Cred -
Q&A Submitted By: App User
Seller: Dreamplug Technologies Private Limited (
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Category: Lifestyle Reviewed Version: 2.0.3.13
Download: iOS Android Other Similar Apps: Credit Karma
Price: Free
Supported Languages: English
Cred app is a Credit card payment app which gives their user rewards on every credit card bill payments. The app is available for both IOS and Android devices. This app was founded in 2018 by Kunal Shah who is well known for his other app Freecharge, Chillr. Interface of the app is very easy to use. the app is categorized as a Lifestyle app and not a finance app, it is similar to any classified app with a fin-tech touch. The app also uses a whatsapp business account to notify you about any further payments, or support.
Service of this app is only available in India right now, which means You will need a valid Indian phone number to enroll as a member of CRED.
App Features and Capabilities This app is a rewarding app for the users who pay monthly credit card dues. You have to apply for Cred membership as the growing demand there is always a waiting list. You get refund option in app from which you can get an Instant refund which take 1 to 3 days or it may transfer funds within 24 hrs.
You get an option in the app which is Kill the bill which get pay you from 1rs to the amount of the payment you have made using this app, it totally depends upon your luck.
Home: In this section you get to see a card type Interface which you can side scroll for getting different options. First card will be an option to connect the app with your bank UPI the app sends text message from your registered mobile number and setup the cred UPI option.
Next cards you will see are the offer the Cred is providing you for paying your credit card bill.
Card: In this section you can see all the cards which you have connected to the app for getting information and paying credit bills. You also get an option to add new card so that you can get notified on the coming dues payment.
Lifestyle: In this section you get all different types Rewards offered by the app you can also see details of every offer by clicking on the offer card. You have to scroll down to see different offers from different brand. You also get a Mystery reward app that offers you cash back according to your Cred point.
Profile: On the Home page you get an option which is your profile, after clicking on it you see your Credit Score and Last payment history. You also get an option of Dark mode which changes entire colour to Dark theme. You can also see all the hidden charges from the banks.
Pros - You get to see all the hidden charges from the bank
- You can know your credit score.
- You get offers from most trusted brands.
- You get Instant cashback from the app to your bank.
- You can see total amount due and minimum amount due for your card.
Cons - The app has long waiting list, you should be above 750 in Credit Score.
- Payment you do on your from this app will appear within 48hr, which means the payment is not transferred instantly.
- Sometime Instant refund also takes more the 24hr to get to your bank account.
Other Information to Know The app offers multiple payment options which includes Debit card, Netbanking and throught UPI payment. You can Activate Cred protect which enables different options like the app will Notify you on every payment reminders, you get bank charges alert and you get all the bill details on your card.