CRED App Review: Eligibility Criteria, Rewards
                     CRED App 
 www.afin oz.com
Description
In India, thousands of people use credit card every month. As credit card gives 
pre-approved loan limit to individuals, people spend the credit card limit on the 
purchase of various products and services. And when the time comes to pay the 
dues, they often get frustrated as they have to pay high-interest rate on the used 
credit card limit. And that’s where CRED comes in. CRED helps you in 
managing your credit card efficiently. By downloading CRED App, you can avail 
cashback and other freebies on the credit card payment. 
  
What is CRED App?
CRED is a mobile app through which you can easily pay your credit card bills. 
By doing so, you can avail various cashback and coupons. To avail various 
benefits, all you have to do is to make timely payment of credit card bills. Unlike 
other credit card payment app, CRED covers the credit card payment of almost 
every bank and NBFC. 
As credit card companies have their own payment app, CRED takes a different 
approach when it comes to making credit card payment convenient for users. 
Credit card users can make a payment through the phone number linked with 
their credit card. This not only make the payment of credit card bills more 
secured but also lets users to make a payment against various credit cards 
linked to their mobile number.
  
Features and Benefits of CRED App
There are umpteen features of CRED. Through those features, users can avail various benefits which 
are as follows 
 Secured credit card payments – Payment of credit card through CRED app is 100% safe. The 
payment gateway is protected by 256-bit encryption and doesn’t let any security breach. 
 Attractive cashback on bill payments – As per CRED’s #killthebill campaign, CRED users can 
avail cashback up to Rs. 1000 on credit card bill payments. The cashback amount is transferred to 
the user’s savings account.
 Easily redeemable CRED coins – For every credit card payment you make, this app rewards you 
with CRED coins. You can also earn CRED coins by referring this app to your friends and family 
members. These coins can be redeemed in the form of online shopping coupons. Furthermore, you 
can also redeem your coins to pay the bills for various offline merchants who have partnered with 
CRED.
  Access to credit score and credit report at  no cost – With Cred App, not only you can check 
your dues but also you can check your credit score and credit report. For that, you don’t have to pay 
any extra bucks.
Eligibility Criteria for Being a Member of Cred Club
CRED is a member-only platform where only most creditworthy people of India can make 
a card payment. To be a member, you will have to fill a CRED application form. After 
successful completion and review of CRED application form, you can start making 
payment against your credit card bills.To easily apply for CRED Club, you must read and 
meet the eligibility criteria mentioned below.
 To be a member, you must have a good credit score. Usually, those who have a credit 
score of 750 or above can be a member of CRED Club.
 You must be over 18 to be eligible for using CRED.
 You must not be barred from accessing CRED services.
  
How CRED App Works?
 Step 1 - Apply for cred membership
 Step 2 - Pay your credit card bill
 Step 3 - Get cred coins (payment of 1 Rs = 1 cred coin)
 Step 4 -Claim your rewards by redeeming cred coin
By following these steps, you can improve your credit card experience significantly. Also, 
you can also refer it to your friends and earn cred gems which can later be redeemed.
  
                                                     Download Cred
How to make payment in Cred App?
 Add your credit card with the help of your registered phone number.
 On the main screen of Cred App, you can see your registered cards.
 Select the card you want to make payment for. 
 Pay using BHIM UPI. 
 Earn cred coins.