CRED App Review

By | February 19, 2021

CRED is created by Kunal Shah who created Freecharge a 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 the app in detail.

CRED App Review

What is CRED?

It is an app that allows you to earn points which are 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 to reward the most creditworthy customers of India, said Kunal Shah. It also provides you with your Experian/Crif score along with your credit score.

CRED App features


It is created by a person who has large experience in dealing with lots of customers on Freecharge. So it is assured that the app is completely safe. If you are concerned about your security, you can register in this via another mail as well. 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 works like:

  1. Install the app – IOS / Android (open the link on mobile)
  2. You can sign up using your mobile number & then have to verify it with OTP provided to you.
  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 add the card number for verification
  5. They verify your card instantly and that’s it.
  6. By making your payment with this you shall now pay your bills and get reward points equal to the bill amount paid.

If you add a new card to the CRED, it verifies your credit card by depositing Rs.1 via IMPS/UPI. This reflects instantly on some cards while other cards (like AMEX) take up to ~1 working day.

CRED App offers

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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 little time for you to understand the overall functions of the app, like; how to add a card, how to make payments, and more. As per my knowledge, different cards take a different amount of time to make payment. But in the 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.

CRED App benefits

Top 10 CRED Rewards

These are a few of the top rewards provided by the company in the last few months. There is no conformity that you will also get these as rewards. You might get other offers as rewards because the 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: Group workout for 30 days with limitless trainer
  • 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?

You will get a reward for credit card bills through this. Along with this, you will also get rewards for making payments through a debit card as well. Instead of all these reward systems, 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, they don’t have a good reward system like CRED. So, one should give this a try.


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 with the help of CRED, for every rupee cleared on your bill you earn a CRED coin.

CRED Gem Rewards:
referring it to people makes you earn 10 gem points

Banks supported on CRED

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

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