CRED: Credit Cards, Bills, UPI

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.
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 with 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 LTD, 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 yrs
* Annual household income: ₹3,00,000
* Should be a resident of India
* Loan Amount: ₹100 to ₹20,00,000
* Repayment Tenure: 1-84 Months

Loan against mutual fund eligibility criteria:
* Age: 18-65 yrs, 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 yrs 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, & KFS terms.

Lending partners on CRED:
Aditya Birla Capital Ltd, Axis Bank Ltd, DBS Bank India Ltd, DMI Finance Ltd, DSP Finance Pvt. Ltd, IDFC First Bank Ltd, Kisetsu Saison Finance (India) Pvt. Ltd, KrazyBee Services Ltd, L&T Finance Ltd, Newtap Finance Pvt. Ltd, Oxyzo Financial Services Ltd, Poonawalla Fincorp Ltd, Respo Financial Capital Pvt. Ltd, Si Creva Capital Services Pvt Ltd, Vivriti Capital Pvt. Ltd, Whizdm Finance Pvt Ltd, YES BANK 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.

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