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CRED is a members-only app for all payment experiences.
Trusted by over 1.4 crore+ creditworthy members, CRED rewards you for the payments & 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, with CRED pay.
→ Offline payments: Scan QR codes or activate Tap to Pay for contactless payments.
→ Pay anyone: Send money to anyone through CRED, even if the recipient uses BHIM UPI, PhonePe, GPay or any other UPI app.
→ Transfer money to bank accounts: Send rent or education fees from your credit card.
→ UPI Auto Pay: 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 payment 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, landline, cable TV, etc.
→ Utility Bills: Electricity bills, LPG cylinder, water bill, 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 → Fill your name, mobile number & email ID → Get a free credit score report
→ If your credit score is 750+, you will get a prompt to verify your credit card details.

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 with CRED
→ 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, AMEX, 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 ₹2,00,00,000
• Repayment Tenure: 1 Month to 72 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%

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 Ltd, Newtap Finance Pvt. Ltd, L&T Finance Ltd, YES BANK Limited, DSP Finance Pvt Ltd, Aditya Birla Capital Ltd.

Have things on your mind? Don’t keep it to yourself. 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 is a members-only app for all payment experiences.
Trusted by over 1.4 crore+ creditworthy members, CRED rewards you for the payments & 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, with CRED pay.
→ Offline payments: Scan QR codes or activate Tap to Pay for contactless payments.
→ Pay anyone: Send money to anyone through CRED, even if the recipient uses BHIM UPI, PhonePe, GPay or any other UPI app.
→ Transfer money to bank accounts: Send rent or education fees from your credit card.
→ UPI Auto Pay: 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 payment 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, landline, cable TV, etc.
→ Utility Bills: Electricity bills, LPG cylinder, water bill, 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 → Fill your name, mobile number & email ID → Get a free credit score report
→ If your credit score is 750+, you will get a prompt to verify your credit card details.

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 with CRED
→ 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, AMEX, 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 ₹2,00,00,000
• Repayment Tenure: 1 Month to 72 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%

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 Ltd, Newtap Finance Pvt. Ltd, L&T Finance Ltd, YES BANK Limited, DSP Finance Pvt Ltd, Aditya Birla Capital Ltd.

Have things on your mind? Don’t keep it to yourself. 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 is a members-only app for all payment experiences.
Trusted by over 1.4 crore+ 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.
→ 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.
→ UPI Auto Pay: 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 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 for better control over your personal finance.
→ Check bank balance & credit score: Track your credit score report
→ 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

Upgrade your lifestyle 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, water bill, municipal tax, piped gas bill payment online, etc.
Other Bills like Fastag recharge, insurance premium, loan repayment, etc. can also be made through the CRED money sending app.

How to be a CRED member?

→ CRED is built to reward creditworthy individuals. To become a CRED member, you need a credit score of 750+.
→ The process is simple → Download CRED → Fill your name, mobile number & email ID → Get a free credit score report
→ If your credit score is 750+, you will get a prompt to verify credit card details

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.

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.

Contact us

Have things on your mind? Don't keep it to yourself. Contact us at feedback@cred.club.

Do a UPI money transfer, clear all your bills, improve your credit score & earn rewards with CRED. Download Now.

CRED is a members-only app for all payment experiences.
Trusted by over 1.4 crore+ 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.
→ 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.
→ UPI Auto Pay: 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 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 for better control over your personal finance.
→ Check bank balance & credit score: Track your credit score report
→ 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

Upgrade your lifestyle 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, water bill, municipal tax, piped gas bill payment online, etc.
Other Bills like Fastag recharge, insurance premium, loan repayment, etc. can also be made through the CRED money sending app.

How to be a CRED member?

→ CRED is built to reward creditworthy individuals. To become a CRED member, you need a credit score of 750+.
→ The process is simple → Download CRED → Fill your name, mobile number & email ID → Get a free credit score report
→ If your credit score is 750+, you will get a prompt to verify credit card details

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.

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.

Contact us

Have things on your mind? Don't keep it to yourself. Contact us at feedback@cred.club.

Do a UPI money transfer, clear all your bills, improve your credit score & earn rewards with CRED. Download Now.

CRED is a members-only app for all payment experiences.
Trusted by over 1.4 crore+ 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.
→ 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.
→ UPI Auto Pay: 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 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 for better control over your personal finance.
→ Check bank balance & credit score: Track your credit score report
→ 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

Upgrade your lifestyle 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, water bill, municipal tax, piped gas bill payment online, etc.
Other Bills like Fastag recharge, insurance premium, loan repayment, etc. can also be made through the CRED money sending app.

How to be a CRED member?

→ CRED is built to reward creditworthy individuals. To become a CRED member, you need a credit score of 750+.
→ The process is simple → Download CRED → Fill your name, mobile number & email ID → Get a free credit score report
→ If your credit score is 750+, you will get a prompt to verify credit card details

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.

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.

Contact us

Have things on your mind? Don't keep it to yourself. Contact us at feedback@cred.club.

Do a UPI money transfer, clear all your bills, improve your credit score & earn rewards with CRED. Download Now.