CRED: Credit Cards, Bills, UPI

6.0.3.71

Dreamplug Technologies Private Limited

4.76

2,965,283 reviews

50,000,000+
Downloads

Free

earn rewards on credit card & UPI transactions, money transfers & bill payments

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CRED unifies credit card management, UPI payments, and bill payments in a reward-rich app. It combines membership perks with credit score tracking and smart spending insights to help you manage finances more effectively.

Pros & Cons

All-in-one platform for credit card management, UPI payments, and bill pay
Credit score tracking and spending insights
Exclusive rewards and member perks
Reminders and automation for timely bill payments

Fewer traditional banking features vs broader fintech wallets and loan platforms
Fewer explicit cashback/promotions compared with some competitors
Some features hinge on membership eligibility and lender partnerships

About CRED: Credit Cards, Bills, UPI

CRED: Credit Cards, Bills, UPI is a finance app developed by Dreamplug Technologies Private Limited.

Download Statistics

CRED: Credit Cards, Bills, UPI has been downloaded 69 million times. In the last 30 days, the app was downloaded 420 thousand times. It is ranked in the top 100 finance apps.

User Ratings

CRED: Credit Cards, Bills, UPI is rated 4.76 out of 5 stars. The rating is based on 3 million ratings.

App Information

CRED: Credit Cards, Bills, UPI is FREE to download. The APK download size is 236.94 MB. The latest version available is 6.0.3.71. The last update was on July 1, 2026.

Technical Requirements

CRED: Credit Cards, Bills, UPI requires Android 7.0+ or higher. The app has a content rating of Everyone. The app has been available on Google Play November 2018.

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.

More data about CRED: Credit Cards, Bills, UPI

Price	Free to download
Total downloads	69 million
Recent downloads	420 thousand
Rating	4.76 based on 3 million ratings
Ranking	Highly ranked
Version	6.0.3.71
APK size	236.9 MB
Number of libraries	67
Designed for Android	7.0+
Suitable for	Everyone
Ads	NO ads

App Performance Report

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Alternative downloads for the CRED: Credit Cards, Bills, UPI app

CRED: Credit Cards, Bills, UPI compared with similar apps

Common keywords of similar apps

Cred Limited Score Finance India Rent Send Repayment Member Lending Years Month Pvt Developers Members Financial Multiple Education Autopay Utility House Office Track Details Cibil Improve Idfc Dbs Acts Personal Bank Credit Bills Card Upi Pay Cards Payments Fees Rewards Money Bill App Loan Make Manage Recharge Earn Payment Online

Keywords missing from this app

Account Mobile Instant Digital Secure Banking Loans Transactions Interest Bhim Free Phonepe Accounts Experience Transfer Debit Gold Business Access Funds Apply Services Quick Transaction Number Offers Insurance Qr Easy Payzapp

Google Play Rating history and histogram

2.6M

190K

50K

8.3K

100K

Downloads over time

CRED: Credit Cards, Bills, UPI has been downloaded 69 million times. Over the past 30 days, it averaged 14 thousand downloads per day.

Changelog of CRED: Credit Cards, Bills, UPI

Show changelog

Developer information for Dreamplug Technologies Private Limited

Dreamplug Technologies Private Limited

feedback@cred.club

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Comments on CRED: Credit Cards, Bills, UPI for Android

★★★★★ Vishwanath Badiger · Jun 26, 2026

Hi Kunal Shah if you sell or merge Cred with meta/WhatsApp. I will stop using Cred. I will stop using any other products from your company. You came along way. Don't be a slave now.

★★★★☆ Animesh Shakya · Jun 23, 2026

Disappointing experience. No loan offers despite timely repayments. I took 2-3 loans from CRED and cleared all of them on time. It has been almost 2 years since closing them, but I haven't received a single new loan offer. Support only gives standard, unhelpful replies to wait. Despite an excellent repayment track record, I am getting zero offers. Very poor experience after being a loyal user.

★★★★★ Jasmini Nayak · Jun 26, 2026

The best aap I have ever used... My all-time solution is called Cred aap.... Thanx cred

★☆☆☆☆ Ankur Verma · Jun 26, 2026

Deleyed payment and no any reward and cashback, if you are playing for rewards it's giving you AI coupon which is not related to me.

★☆☆☆☆ jonathan mathews · Jun 26, 2026

I just want to use the app for UPI. I don't want to add a credit card

★☆☆☆☆ Ratnesh Kulkarni · Jun 29, 2026

Seriously I don't like this application at all... there is one section there are rewards... from the past few years I haven't received any type of reward from them... they just give 1% 2% 5% 10% cashback which is no one use.because of that coins are wasting... also it's not about me, I haven't seen in my entire life that anyone who wins any rewards from this reward section from cred application

Google Play Rankings for CRED: Credit Cards, Bills, UPI

Top rankings

Rank	Country	Category	List
71	India	Finance	Top Free

Show all market rankings

Ranking history in India

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Technologies used by CRED: Credit Cards, Bills, UPI

CRED: Credit Cards, Bills, UPI is requesting 35 permissions and is using 67 libraries.

Permissions

Development tools

test access to protected storage

Your personal information

read your contacts

Services that cost you money

send SMS messages

Your location

approximate (network-based) location, precise (GPS) location

Your messages

read your text messages (SMS or MMS), receive text messages (SMS)

Network communication

view network connections, view Wi-Fi connections, full network access, control Near Field Communication, receive data from Internet

Your accounts

read Google service configuration

Storage

modify or delete the contents of your USB storage

Phone calls

read phone status and identity, android.permission.READ_PRIVILEGED_PHONE_STATE

Hardware controls

take pictures and videos, change your audio settings, record audio, control vibration

System tools

run at startup, prevent phone from sleeping, install shortcuts

Extra

android.permission.ACCESS_ADSERVICES_AD_ID, android.permission.ACCESS_ADSERVICES_ATTRIBUTION, android.permission.FOREGROUND_SERVICE, android.permission.POST_NOTIFICATIONS, android.permission.QUERY_ALL_PACKAGES, android.permission.READ_BASIC_PHONE_STATE, android.permission.READ_PHONE_NUMBERS, android.permission.USE_BIOMETRIC, android.permission.USE_FINGERPRINT, com.dreamplug.androidapp.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION, com.google.android.finsky.permission.BIND_GET_INSTALL_REFERRER_SERVICE, com.google.android.gms.permission.AD_ID

Ad network libraries

AppsFlyer

Social libraries

None found

Development tools

Android Jetpack core

Android Architecture Components

Android Jetpack VersionedParcelable Android Jetpack Annotations Android Library Icon

Android Jetpack Annotations Firebase Android Library Icon

Firebase

Android Jetpack Widgets Android Jetpack AppCompat Android Library Icon

Android Jetpack AppCompat AndroidX Activity Android Library Icon

AndroidX Activity Android Jetpack Media Android Library Icon

Android Jetpack Media Google Cloud Messaging (GCM) Android Library Icon

Google Cloud Messaging (GCM) Kotlin Android Library Icon

Kotlin

AndroidX Legacy: Support Library core utils AndroidX App Startup Android Library Icon

AndroidX App Startup Google gson Android Library Icon

Google gson Android WorkManager Android Library Icon

Android WorkManager AndroidX Widget ViewPager2 Android Library Icon

AndroidX Widget ViewPager2 AndroidX Emoji / Emoji2 Android Library Icon

AndroidX Emoji / Emoji2 JetBrains Annotations Android Library Icon

JetBrains Annotations AndroidX Tracing Android Library Icon

AndroidX Tracing AndroidX Multi-Dex Library Android Library Icon

AndroidX Multi-Dex Library AndroidX ProfileInstaller Android Library Icon

AndroidX ProfileInstaller Chromium Android Library Icon

Chromium

Google ZXing Google Maps SDK Android Library Icon

Google Maps SDK Google Guava Android Library Icon

Google Guava Picasso Android Library Icon

Picasso

AndroidX WebKit ReactiveX Android Library Icon

ReactiveX

AndroidX Preference Google Protocol Buffers Android Library Icon

Google Protocol Buffers Jetpack DataStore Android Library Icon

Jetpack DataStore Jetpack WindowManager Android Library Icon

Jetpack WindowManager Jetpack Navigation Android Library Icon

Jetpack Navigation Lottie Android Library Icon

Lottie

Volley

Kotlinx Serialization Android Library Icon

Kotlinx Serialization Jetpack Compose Android Library Icon

Jetpack Compose AndroidX Biometric Android Library Icon

AndroidX Biometric FasterXML Jackson Android Library Icon

FasterXML Jackson Grpc Android Library Icon

Grpc

Coil

Apache Commons Codec CameraX Android Library Icon

CameraX

Flutter

AndroidX Media3 (ExoPlayer) Moshi Android Library Icon

Moshi

Sentry

The Legion of the Bouncy Castle ReLinker Android Library Icon

ReLinker

AndroidX Credentials Nimbus JOSE + JWT Android Library Icon

Nimbus JOSE + JWT JUnit Android Library Icon

JUnit

Ktor

RootBeer

Flutter Community Plus Plugins Android Library Icon

Flutter Community Plus Plugins Apache Commons Logging Android Library Icon

Apache Commons Logging Amplitude Android Library Icon

Amplitude

json-smart mixpanel Android Library Icon

mixpanel

kotlinx-datetime Objenesis Android Library Icon

Objenesis

AspectJ

sqflite

Datadog

Kronos

Cash App OSS

Trust & Safety: CRED handles sensitive financial data and requests a broad set of permissions typical for finance apps. The app emphasizes data protection, noting that every credit information is encrypted, monitored, and protected. For safety concerns, users can contact the Grievance Officer at grievanceofficer@cred.club.

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