CRED: Credit Cards, Bills, UPI

6.1.0.124

Dreamplug Technologies Private Limited

4.74

2,977,819 reviews

50,000,000+
Downloads

Free

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

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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 70 million times. In the last 30 days, the app was downloaded 630 thousand times. It is ranked in the top 100 finance apps.

User Ratings

CRED: Credit Cards, Bills, UPI is rated 4.74 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 252.69 MB. The latest version available is 6.1.0.124. The last update was on August 25, 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.

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 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 - 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, & 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, NDX P2P Pvt. Ltd (P2P), Newtap Finance Pvt. Ltd, Poonawalla Fincorp Ltd, Respo Financial Capital Pvt. Ltd, Vivriti Capital Pvt. Ltd, Whizdm Finance Private 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.

Recent changes:
anyone can wear the mask.
not everyone can live up to it.

the same goes for an app.

anyone can release an update.
only the ones with a better experience are remembered.

the latest version of CRED is now live.

-your friendly neighbourhood developers.

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More data about CRED: Credit Cards, Bills, UPI

Price	Free to download
Total downloads	70 million
Recent downloads	630 thousand
Rating	4.74 based on 3 million ratings
Ranking	Highly ranked
Version	6.1.0.124
APK size	252.7 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 Private Pvt Members Financial Education Autopay Utility House Office Details Cibil Improve Axis Idfc Dbs Acts Eligibility Criteria Bank Credit Bills Upi Pay Card App Cards Payments Fees Rewards Money Bill Loan Make Manage Recharge Earn Payment Online Track

Keywords missing from this app

Account Mobile Instant Secure Digital Bhim Loans Free Transactions Interest Experience Phonepe Insurance Transaction Qr Quick Debit Number Funds Emi Offers Business Access Fee Gold Transfer Payzapp Multiple Personal

Google Play Rating history and histogram

Rating history

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2.6M

190K

49K

7.5K

120K

Downloads over time

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CRED: Credit Cards, Bills, UPI has been downloaded 70 million times. Over the past 30 days, it averaged 21 thousand downloads per day.

Changelog of CRED: Credit Cards, Bills, UPI

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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

★★★★★ Sanyam Jangada · Aug 20, 2026

Great app for credit card bill payments, Upi payments!💯💯💯

★★★★★ vikas bindal · Aug 24, 2026

I’ve been using CRED for the last 7 years, and it has genuinely become one of those apps I’ve grown to rely on for managing my credit cards and payments. What I’ve liked most over the years is the clean interface, timely payment reminders, easy bill payments, and the overall premium experience. The rewards and CRED Coins are a nice bonus, and the app has consistently made managing multiple credit cards much more convenient.

★☆☆☆☆ Sonu Kumar · Sep 3, 2026

Upi payment cashback offers not received check karke bat ate hai yohi sahi hai phir check karke bat ate hain to get a chance to get a chance to meet with check karke bat ate hai sir ko online me know when you

★☆☆☆☆ Don · Aug 15, 2026

It is still a Great app for tracking credit card bills and for making UPI transactions. But in the name of rewards, it is now selling credit cards and insurance. Every bill payment is a trap to get cred protect subscription. There is no Friday specials anymore. There is no longer any rewards on credit card payment. And now the credit card bill payment is even not working.

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

Top rankings

Rank	Country	Category	List
81	India	Finance	Top Free

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Ranking history in India

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Technologies used by CRED: Credit Cards, Bills, UPI

35 permissions · 67 libraries

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More apps

CRED: Credit Cards, Bills, UPI

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

About CRED: Credit Cards, Bills, UPI

Download Statistics

User Ratings

App Information

Technical Requirements

More data about CRED: Credit Cards, Bills, UPI

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

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

Common keywords of similar apps

Keywords missing from this app

Most downloaded similar apps (16)

More from Dreamplug Technologies Private Limited

Google Play Rating history and histogram

Downloads over time

Changelog of CRED: Credit Cards, Bills, UPI

Developer information for Dreamplug Technologies Private Limited

Share CRED: Credit Cards, Bills, UPI

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

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

Top rankings

Ranking history in India

Technologies used by CRED: Credit Cards, Bills, UPI