CRED - Pay credit card bills

CRED is a members-only credit card bill payment platform that rewards its members for clearing their credit card bills on time. CRED members get access to exclusive rewards and experiences from premier brands upon clearing their credit card bills on CRED.

How does CRED reward their users?
CRED partners with the best premier and luxury brands to bring you an unmatched experience at the end of every credit card bill payment cycle. These brands include Airbnb, Book My show, Urban Ladder, Bombay Shaving Company, Cure.fit, Ixigo, Bodycraft to name a few.

Rewards covered on CRED
Every time you pay your credit card bill on CRED, you earn CRED coins equivalent to the amount of your credit card bill cleared on CRED. The CRED coins earned can be used to claim shopping rewards, travel rewards and dining rewards. Some of the offers include:
- A 45-day subscription to the Harvard Business Review
- Unlimited doctor consultations for you and your family on the DocsApp
- 50% off on all The Bowl Company
- One month subscription to the Bloomberg Quint

How to earn rewards on CRED
Members can earn rewards in two different ways. One way is through CRED coins and the other is through CRED gems. CRED coins and CRED gems both offer different rewards from different brands.

CRED Coin Rewards - When you pay your credit card bill on CRED, for every rupee cleared on your bill you earn a CRED coin. You can then use earned CRED coins to claim exclusive rewards from different brands.

CRED Gem Rewards – For every person that you refer to CRED who makes a bill payment, you earn 10 gems. Gems can then be exchanged to claim exclusive rewards from special brands.
Apart from these, you can also access all your credit card rewards i.e rewards offered by your bank.

What do you get as a CRED Member?
As a CRED member, you instantly make your credit card payment experience hassle-free by unlocking several perks only available to CRED members:
- Seamless bill payment experience through modes like UPI, net banking and debit Cards
- Timely credit card bill payment reminders
- Automate your credit card bill payments
- Expose hidden charges on your credit card with CRED protect
- Get real-time alerts on duplicate transactions on your credit card
- Manage multiple credit cards on a single portal
- Keep a realtime check on your credit score

How does CRED make it easy to pay one’s credit card bills?
CRED helps you to ensure that you make timely credit card bill payments with ease:
You get to manage all your credit cards on CRED and view the amount that is due for payment from a single place. You also get timely reminders for bill payments which ensure that you never miss your due date and thus save up on your late charges. Additionally, you also ensure the chances of getting a higher credit score in the future with on-time payments. Whether you have to make a Standard Chartered credit card payment, American Express credit card payment or Citi credit card payment, your payments are always instantly cleared and take just a few clicks.

How does one become a member of CRED?
You can apply to be a member by signing up on CRED with your name and valid mobile number(issued within India). CRED is India’s most trustworthy and creditworthy community. This means we are selective about the members we take. For membership an Experian credit score of 750 or above is mandatory.

Keep checks on your credit score
Upon becoming a member, you can refresh your credit score with a single click. CRED then proceeds to acquire your updated credit score through a CIBIL score soft inquiry.
On CRED you can access your credit score data anytime without any extra charges. As a member, this helps you keep regular checks on your credit score and re-evaluate your spending patterns to maintain a healthy credit status.


CRED supports online credit card bill payment for American Express, Standard Chartered, Citibank, HSBC, HDFC, ICICI, SBI, AXIS, Kotak, RBL, PNB and other top Indian banks.