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Download CRED: Credit Cards, Bills, UPI 3.0.8.6 APK
Target: Android 11 (API 30)
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What's new in CRED: Credit Cards, Bills, UPI 3.0.8.6
This space is usually reserved to let CRED members know how their experience has been improved with the latest release: the cumulative work of passion of many builders.
But we are using this release as a tribute for one special contributor who is unfortunately no longer with us: Shylesh.
A passionate individual, his work expanded its impact beyond the app and inspired everyone who built with him.
We miss him but his contributions and influence will forever be felt with every release.
About CRED: Credit Cards, Bills, UPI 3.0.8.6
Easily check credit score free, pay credit card bill, monthly rent online, education free using credit card on CRED & get upto 100% cashback. Use CRED Coins to win exclusive rewards, big prizes, offers.
Premium
Pay Credit Card Bills | Win Cashback & Coins
Shopping offers, subscriptions & membership like book flight at money-saving offers, Cult live & exclusive Myntra shopping, Swiggy offers & cashback, discounts on lifestyle products for CRED members!
CRED App Features:
→Free Credit Score Check: Track Credit Score or Access your credit profile
→Credit Card Bill Payment: Pay credit card bill on the go!
→Credit Card Manager: Stay connected with credit information
→Hidden charges: Automatically detect hidden charges & get alerted on duplicate transactions
→Rewards: credit card offers & win rewards using CRED Coins
→Multiple Credit Cards: Seamless payments for all credit cards
→Pay Rent with Credit Card: Make rent payments in no time
→Spend Analysis: Complete track of where you spent from your credit card with easy-to-read spend analysis charts
Why CRED App?
✔ Access your credit score (cibil score)
✔ Multiple accounts with instant payment options
✔ Interactive charts allow easy visualisation of where your money goes
✔ Safe & secure credit card bill payment app
✔ Exciting offers & discounts on brands like Myntra, Swiggy, Cult Live, etc.
How to be a CRED member?
→ CRED is built for rewarding creditworthy individuals. To become a CRED member, you need a credit score of 750+
→ The process is simple → Download CRED → Fill 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
→ Pay credit card bills & earn coins
What is a credit score?
→ The credit score is calculated based on the data that is provided by the lending institutions (typically banks, NBFCs) to the bureaus (typically CRIF, Experian)
→ Each credit score has a different scale
→ A score of 700+ on CRIF & Experian is considered to be good
→ A higher credit score is an indicator of good financial behaviour
How to check and monitor credit score using CRED?
→ Signup CRED with your full name & mobile number, get your first credit score result
→ Get CRED coins with each credit card bill payments
→ Use CRED coins to refresh your credit score every month
Credit scores shown on CRED
There are 4 credit bureaus in India - Experian, Equifax, CRIF & CIBIL. CRED can showcase your CRIF, Experian & Equifax credit scores and helps track these credit scores individually.
Credit Cards Supported on CRED
SBI, [THIS BANK NAME WAS REMOVED TO COMPLY WITH DMCA], Axis, Kotak, Standard Chartered, Yes Bank, HSBC, IndusInd, RBL, Bank of Baroda, Kotak Mahindra, Bank of India, all VISA, MasterCard, American Express & Discover credit cards.
Lending partners on CRED
IDFC First Bank Limited, Credit Saison - Kisetsu Saison Finance (India) Private Limited, Liquiloans - NDX P2P Private Limited, Vivriti Capital Pvt Ltd.
Can using a credit card hurt credit score?
As long as you make credit card bill payments within the "grace period" of 25-30 days, you don't have to pay extra. Defaulting credit card payments negatively hurts credit score. So, pay on time!
Can CRED help in improving credit score?
With CRED make bill payments on time which will help improve your credit score over time.
Can you pay American Express card bills on CRED? Yes, all American Express credit cards are supported for bill payments
Please share your valuable feedback at feedback@cred.club, if you enjoy using the app, do give us a 5-star rating!
CRED: Credit Cards, Bills, UPI 3.0.8.6 variants
This release comes in several variants (we currently have 2). Consult our handy FAQ to see which download is right for you.
Version:4.0.9.5(40009005) for Android 5.0+ (Lollipop, API 21)
Uploaded:August 1, 2023 at 4:29PM UTC
File size:110.93 MB
Downloads:1,578
Version:4.0.8.9(40008009) for Android 5.0+ (Lollipop, API 21)
Uploaded:July 25, 2023 at 7:56PM UTC
File size:108.46 MB
Downloads:233
Version:4.0.7.6(40007006) for Android 5.0+ (Lollipop, API 21)
Uploaded:July 6, 2023 at 5:24AM UTC
File size:107.41 MB
Downloads:198
Version:4.0.5.5(40005005) for Android 5.0+ (Lollipop, API 21)
Uploaded:June 21, 2023 at 7:22AM UTC
File size:109.03 MB
Downloads:185
Version:4.0.4.4(40004004) for Android 5.0+ (Lollipop, API 21)
Uploaded:June 1, 2023 at 6:22AM UTC
File size:107.29 MB
Downloads:182
Version:4.0.3.3(40003003) for Android 5.0+ (Lollipop, API 21)
Uploaded:May 18, 2023 at 7:54PM UTC
File size:112.03 MB
Downloads:137
Version:4.0.2.2(40002002) for Android 5.0+ (Lollipop, API 21)
Uploaded:May 1, 2023 at 5:28PM UTC
File size:111.69 MB
Downloads:192
Version:4.0.1.6(40001006) for Android 5.0+ (Lollipop, API 21)
Uploaded:April 13, 2023 at 9:41AM UTC
File size:111.23 MB
Downloads:184
Version:4.0.0.13(40000013) for Android 5.0+ (Lollipop, API 21)
Uploaded:April 10, 2023 at 1:15PM UTC
File size:110.70 MB
Downloads:252
Version:3.2.3.18(30203018) for Android 5.0+ (Lollipop, API 21)
Uploaded:March 4, 2023 at 2:21AM UTC
File size:104.79 MB
Downloads:618
Version:6.0.1.55
Uploaded:June 24, 2026 at 9:46AM UTC
File size:97.92 MB
Downloads:23
Version:6.0.1.54
Uploaded:June 19, 2026 at 9:59AM UTC
File size:97.92 MB
Downloads:25
Version:6.0.0.49
Uploaded:June 16, 2026 at 10:42AM UTC
File size:97.90 MB
Downloads:20
Version:5.8.3.19
Uploaded:June 3, 2026 at 3:25PM UTC
File size:90.73 MB
Downloads:50
Version:5.8.2.4
Uploaded:May 23, 2026 at 2:40PM UTC
File size:90.88 MB
Downloads:34
Version:5.8.1.6
Uploaded:May 21, 2026 at 9:05AM UTC
File size:90.71 MB
Downloads:13
Version:5.7.9.6
Uploaded:May 8, 2026 at 3:48PM UTC
File size:90.60 MB
Downloads:30
Version:5.7.8.5
Uploaded:April 29, 2026 at 3:55PM UTC
File size:90.57 MB
Downloads:33
Version:5.7.7.8
Uploaded:April 14, 2026 at 5:46PM UTC
File size:90.23 MB
Downloads:51
Version:5.7.2.4
Uploaded:April 7, 2026 at 1:27PM UTC
File size:90.20 MB
Downloads:24
