CRED App Review

By | February 19, 2021

CRED is created by the Kunal Shah who created Freecharge few years back. Kunal Shah’s Freecharge was taken up by Snapdeal in 2015. And now he is back with an application called CRED which provides you your credit score many kinds of rewards. So let’s discuss about the app in detail.


What is CRED

It is an app that allows you to earn points which is called ‘CRED Points’ on paying bills through your credit card or debit card. You can redeem these points for various kinds of premium products and services provided. It also allows you to identify your spending limits, alerts on due dates and more.

This is created with an aim to reward the most creditworthy customers of India, said Kunal Shah. It also provides you with your Experian/Crif score along with credit score.



It is created by a person who has large experience in dealing with lots of customers on Freecharge. So it is assure that app is completely safe. If you’re worried about your privacy then you can use different mail then your private mail to log in into CRED. You can easily make bill payments, but if in case some issue happens stay in touch with their customer support executive.

How it works?

It’s very simple and the entire process hardly takes less than a minute.

  1. Install the app – IOS / Android (open the link on mobile)
  2. Signup with your mobile number & verify with OTP
  3. Boom!! All your cards now gets displayed. They has done the integration with Credit Bureaus like Experian to make this is possible.
  4. Now you have to verify your card to add them to the app by filling the masked numbers of the card.
  5. They verifies your card instantly and that’s it.
  6. You shall now pay your bills and get reward points equal to the bill amount paid.

In the backend, while you’re adding a new card, CRED verifies your credit card by depositing Rs.1 through IMPS/UPI. This reflects instantly on some cards while other cards (like AMEX) take up to ~1 working day.


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Getting Started

The user interface provided is amazing. As soon as you register with them you will get points as your welcome reward. Obviously it takes few time for you to understand the overall functions of the app, like; how to add card, how to make payments and more. As per my knowledge different cards take different amount of time to make payment. But in worst case as well, it will not take more than 20 sec to make payment through your card.

It provides various kinds of premium reward which you will conquer once you start using the app . It also provides rewards in the form of scratch cards as provided by Google Pay or Paytm. You can also get cashback in the form of rewards.


Top 10 CRED Rewards

These are few of the top rewards provided by company in last few months. There is no conformity that you will also get these as rewards. You might get other offers as rewards, because company keeps on changing its rewards from time to time.

Levi’s Voucher

  • What you get: Rs.2000 Voucher
  • Cred Coins: 1Lakh


  • What you get: Rs.500 Voucher
  • Cred Coins: 30,000


  • What you get: Rs.1500 Voucher
  • Cred Coins: 10,000


  • What you get: Rs.1,000 Voucher
  • Cred Coins: 75,000

The Moja Club

  • What you get: Rs.500 Voucher
  • Cred Coins: 10,000

The Man Company

  • What you get: Rs.1000 Voucher
  • Cred Coins: 10,000 Membership

  • What you get: Get unlimited trainer let group workout for 30 days.
  • Cred Coins: 25,000

Dineout Gourmet Passport

  • What you get: 3 Months membership
  • Cred Coins: 15,000

The Mom’s Co

  • What you get: Rs.500 Voucher
  • Cred Coins: 15,000


  • What you get: Rs.1000 Voucher
  • Cred Coins: 5000

Why should you use CRED?

It is a newly designed platform which gives you lots of benefit in the form of rewards. You will get reward for credit card bills through this. Along with this you will also get rewards on making payment through debit card as well. Instead of all these reward system, CRED also proved as an efficient way to make online payments quickly.

Although we already have apps like Paytm, Google Pay, Phone Pe and more, but they doesn’t have as good reward system as CRED. So, one should definitely give a try to this.


How does CRED reward their users?

It partners with the best premier and luxury brands to bring you an unmatched experience at the end of every credit card bill payment cycle.

How to earn rewards on CRED?

members can earn rewards in two different ways. CRED coins & gems.
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.

Banks supported on CRED

CRED supports credit card bill payment for American Express, Standard Chartered, Citibank, HSBC, HDFC, ICICI, SBI, AXIS, Kotak, RBL, PNB and other top Indian banks. We support VISA, MasterCard, American express & RuPay cards.

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