Cred App

The Best Credit Card Payment App in India [Cred Guide]

Are you looking for the best credit card payment app in India? If yes, then you’re in the right place. I had been in your place earlier.

If you’re a person who uses credit card extensively, then you know the pain of missing a credit card bill or not being aware of your credit card payments.

If you don’t pay in time, you will get fined, and life will get messy. Managing a credit card isn’t easy; it requires your attention.

Don’t worry, I have got you covered. A few months ago, when I was working in the office, one of my co-workers suggested a credit card app, since then I have been using it.

I have used it for enough time that I believe I am qualified to write this article.

The app that I am talking about is Cred.

What is Cred?

Cred is the most rewarding credit card bill payment app currently available in India. This app offers coins, rewards, and cashback for paying your credit bills in time.

Why should you use Cred App?

Cred is the only Credit Card bill payment app currently available in India. This makes it the only option for you. However, that doesn’t mean that Cred is anyway less worthy.

Its user interference is top-notch and easy to use. Besides, it also renders reward points for each payment.

I have been using it for some time now, and I have received some rewards. Other then rewards, I have also received coins. I will talk about it later it the blog.

What are the Benefits of Using the Cred App?

The foremost benefit of using this app is that you can be assured that you will not miss your next credit card’s bill payment.

Your payment process with this app will be seamless. It’s easy to use and takes less than a minute to complete your payment process.

Furthermore, how many times you have crossed the last date of your card’s payment, merely because you have forgotten it. This type of scenario will not happen with the help of this App. Cred provides payment reminders.

However, if you’re a person who doesn’t adore manually paying your bill each time, then you can also pay your bills in automation.

best credit card payment app

Did you ever wonder why you’re getting charged unnecessary? But couldn’t find it, this problem will be solved by this app. Cred has cred protect feature, which will assist you in finding your credit cards hidden charges.

Besides, it also shows your overall expenses. Tracking your expenses will help you identify your spending habits, which will help you reduce your expenses in the wrong run.

What are some other benefits Cred offers to you?

In the Cred app, you will get the option to add all your credit cards. Adding in one place will help you pay all your bills at once. Next time when a bill will come, you will never forget it.

best credit card payment app

Did you know your credit score? If not, then don’t worry, cred has got you covered. This app shows your latest credit score without charging you a penny.

How to get a Cred membership?

If you’re interested in trying the Cred app, then getting a membership in this app is very simple. All you need is to download the app from the play store and install it. After the installation, register with your full name and your phone number, then cred will check your credit score.

Cred takes help from the credit bureau to find your credit score. Services such as CIBIL, Experian, and CRIF are some prime examples of credit score issuing authorities. If you have the eligible score, then you will be granted membership to the cred app. App users are called members. They get exclusive excess to rewards and other benefits for using this app.

cred app

Cred Payment System

In the Cred app, you can pay your bills from all the major bank’s portals and other UPI options.

It is safe and secure, and it gets updated within a few hours. However, never pay your bill at the last moment; instead, pay your bill 2-3 days before. As per Cred, it requires time to pay your bills; however, I usually get my account updated within an hour or so. 

List of Banks Supported on Cred

  • HDFC Bank,
  • ICICI Bank
  • SBI
  • AXIS Bank,
  • Citibank, 
  • HSBC
  • Kotak
  • AMEX 
  • Standard Chartered
  • RBL 
  • IndusInd 
  • Yes Bank 
  • Canara bank 
  • Bank of Baroda 
  • PNB
  • Andhra Bank 
  • J&K Bank Credit Cards

How do I Get Rewards?

In the Cred app, rewards are equivalent to your payment amount. If you’re paying Rs.10000 for your credit card bill, then you will get 10000 credit card coins.

Later on, you can encash these coins in the available offers. Cred offers products from various brands; you can apply your coins to reduce the price. It’s an excellent offer since you’re already paying your bills without earning a single penny. With the Cred app, you can earn coin from it.

best credit card payment app

Below are some examples of Cred Apps offers

  • Over Flat 15% off on your Myntra Order
  • Apply Rs 500 OFF on US Polo Assn
  • Over Rs 750 OFF on Bombay Shirt Company
  • Apply Flat Rs 500 Off on Amante
  • Rs 500 Gift Card from flying machine

Who Runs this App?

Cred is being launched by Freecharge founder Kunal Shah. He sold the Freecharge app to Snapdeal with a whopping 400 million dollars. As of now, Cred is a safe app for use. They have got an excellent support team if you face any problem, then you can contact them.

Although, I would say no platform is a hundred percent safe platform. Even our banks are not safe; every day, some awful news is coming out about the commercial bank’s corporations. Still, we use banks because it is convenient and saves a lot of time and assists us in keeping our money in one place. It is better to manage your money in an organized way, than to through it around here and there.

Source: YourStroy

Cred’s Future

If you have watched the above video carefully, then you would probably by now know what could be the future of this app.

The founder of the app is talking about building a community around this app and making life easier for its users. He is talking about how these people who have got a better credit card score can do a lot of productive works together. He has suggested some ideas here. Although it may be an idea right now; still, you can be assured that the app is in a safe hand; besides, you can build an excellent community here in the future.

Cred’s Lifestyle Segment

If you’re paying a hefty amount of money on your credit card bills, then this section of the App would be the go-to place for you.

best credit card payment app

As of now, when I am writing this article, this section has twenty different categories. In each category, you will find your favorite brand, and you can apply your coins there to earn a discount on your next purchase.
Below are the categories of this section

  • Accessories
  • Apparel
  • Beverages
  • Cafes
  • Electronics
  • Fine Dining
  • Gem Rewards
  • Gifting
  • Gourmet & Food Delivery
  • Home Solutions
  • Kids
  • Microbreweries
  • Missions
  • Mystery Box
  • Personal Care
  • Personal Development
  • Pubs & Bars
  • Subscription & Memberships
  • Travel & Commute
  • Wellness

Does Cred require a Credit Score?

Yes, cred requires a Credit score. Cred analyzes it for allowing membership to new users. If you have a bad credit score, cred will not grant you access to the App. That’s why I am emphasizing that cred is an exclusive club for good creditworthy customers. I believe, 750 is the score they consider for the membership. However, I am not sure.

Can I use two Credit cards at the same time?

Yes, you can use two credit cards at the same time. You can also use your family credit card in this app. If you install the app, you will be asked to verify your first credit card. Then you can add other credit cards in the add section. In this app, ten cards are allowed. After ten cards, you must raise the card limit.

Does Cred provide alerts outside the app?

Yes, apart from the email, you will get a notification in your WhatsApp account regularly. I have been getting their WhatsApp messages for a while now. One aspect I adore about cred is that they don’t spam my WhatsApp account with offers. I only receive my account statement.

Is it possible to auto-pay my bills on the Cred app?

Yes, the cred app provides an auto-pay option for you. If you use the auto-pay option, then your credit card bill will be automatically paid from your account without your interference. This feature will surely help you from bill payment stress.

Will I get refunds from the Cred App?

If you’re concern about refunds, then don’t worry. Cred will refund your money if your payment doesn’t act properly. However, for the refund, cred’s approval would be required. It takes around five days to reflect the money in your account.

How to redeem Cred coins?

On the navigation bar, you will see an option as rewards – click on that option and redeem your coins.

Is it possible to pay Credit Cards bills with Cred coins?

No, you cannot pay your credit card bills with cred coins. It is just for rewards points.

How to contact the Cred app?

Go to the Cred app control section and click on the support button. There you can contact the Cred support team. Till now I have not found a customer care number, once I will find the number, I will share it with you.

How to Use your Credit card safely?

Since you’re using a credit card online and sharing your data with an app, I would like to share some quick tips with you.

On the internet, there are several fraud websites available. Always make sure that you’re not sharing your card details with random websites. 

For keeping your money safe, read these below tips

Share your Card data with only trusted Sites: One aspect that I cannot emphasize more is that the trust of the website. If you have never heard of the site and have never visited it before, then sharing your credit card details with the site will not be a smart idea. 

I am not saying that you should stop sharing your details with all the websites. All I am saying is always use it wisely. Before sharing your card details, go through the site, or conduct some research or contact the customer care. 

If you don’t get a response as per your needs, then buying something from that website won’t be a great idea. What if something goes wrong? You will not get the solution from them. 

Don’t use infected devices for your transaction: If you’re paying money online through your debit or credit card, make sure that you are not paying it from an infected device. If your computer or mobile is affected by a virus, then avoid sharing your data there. There are several such malware available online which could potentially steal your data and could sell it to fraudsters.

If you have doubts that your system has been compromised, use antivirus software or format the device. This may take some time, but eventually, your money will be protected.

Pay or use those sites which are secure: Only use those websites for a financial transaction that provides an SSL certificate. If the website’s payment page doesn’t have an SSL certificate, then avoid those pages. Still, If you use it, your payment or your data of the card could be potentially compromised.

Read on: These Steps will protect you from hackers.

Don’t use Public Wi-Fi: When you’re using your credit card online, make sure that you’re not using it on a public network. Using a credit card on a public network makes your card details vulnerable to potential thefts. These days many such incidents are happening; especially, with them those who use a public network to access their financial data. This may not be relevant to the topic, but this is very important for the overall safety of your credit card.

Read More: Amazon online shopping Safety Guide (Must Read it)

Use Strong Password: In today’s time, the password itself is in question; still, it protects your information online. Several people don’t take it seriously and write simple passwords.

If the account has money in it, make sure that you’re protecting it to the fullest. Nowadays, all android devices come with fingerprint options, use them, and for passwords, don’t use lazy words. Try to come up with a unique password, which could be hard to break. One thumb rule to remember, don’t copy a password idea from the internet; instead, use your personal information, which could be hard to guess.


For credit card payments, Cred is an excellent app. I have not found any issues up to now. However, sometimes users complain that their payment doesn’t reflect on the card. If you’re facing the same issues, please contact the support team. So far, I have not faced these issues. Therefore, I strongly recommend this app.

Overall EPR Rating

Rating: 4.5 out of 5.

Install the Best Credit Card Payment App