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, & more. Not only this, check your credit score for free & improve it using the app. Get 100% cashback when using the app use CRED Coins to win exclusive rewards, amazing prizes, & offers.

Features Of The CRED Bill Payment App

✔ Pay Bills: Calculate, Check & pay all your bills, including your electricity bill, utility bill, credit card bill, DTH bill mobile recharge, house & office rent, online. Get bill payment reminders & remember to pay your bills.
✔ Check Credit Score: You can now check your credit score (CIBIL Score) on our credit card app with just a few clicks & keep track of it. Get your CIBIL report & improve your credit/CIBIL score & easily access your credit profile on our CIBIL check app.
✔ Manage Credit Cards: Check all your credit information & manage all your credit cards without downloading multiple credit card apps.
✔ View Hidden Charges: Automatically detect hidden charges & get alerted on duplicate transactions.
✔ Get Spending Analysis: Keep track of where & how you use your credit card with an easy-to-read spending analysis chart.
✔ Shop Online: CRED Members can save money & get offers, discounts, or cashback on shopping online with Myntra, Swiggy, & other sites.
✔ Earn Rewards: Get credit card offers & win rewards with CRED Coins.

Why Choose The CRED Online Payment App?

❔ Check your bank balance & CIBIL score (Credit Score) & track your credit score report
❔ Refer the CRED app to your friends & earn cashback
❔ Create & manage multiple accounts with instant payment options
❔ Track your spending with interactive charts
❔ Pay & manage all utility bill repayments, credit card bills, house rent, education fees, electricity bills, mobile recharge, loan EMIs
❔ Get exciting offers & discounts on brands like Myntra, Swiggy, Cult Live.

Bills You Can Pay Using The CRED Bill Payment App

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 Bills: Electricity bills, LPG cylinder, piped gas, water bill, municipal tax, etc
Other Bills: Fastag recharge, insurance premium, loan repayment, etc.

What Is A Credit Score?

→ It doesn’t matter if you have an SBI credit card, IDFC, [THIS BANK NAME WAS REMOVED TO COMPLY WITH DMCA] or [THIS BANK NAME WAS REMOVED TO COMPLY WITH DMCA] credit card; you can check your credit score on CRED. 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 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 & 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 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 & helps track these credit scores.

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.

Contact Us

Please share your valuable feedback at We would love to hear from you!

Pay your bills, improve your credit score & earn rewards with CRED. Download Now!

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

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

March 2, 2023
Android 5.0+
All Releases


Uploaded:June 1, 2023 at 6:22AM UTC

File size:45.48 MB



Uploaded:May 18, 2023 at 7:54PM UTC

File size:45.28 MB



Uploaded:May 1, 2023 at 5:28PM UTC

File size:45.18 MB



Uploaded:April 13, 2023 at 9:41AM UTC

File size:44.95 MB



Uploaded:April 10, 2023 at 1:15PM UTC

File size:44.49 MB



Uploaded:March 4, 2023 at 2:21AM UTC

File size:41.19 MB


CRED: Credit Card, Bills & UPI


Uploaded:March 2, 2023 at 2:38PM UTC

File size:104.78 MB


CRED: Credit Card, Bills & UPI


Uploaded:February 27, 2023 at 2:10PM UTC

File size:104.78 MB


CRED: Credit Card, Bills & UPI


Uploaded:February 22, 2023 at 8:43AM UTC

File size:104.74 MB


CRED: Credit Card, Bills & UPI


Uploaded:February 20, 2023 at 12:31PM UTC

File size:104.74 MB