📄 About CRED
CRED is a members-only club for individuals with a credit score of 750 or above. Paying credit card bills on time earns CRED coins that can be redeemed for curated luxury products, dining discounts, and instant jackpot spins.
UPI & Payment Apps
✓ Verified Program
CRED
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Editorial Review & Testing Notes
Tested and verified by our editorial team. Ideal for users managing multiple credit cards with high on-time repayment habits.
💰 How the Referral & Earning Program Works
When a friend joins CRED using your invite link and makes their first credit card bill payment, they receive up to ₹1,000 in statement credit, and you earn ₹500 in CRED gems or direct cashback.
✅ How to Sign Up & Claim Your Reward
- Click the official CRED invite link.
- Install the app and verify your credit score with your phone number.
- Add your eligible credit card and pay a bill of ₹1,000 or more.
- Claim your welcome cashback reward from the Rewards tab.
⚠ Eligibility & Important Conditions
Applicant must have an Experian or CRIF credit score of 750 or higher and possess an active Indian credit card.
❓ Frequently Asked Questions about CRED
You need a minimum credit score of 750 (Experian / CRIF) to qualify for membership.