you are dumber than you think.
that's the one line summary of the Dunning-Kruger effect.
once aware of this bias, it's very likely that you will always doubt your instincts till you see actual evidence.
which is why we want to make it clear: with this release, we've removed bugs and made significant changes that perfect your CRED experience.
so if you feel like your experience has improved, give yourself some credit.
because in this case, your instincts aren't wrong.

CRED is the only credit card app you will ever need for all your bill payments. You can use our app to pay utility bills, credit card bills, monthly rent, and more. Not only this, check your credit score for free and improve it as well. Use CRED coins to win rewards, cashbacks, and offers.

Features Of The CRED Bill Payment App
✔ Scan & Pay: Scan any QR code and pay instantly via UPI to earn assured rewards every time.
✔ Pay Bills Easily: Pay all your bills, including your electricity bill, utility bill, credit card bill, and rent, online through the app within minutes.
✔ Check Credit Score: You can now check your credit score on our credit card app with just a few clicks and keep track of it. Use our app to improve your credit score and easily access your credit profile.
✔ Manage Credit Cards: Check your credit information on our app and manage all your credit cards in one place without downloading multiple credit card apps on your phone.
✔ View Hidden Charges: Automatically detect hidden charges & get alerted on duplicate transactions.
✔ Get Spending Analysis: Keep track of where and how you use your credit card with an easy-to-read spending analysis chart.
✔ Shop Online: CRED Members can save money and get offers, discounts, or cashback on shopping online with Myntra, Swiggy, and other sites.
✔ Earn Rewards: Get credit card offers and win rewards using our app with CRED Coins.

Why Choose The CRED Online Payment App?
❔ Check your bank balance & CIBIL score (Credit Score) and track your credit score report
❔ Refer the CRED app to your friends and earn cashback
❔ Checkout from your favourite brands with CRED pay and get discounts
❔ Track your spending with interactive charts that allow easy visualization of where your money goes
❔ Easily pay and manage all utility bill repayments, credit card bills, house rent, education fees, electricity bills, mobile recharge, loan EMIs
❔ Get offers on select hotels on your travel bookings
❔ Get exciting discounts on brands like Myntra, Swiggy, Cult Live, etc.

Bills you can pay using the CRED bill payment app
Credit Card Bills: Pay bills for all your credit cards from one place, instantly.
Rent: Pay your house rent, maintenance, office rental, security deposit, brokerage, etc.
Education: College fees, school fees, tuition fees, etc.
Telecom Bills: Mobile recharge, mobile postpaid, DTH, broadband, landline, cable TV, etc.
Utility Billss: Electricity bills, LPG cylinder, piped gas, water bill, municipal tax, etc
Other Billss: Fastag recharge, insurance premium, loan repayment, etc.

What Is A Credit Score?
→ The CIBIL 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 higher credit score is an indicator of good financial behavior

How To Check And Monitor Credit Score Using CRED?
→ Signup on CRED with your full name & mobile number, get your first credit score result
→ Get CRED coins with each credit card bill payment
→ Use CRED coins to refresh your credit score every month

Credit Scores Shown On CRED
There are four 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], [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 Ltd, Credit Saison - Kisetsu Saison Finance (India) Private Ltd, Liquiloans - NDX P2P Private Ltd, Vivriti Capital Pvt Ltd.

Contact Us
Tell us how we can improve your experience on and we will make sure it happens.
Pay your bills, improve your credit score & earn rewards with CRED.

See available downloads
A more recent upload may be available below!

This release comes in several variants (we currently have 2). Consult our handy FAQ to see which download is right for you.

October 23, 2022
Android 5.0+
160-640dpi APK
October 23, 2022
Android 5.0+
All Releases
CRED: Credit Card Bills & More


Uploaded:January 22, 2023 at 7:36AM UTC

File size:45.04 MB


CRED: Credit Card Bills & More


Uploaded:December 28, 2022 at 8:38AM UTC

File size:36.25 MB


CRED: Credit Card Bills & More


Uploaded:December 15, 2022 at 9:02AM UTC

File size:35.14 MB


CRED: Credit Card Bills & More


Uploaded:December 8, 2022 at 7:19AM UTC

File size:35.08 MB


CRED: Credit Card Bills & More


Uploaded:November 25, 2022 at 9:30AM UTC

File size:35.71 MB


CRED: Credit Card Bills & More


Uploaded:October 23, 2022 at 3:12AM UTC

File size:33.17 MB



Uploaded:October 1, 2022 at 11:53AM UTC

File size:32.74 MB


CRED: Credit Card Bills & More


Uploaded:September 23, 2022 at 10:28AM UTC

File size:32.77 MB


CRED: Credit Card Bills & More


Uploaded:September 12, 2022 at 1:19PM UTC

File size:32.6 MB


CRED: Credit Card Bills & More


Uploaded:September 6, 2022 at 1:28PM UTC

File size:31.11 MB