(704,639 ratings)

One by one.
That's how our developers approached this update:
Improving every single feature. Eliminating all minor errors.
Thus, perfecting your experience.
In fact, we're not sure if it qualifies as an update anymore.

Like the question raised by The Ship of Theseus:
"If a ship's parts are replaced one by one, does the ship remain the same, or does it become something completely new?"

Is this just an 'update' or an entirely new way to experience CRED?
Find the answer for yourself.

A seamless way to check credit score for free, pay credit card bill payment & monthly rent online. Get exclusive shopping offers, cash back, and a lot more with CRED App. Use CRED Coins earned from paying your bills to win exclusive rewards, big prizes, offers and unlock access to products at member-exclusive prices & rewards.

CRED App: Pay Credit Card Bills | Win Cashback & Coins
Browse shopping offers, subscriptions & membership like book flight at money-saving offers with Cult live exclusive Myntra shopping offers, money saving Swiggy offers & cashback, discounts on lifestyle products & more for CRED members!

CRED App Features:
→Free Credit Score Check: Track Credit Score or Access your credit profile anytime!
→Credit Card Bill Payment: Pay credit card bill on the go!
→Credit Card Manager: Stay connected with your credit information
→Payment Reminders: Credit card bill payment reminders so you never miss your due date
→Hidden charges: Automatically detect hidden charges & get alerted on duplicate transactions in your credit card account
→Rewards: Enjoy credit card offers & win rewards by using the CRED Coins
→Manage Multiple Credit Cards: Seamless payments for all your credit cards
→Pay Rent with Credit Card: Make rent payments to your landlord or PG 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)
✔ Generate credit reports for FREE
✔ 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 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
→ Start paying your credit card bills & earn CRED 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: Ex: CRIF has a range of 300-900 while Experian has a range of 300-850
→ 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
→ Personalised insights to improve your credit score with time

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.

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 your credit card payments negatively hurts your credit score. So, pay on time!

Can CRED help in improving credit score?
With CRED you 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, if you enjoy using the app, do give us a 5-star rating!

See available downloads
There's a more recent version available below!

This release may come in several variants. Consult our handy FAQ to see which download is right for you.

August 18, 2021
Android 5.0+
All Releases