Cred Offers

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About Cred

Cred is a members-only club that provides a platform that permits credit card users to handle multiple cards. The credit card spends tracking and management feature of this web-based mobile application, allow its members to keep a tab on their credit score. The app has options to track your expenses, notify due dates, and many more. Dreamplug Technologies Private Limited is the owner and controller of 'CRED.'

Kunal Shah, the founder of the company FreeCharge, created the app. The CRED App aims to make credit card use more convenient and automated. The app also provides numerous rewards in the form of CRED coins, which can be redeemed for cash or offers. The CRED app, however, is not available to everyone. The CRED app only accepts users with credit scores greater than 750.

How To Apply For A CRED Membership?

To get a membership, one has to download the app and sign up with their full name and a valid Indian mobile number on the app. The credit score of the aspirant is verified by credit bureaus like CIBIL, Experian, and CRIF. If the credit score is higher than the accepted eligibility score, the aspirant will be accepted as a member of CRED. Once you become a CRED member, you will be eligible to access the limited set of exclusive rewards and privileges offered by CRED.

How Does It work?

The whole process is very simple and takes less than a minute.

• Install the app
• Signup with your mobile number & verify with OTP
• As CRED has tie-ups with Credit Bureaus like Experian, all your cards get reflected as soon as you sign in.
• Now verify your card to add them to the app by filling the masked numbers of the card.
• CRED verifies your card instantly and congrats! You now become a CRED member.
• You shall now pay your bills and get reward points equal to the bill amount paid.

Behind the scene, as mentioned earlier, once a new card is added, CRED verifies your credit card. They do it by depositing Rs.1 through IMPS/UPI. This reflects instantly on some cards while other cards (like AMEX) may take up to 1 working day to reflect.

How To Remove A Credit Card From CRED

If you want to remove one of your credit cards from CRED:

• Open app.
• Click Account.
• Go to profile information.
• Under Payment Information, click the credit card you want to remove.
• Click Delete Credit Card.

Cred Refund Policy

Dreamplug will not take any responsibility for any incorrect payment via incorrect Credit card account or bill payment number. However, if the money has been charged to your card or bank account and in case the payment/service is not provided by the service provider within 72 working hours after completing the transaction, you should intimate it immediately an email to support@cred.club. After a detailed investigation, if the complaint is found genuine, the money will be refunded within twenty-one working days from the date of receipt of your email. All refunds will be credited to your card or bank account.

How To Save More At Cred

• By making a credit card payment through the app itself, the members are entitled to attain a variety of rewards. The rewards come in various forms, such as access to certain events, gift cards, and promotions from brands like Cure. Fit, Myntra, Diesel, Olive Bar & Kitchen, and many more.
• CRED app allows you to earn "CRED coins" every time you make a payment to your credit card bills. Each coin worths Rs 1. You can redeem these points for various premium lifestyle products & services. You can also use the option to 'burn' your coins to win cashback. This will be directly credited to your credit card.

Do you keep missing your credit card payments? What if we said you can now bag exciting rewards every time you clear credit card dues on time?

Are your bills stopping you from enjoying life? CRED believes that consumers should not have to wait until the last minute to pay their bills. As a result, CRED is a platform where you can manage all your outstanding credit card bills in one place. CRED has reminder options to help you pay your bills on time, with instant settlements you never have to wait for your payments to be processed, and with statement analysis, you'll always know where your money goes. But the icing on the cake is the rewards they offer for clearing your bill payments on time, which enables you to reduce the total amount of interest you pay each month. Every time you make a timely payment, CRED pampers you with CRED coins which wins you exclusive rewards and experiences from premium brands. Get rid of your credit card bills and earn reward points!

What CRED offers?

CRED is a members-only club that rewards people for making timely credit card payments by giving them access to unique deals and premium experiences. It's a tool that lets credit card customers manage various cards while also getting a credit score analysis. They offer CRED Coins for every payment that is made through their app - whether it is your monthly credit card bills or rent or even the merchant payments using CRED Pay. A business that allows you to pay with CRED Coins!

CRED's credit card spends tracking and management tool was one of the app's numerous facilities, providing the user with analysis of spend tracking and card usage efficiency. The AI-backed CRED Protect feature in CRED helps you track every detail of your credit card payment, including due date reminders, spending patterns, and other card usage statistics. When a member pays with a credit card using the app, they can access a number of incentives, including access to events, experiences, gift cards, and upgrades from businesses such as Diesel, Cure.Fit, Myntra, and Olive Bar & Kitchen, among others.

Here’s how they can help you save money and give you rewards on your next purchase with CRED.

CRED Membership & Benefits

Because CRED is limited to a select few, you must apply for membership via the app by providing your full name and a valid Indian cell number. If your credit score falls below the accepted eligibility score as determined by credit bureaus such as CIBIL, Experian, and CRIF, you will be denied. As a CRED member, you can immediately make your credit card payment experience more convenient by gaining access to several benefits that are only available to CRED members.

• Hassle free payment experience via Debit Cards, Net Banking, UPI.
• Get automated credit card bill payment alerts/reminders.
• Get alerts on the go for all duplicate transitions of your credit card.
• With CRED Protect, you can uncover hidden charges on your credit card.
• Control multiple credit cards from a single portal.
• Keep an eye on your credit score in real time.

CRED Protect

CRED protect offers an online tool that assists members in analysing their credit card statements and protecting them from unexpected fees and charges. CRED protect is a free service that analyses your credit card statement to see if there are any hidden fees or charges.

FAQS

How to pay at CRED?

American Express, Standard Chartered, Citibank, HSBC, HDFC, ICICI, SBI, AXIS, RBL, PNB, and other major Indian banks are supported by CRED. We accept VISA, MasterCard, American Express, and RuPay credit cards.

How does CRED referral offer work?

If someone installs the CRED app for the first time using your referral link and makes their first credit card bill payment of any amount, you will both receive 10 CRED gems for free. With 10 CRED gems, you can get a Rs. 150 Uber voucher, 20 Gems for a Rs. 500 Flipkart voucher, and 30 Gems for a Rs. 1000 Flipkart voucher.

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