CRED is a members-only app with exclusive rewards for every credit card bill payment. CRED’s credit card spend tracking and management features provide simple, yet powerful tools for its members to manage their credit card more efficiently.
In addition to curating exclusive rewards from top brands for it’s members, CRED members get access to CRED PROTECT - an AI backed system that keeps track of every single nuance of a credit card payment journey - right from due date reminders, spend patterns and other card usage statistics.
How to apply for CRED membership?
CRED is only for a select few - You can apply for a membership by signing up with your full name and mobile number on the app. If your credit score is above our eligibility score, you will be accepted as a member of CRED and will have access to a curated set of exclusive rewards and privileges that are members-only.
P.S: You will need a valid Indian phone number to enroll as a member of CRED
CRED has updated with an enhanced payment experience and bug fixes.
Ratings and Reviews
I gave basic details in the app like phone number, email I’d. They showed my credit card details. Then they ask to verify the cards through otp which I did. Then they said they will credit 1 rupee into the account for verification. After that I was able to see all my card details like credit line, bill amount, last bill date, etc in the app
This happened yesterday and today I got a call from Sbi customer care. They said it’s customer verification call. They asked my 16 digit credit card number. I refused to give. Then they told my credit card number. Then they asked my validity date which I refused and then they told my validity date. . They sent some otp. I refuse to tell. Then they told bank details like bill amount, bill date, last credited amount (1 rs), credit line, etc. I believed and told otp and immediately 7900 rs got deducted. Immediately I called Sbi customer care and blocked the card, they said it was a fraud transaction. I fear there could be data leakage from this app.
Great app for additional rewards on your credit card bill payment
Good concept - make a mundane thing like bill payment of your credit card in to a rewards program. Asks for basic financial information which is relevant for the app to function - CIBIL Score, Verification of cards etc. But once set up its a charm to use - rewards are great (Various categories and various spend level coupons). The entire flow of paying the bill, receiving creds, redeeming them is quite smooth and easy. Great job on bringing out an app which feels premium and functions like one. Look forward to more enhanced reward program.
Developer Response ,
Jags, thanks so much for the encouraging words and noticing the finer details of the app. Our team has worked hard to make credit card bill payment a fun and rewarding experience and will continue to do so. Stay tuned for more exciting rewards - we are adding new ones every week :)
Kanika, CRED Team
Lose money and pay twice
So I downloaded it after reading so many positive reviews. The day comes and I decide to pay my credit card bill, I pay through the app and my money gets deducted, later, this app shows payment failed and refund will take 7 days, (why deduct instantly when you can’t refund instantly) which is 4 days after due date of my credit card bill. I call bank and they provide me with confirmed transaction ID and I again ask cred to check, they say it “might” have been stuck in payment gateway, which has never happened in my thousands of bank transactions. Now i am siting duck with a loss of almost 20k, all in little greed of some points. Pointless, paid through NEFT now and waiting for refund since 3 days.
- Dreamplug Technologies Private Limited
- 120.8 MB
- Requires iOS 10.0 or later. Compatible with iPhone, iPad and iPod touch.
- Age Rating
- Rated 4+
- © 2018 Dreamplug Technologies Private Limited
Up to six family members will be able to use this app with Family Sharing enabled.