Elevate Your Credit Experience
Manage credit cards, earn exclusive rewards, and build your credit score—all in one elegant app.
Trusted by over 9 million members
+900K reviews
Premium Card
CRED Black
Rewards
15,000+
Cashback
Up to 5%
Credit Score
750+
Upgrade Your Credit Game
Experience a seamless credit management journey with premium features designed for the modern cardholder.
Smart Bill Payments
Never miss a due date again. Schedule automatic payments and get timely reminders.
- Automatic reminders
- On-time payment rewards
- Secure payment processing
Exclusive Rewards
Unlock premium offers, cashbacks, and deals from top brands as you spend.
- Premium brand partnerships
- Personalized reward options
- Early access to sales
Credit Score Tracker
Monitor your credit score in real-time and receive personalized improvement tips.
- Monthly score updates
- Personalized improvement tips
- Credit health monitoring
Photo by Neon Wang
Experience The CRED Ecosystem
Join an exclusive community of premium credit card holders who enjoy privileges beyond just payments.
Exclusive Member Community
Connect with like-minded individuals at curated events and experiences.
Premium Lifestyle Access
Enjoy priority access to high-end restaurants, luxury stays, and premium services.
Enhanced Security
Rest easy with state-of-the-art security features and fraud protection.
Rewards That Matter
Turn your credit card payments into exclusive privileges and experiences.
Premium Shopping
Access exclusive deals and discounts at over 1500+ premium brands and retailers worldwide.
Luxury Dining
Skip waitlists and enjoy complimentary privileges at top-rated restaurants and fine dining establishments.
Unforgettable Experiences
Access invitation-only events, concerts, sports matches, and curated experiences across the globe.
CRED Select Rewards
Unlock premium rewards reserved for the top 1% of cardholders. Pay your credit card bills on time to level up.
₹15,400
₹8,750
Platinum
Photo by Ben Rosett
Join over 9 million members already enjoying exclusive CRED rewards
Download CREDKnow Your Credit Score
Track, understand, and improve your credit score with personalized insights and recommendations.
Instant Score Access
View your credit score immediately with monthly updates and track your progress over time.
Credit Score Factors
Understand the key factors affecting your score with detailed breakdown and analysis.
Personalized Recommendations
Get tailored advice to improve your score and enhance your financial health.
CRED members gain an average of
+35 points
Within just 6 months of joining the CRED community
Your Credit Score
Payment History
100%
Credit Utilization
23%
Account Age
6.2 yrs
Credit Mix
Excellent
Photo by Hunters Race
What Members Say
"I improved my credit score by 72 points in just 4 months using CRED's personalized insights."
Arjun P.
Member since 2021
"The credit score dashboard gives me actionable tips that actually worked to boost my score."
Priya M.
Member since 2022
"CRED's credit score monitoring helped me qualify for a much better mortgage rate. Worth every penny!"
Vishal S.
Member since 2020
Exclusive CRED Membership
Join India's most trusted community of creditworthy individuals.
1 CRED Basic
The essential CRED experience for credit card management and basic rewards.
- Credit card bill payments
- Credit score monitoring
- Standard rewards & cashbacks
Free
2 CRED Prime
Enhanced benefits with premium rewards and exclusive partner offers.
- All Basic features
- Premium merchant offers
- 2x rewards on all transactions
- Priority customer support
₹999/year
3 CRED Elite
The ultimate CRED experience with VIP treatment and exclusive privileges.
- All Prime features
- VIP event access
- Dedicated relationship manager
- 3x rewards & premium airport lounge access
₹4,999/year
CRED Member Benefits
- Access to exclusive events and member-only experiences
- Special offers at 5000+ premium partner brands
- Personalized financial insights and credit guidance
Photo by Ben Rosett
9M+
Active Members
97%
Member Satisfaction
₹8500 Cr+
Bills Paid Monthly
Frequently Asked Questions
What Our Members Say
Join over 9 million satisfied members who trust CRED with their credit.
"CRED has completely transformed how I manage my credit cards. The rewards are incredible, and I love the sleek interface."
Earned ₹12,500 in cashbacks last quarter
Ananya Sharma
Member since 2021
"The premium experiences offered by CRED are unmatched. From luxury dining to exclusive events, it's truly worth every penny."
Attended 5 members-only events this year
Rohan Mehta
Member since 2020
"My credit score has improved by 67 points since joining CRED. The financial insights and recommendations are incredibly helpful."
Credit score increased from 720 to 787
Priya Nair
Member since 2022
98%
Satisfaction Rate
9M+
Members
4.8/5
App Store Rating
₹200Cr+
Rewards Redeemed
CRED is a game-changer for credit card users. Not only do I manage all my cards in one place, but the rewards I've earned have paid for my annual vacations!
I've recommended CRED to all my colleagues and family members. It's truly an app that keeps on giving.
Vikram Malhotra
Elite Member since 2019
Elite Member Achievement
Total Rewards Earned
₹95,750
Premium Events Attended
23
Credit Score Improvement
+85 points
Member Since: August 2019
Join the CRED Community Today
Become a part of India's most trusted community for credit card management and exclusive rewards.
Download CRED NowPremium Brand Partners
Access exclusive offers and experiences from India's most prestigious brands.
Unlock Luxury Experiences
CRED partners with 5000+ premium brands to bring you exclusive privileges that match your lifestyle.
Premium Shopping
Exclusive discounts on luxury fashion, electronics, and lifestyle products.
Fine Dining
Special privileges at top-rated restaurants with priority reservations and chef's tables.
Premium Travel
Luxury hotel upgrades, lounge access, and curated vacation packages.
CRED Partner Privileges
Access premium offers from our partner network with your CRED membership.
5000+
300+
Members Only
Photo by Austin Distel
Our Featured Partners
Retail & Lifestyle
Top fashion brands, electronics, home decor, and luxury goods.
250+ partners
Food & Dining
Michelin-star restaurants, cafes, gourmet food delivery, and more.
180+ partners
Travel & Hospitality
Luxury hotels, airlines, vacation packages, and premium experiences.
120+ partners
Working with CRED has been transformative for our brand. Their members are exactly our target audience - premium customers with high spending capacity and appreciation for quality.
The engagement rates we've seen through CRED have been consistently higher than any other platform we've partnered with.
Rahul Sharma
Marketing Director, Luxury Retail Partner
Become a CRED Partner
Join our exclusive network and reach India's most premium audience with high spending power.
Frequently Asked Questions
Find answers to the most common questions about CRED.
CRED is an exclusive credit card bill payment platform that rewards members for paying their credit card bills on time. Members earn CRED coins which can be redeemed for premium rewards, cashbacks, and exclusive experiences.
CRED is exclusively available for individuals with a credit score of 750 or higher. You can download the app and apply for membership. Your credit score will be verified during the onboarding process.
Yes, the basic CRED membership is free. We also offer premium membership tiers (CRED Prime and CRED Elite) with enhanced benefits and exclusive privileges for an annual fee.
CRED coins are earned when you pay your credit card bills through the app. These coins can be redeemed for exclusive rewards, cashbacks, and premium experiences from our partner brands in the CRED store.
Absolutely. CRED employs bank-grade security with 256-bit encryption to ensure your data is always protected. We never share your personal information with third parties without your explicit consent.
Photo by Ben Rosett
Still have questions?
Our support team is available 24/7 to assist you with any queries or concerns you might have.
CRED helps you make timely credit card payments, which is a key factor in maintaining a good credit score. We also provide personalized insights and recommendations to help you understand and improve your credit health.
Yes, you can add and manage multiple credit cards from different banks on CRED. The app provides a consolidated view of all your credit cards, making it easier to track spending, due dates, and payments.
CRED offers three membership tiers: Basic (free), Prime (₹999/year), and Elite (₹4,999/year). Each tier offers progressively more exclusive benefits, rewards, and privileges tailored to enhance your credit management experience.
Account & Billing
Questions about your account, payments, and billing information.
Rewards & Benefits
Questions about CRED coins, rewards, redemptions, and exclusive offers.
Credit Score
Questions about credit score monitoring, insights, and improvement tips.
Security & Privacy
Questions about data security, privacy settings, and account protection.
Download CRED Now
Join India's most trusted credit card payment app and unlock a world of exclusive rewards and benefits.
Premium Experience
Enjoy a seamless, elegant interface designed for the discerning user.
Bank-Grade Security
Your data is protected with 256-bit encryption and multiple security layers.
Exclusive Rewards
Access premium offers and experiences unavailable anywhere else.
9M+ happy members
4.8/5 app rating
₹200Cr+ in rewards claimed
Total Rewards
₹15,320
Credit Score
801
Excellent
View Payment Options
Photo by Ben Rosett
Our Members Love CRED
"The most elegant app I've ever used. CRED makes bill payments rewarding and their customer support is exceptional."
— Ravi Sharma
"Best app for credit card payments. I've redeemed over ₹20,000 in rewards just by paying my bills through CRED."
— Priya Mehta
"The premium experiences offered by CRED are unmatched. Their credit score insights have helped me improve my score."
— Arjun Kapoor
Join 9 Million+ CRED Members Today
Experience the most elegant way to manage credit cards, earn rewards, and elevate your financial lifestyle.
Download CRED NowAvailable on iOS and Android
CRED
Experience a premium credit card management system with exclusive rewards for the creditworthy.
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Legal
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CRED does not guarantee any product offerings or claim any guarantees. All product related queries and complaints must be directed to the respective bank/merchants/service providers.