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CRED

Indian members-only app for paying credit card bills, UPI payments and earning rewards.

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Updated · AppBreakup editorial · Android, iOS

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Is CRED free?

Yes, free to use

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Verified facts
4 of 4
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About CRED

CRED is an Indian app built around credit card owners. Membership requires a credit score of 750 or above, and once in, you can pay bills for cards from most major Indian banks, get due-date reminders, spot hidden fees and track your spending. Each payment earns CRED coins and cashback that can be spent on partner brands and offers. Over time CRED has added UPI: you can scan any UPI QR code, send money to people on other UPI apps, link RuPay credit cards to UPI, and tap to pay. It also shows your CIBIL credit score at no cost and offers products such as personal loans (CRED cash), rent and bill payments, and a car-management section. The app is free to use and makes money from partners and financial products. It's available on Android and iOS for people with an Indian mobile number. The rewards side is the main draw; people who just want simple UPI transfers may find it heavier than they need.

Best for: Indian credit card holders with good credit who want bill reminders and rewards on payments.

Pros and cons

What works

  • Pays credit card bills for most major Indian banks in one place
  • Free credit score checks via CIBIL
  • Rewards and cashback on bill and UPI payments

Why people leave

  • Requires a credit score of 750 or more to join
  • Rewards are mostly partner offers rather than plain cash
  • Mobile only, and only for Indian mobile numbers

CRED vs Google Pay and MobiKwik

From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.

AttributeCREDGoogle PayMobiKwik
PricingFreeFreeFree
Verified price———
Free planFree appFree appFree app
Open sourceNoNoNo
Self-hostableNoNoNo
PlatformsAndroid, iOSAndroid, iOSAndroid, iOS, Web

Full CRED vs Google Pay comparison

Top CRED alternatives

See all 2
  1. 1Google Pay logo
    Google Pay

    Simpler UPI app with scratch-card rewards and no credit score requirement.

    64.8
  2. 2Mo
    MobiKwik

    Pays card bills and UPI from a wallet, without a credit score bar to join.

    61.8

Why people left CRED

In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.

No switching stories yet. If you moved away from CRED, review the app you switched to and tell us why.

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CRED: common questions

What is CRED?

CRED: Indian members-only app for paying credit card bills, UPI payments and earning rewards. Best for indian credit card holders with good credit who want bill reminders and rewards on payments. Available for Android and iOS.

Is CRED free?

Yes, CRED is free to use.

Is CRED open source?

No, CRED is not open source.

What platforms does CRED run on?

CRED is available for Android and iOS.

What are the best alternatives to CRED?

The highest-ranked CRED alternatives right now are Google Pay and MobiKwik. See the full ranked list for pricing, platforms and verified facts.

CRED vs Google Pay: what's the difference?

Both CRED and Google Pay are free to use. Both run on Android and iOS.

See all 2 CRED alternatives