turning into trash pile
Not able to pay Amex or other cc payments
-- Romal jaiswal, 2024-12-31

### *---- "Useless app"
Just a useless app, no cashback n all
-- Swapnil012, 2024-12-31

### ***-- "CRED RUPAY CC"
SBI RUPAY card is not taken for paying using QR code. Add all RUPAY variants. Also rewards are not good. Give someways to convert the CRED COINS TO redeem for vouchers or cash back
-- Abhijith_Bhagavath, 2024-12-30

### ***** "Great experience"
Great experience
-- jogividana, 2024-12-30

### *---- "Fraud"
This is fraud app
-- ALP ABHISHEK, 2024-12-29

### *---- "Worst experience with CRED payments"
Recently I did payment for gas utility and no booking made at biller end. After providing all the documents CRED team not providing the booking or amount.
-- BalakumarTK, 2024-12-29

### **--- "Shopping Experience"
Dear Cred Team,

I hope this message finds you well. Overall, I am very satisfied with your app, but I would like to suggest adding a search functionality within the Shopping category. I often find it time-consuming to browse through products, and having a search option would greatly enhance the user experience.

Thank you for considering this suggestion.

Best regards,
-- Ryr010, 2024-12-28

### *---- "Useless app"
I dont see any use of this app. We have gpay, paytm, phonepe
-- Abhisek:::::::, 2024-12-28

[View all CRED reviews and detailed analytics on AppTail](https://apptail.io/account/signup?utm_campaign=ai-crawl&utm_content=reviews)


## CRED Store Rankings
| Chart | Country | Category | Rank |
|-------|---------|----------|------|
| Top Free | India | Finance | #21 |
| Top Free | India | Overall | #180 |

## CRED Discovered Keywords
- thescore
- imobile pay
- card
- payzapp
- payments
- financely
- onecard
- score! match
- cwmoney
- ducard

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