CRED App Review – Now Get Rewarded for Paying Credit Card Bills

By | March 7, 2019

Kunal Shah – the founder of Freecharge which was acquired by Snapdeal in 2015 for $400 million is now back with a new bet in the world of credit cards. About his new venture CRED, Kunal Shah says its “a platform to celebrate and reward the most creditworthy people of India”.

With a team of about ~60 people based out of Bengaluru, Cred has already raised $30 million from Sequoia Capital, Chinese VC firm Morningside and others. Now lets see what it has to offer us,

CRED – Get Rewarded for Paying Credit Card Bills

What is CRED?

CRED is an app that allows you to earn “CRED coins” for paying your credit card bills. These points can then be redeemed for various premium lifestyle products & services.

Apart from this primary benefit, it also has options to track your expenses, notify due dates, etc.

CRED aims to reward the most creditworthy (Credit score > 750) people of India thereby creating a community of trustworthy customers. CRED pulls your Experian/Crif score at the moment, while CIBIL score may show up in future.

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. CRED 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. CRED 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 upto ~1 working day.

Is CRED App Safe?

Here are few things you might need to know reg. the CRED app safety,

Security:  As the founder of CRED App had prior experience in handling millions of users on Freecharge, its safe to assume that the app is completely secure.

Privacy: The app has an option to allow email access for reading your statements. If you feel this is a privacy issue as you’ll have other personal emails, consider using a separate email ac for linking with Cred. Or, if you can go through your statements line by line, you may ignore the feature.

Payments: Its safe to make bill payments at-least 1 week ahead as you can’t be sure what’s coming tomorrow. Just incase if it gets delayed more than 3 biz days, get in touch with CRED. Apart from that, never worry about the money, its always safe.

My Experience

Getting Started

The UI/UX of the app is one of the best that i’ve seen recently. As soon as i installed the app & verified my mobile number, i got 822 Points which is equal to my Experian credit score. Yes, you can get your credit score too with this app.

It takes moments to get familiar with the options and i was able to add one of my credit card and make a payment to it in under 2 minutes. Here are the time frames for your payment to reflect on the Credit Card, from my experience,

  • Instant: HDFC/ICICI/AXIS/SBI (payments processed via IMPS/UPI)
  • 2 Working Days: Amex
  • 1 Working Day: SC/Indusind
  • Payments >1L will be be routed via NEFT
  • When IMPS/UPI rails are down, it will be processed via NEFT.
  • Note: Always clear dues before ~3 days to be on safer side

Overall the on-boarding experience is very good and you would love using the app just for its neat & clean User Interface. As i’m yet to pay some of the credit card bills (Diwali purchases), this came in right time. Here’s a quick look into my ac:

CRED App

Points Redemption

  • Point Value: Dynamic

The most important factor whenever we deal with points is its value. Here its totally dynamic as it depends on what offer the merchants can afford to give. Premium merchants have rolled out exclusive offers for CRED members to generate brand trials and virality amongst these customers..

I tried many redemption options including “kill the bill” which is similar to scratch cards that you see on Google Pay. It got me around ~Rs.170 which is not bad. Its like playing games, try your luck and do share what you got. Here’s my first attempt 🙂

Apart from that, one of my best redemption was 5000 points for Rs.1000 Voucher from bombayshavingcompany.com. This gives amazing 20% value. I quickly ordered few items costing Rs.980 to make effective use of the voucher. It asks to pay Rs.88 (tax) to complete the order.

That’s huge returns. Now if that sounds unbelievable, You may pinch yourself to verify that you’re not dreaming. lol. Here’s a quick look into my earnings & redemptions so far!

Cred Coin – Earnings

Cred Coin – Redemptions

CRED – Voucher Redemption

Some of the merchants available for redemption at the moment are: ixigo, bookmyshow, cult.fit, bombayshavingcompany, bombayshirtcompany, bodycraft, four fountains spa, etc. Note that some of the vouchers can be redeemed only once while others can be redeemed multiple times as well.

Top 10 CRED Rewards

While there are lot of good redemption options appear on CRED, I made a list of top 10 redemptions recently that are wonderfully rewarding for the month of Feb-March 2019. Check out: Top 10 CRED Rewards

Why CRED is a must have App?

The top 3 features for using the CRED app are:

  1. You get rewards for paying credit card bills through CRED platform
  2. If you pay with a debit card, you get additional Reward points there too.
  3. You become part of a premium community that gives access to unique products/services.

And yes, apart from that, some may find their transaction tracking features quite useful too. Cred is currently in the beta phase, yet you can experience most of the features now before it even goes live by year end. Use below links to download the app.

Bottomline

Even though we’ve apps (like Paytm) to pay credit card bills, there has been limits to it in various aspects and almost none of them gave a premium feel nor rewards.

CRED solves it all with a refreshing look, simple & easy to use interface, rewards system and on top of it – a premium community which is an added advantage to get access to some cool redemption options just as above.

  • Cardexpert App Rating: 5/5 

Have you tried CRED? Feel free to share your experiences in the comments below.

Author: Siddharth

A Credit Card addict, minting reward points & air miles for years. Obsessed with aviation, airport lounges and luxury hotels. Helping Indians choose a right credit card and enjoy luxury travel at affordable cost.

714 thoughts on “CRED App Review – Now Get Rewarded for Paying Credit Card Bills

  1. Rohit

    I redeemed the 1K bombay shaving company voucher as well 🙂 . I hope they add more reward options. Kill the bill gave me 15/- and 11/- so not that much.

    Reply
    1. Siddharth Post author

      Cool. Got a Rs.500 bookmyshow voucher too shortly after. They seem to have good set of redemption partners lined up.

      Reply
      1. Nihit Mehrotra

        @siddharth Sir I have paid bill at 9:15 p.m. but is not reflecting but for SBI card it is written that amount will be refunded instantly

        Reply
      2. Jekin

        Hi, each time I open the app, it asks for an unlock code. I wonder what’s that. I don’t remember myself looking at such code while registering on the App. I am now unable to login and pay my cc bill. Any idea what that code is all about. The keypad just shows numbers though

        Reply
      3. Jimnesh

        Hi can I get the CRED escalation support mail I’d, or contact number. I have done refund request now almost three week over but I didn’t receive the money yet . Could you please share the contact details or mail id

        Reply
    1. Siddharth Post author

      Yes, all cards, including diners/amex. I’ve tested it all 🙂

      Reply
      1. Abhishek Roy

        Damn man, how did I miss it? Lol. My score came 865 on Experian. Got accepted. One stop destination to pay all my credit card bills.

        Reply
        1. Siddharth Post author

          Happy spending, happy paying bills 🙂

          P.S. One of my family member has Experian: 896

          Reply
          1. Nis

            What about the reward points earn on spends? Do they get effected?

          2. NIKHIL GUPTA

            I got 898 points on sign up , pretty cool , Kill the bill gave some 150 rs for almost 50000 points , redeemed Swiggy super annual membership

          3. Ankit

            I had 887, don’t know how it dropped to 836, I had no delayed bill in last quarter + my loan account got closed. Anyway, You and I fall in the same “credit card freak” category 😉 I am now having 2 of top 4 cards from your super premium list that too LTF, despite annual card spends no more than 3L. Wish I can contribute to your super awesome website 🙂

        2. Vaibhav

          will there be 1% cashback received for making payment via HDFC EasyShop Platinum Debit Card

          Reply
          1. nikhil

            Yes, you will benefit from 1% cashback on Platinum debit card for making this payment. I have been doing it for last three months now, and all three months i have redeemed 750 cashback to the account. Tried and tested.

          2. Ankush

            Nikhil Please confirm did your get the cash back. HDFC website clearly states selected places where 1% cashback is available. I did the transaction and called customer and thy confirmed no cashback on that transaction

      2. Srinivas

        I have paid my credit card bill on aug 1st 2019. But Citi Bank not received payment. How can I get return this money. Now I need to pay late fee and penalty who will give this money. This app doesn’t have customer care number.Is this a genuine app. If it genuine please provide customer care number

        Reply
  2. jitendra kumar saraogi

    in testflight app for iphone asking for invitation code to redeem so which code to enter?

    Reply
    1. Siddharth Post author

      Just open the link (on mobile) after installing testflight. You should be able to download.

      Reply
      1. jitendra saraogi

        Still not able to open without code so please help.thanks in advance.

        Reply
        1. jitendra kumar saraogi

          please help as i have installed testflight on my iphone but asking for invitation code to redeem so where from i may get same to proceed.
          thanks in advance.

          Reply
          1. Siddharth Post author

            Ignore it. The link should now take you directly to appstore.

  3. Hiren

    Earned close to around 700 Rs. through scratch cards by paying two bills worth 1.1L and 65K on my Amex card, still waiting for payment to reflect on my card account after 1 day, Im hopeful this will work. I paid the payment using debit card, fingers crossed if I get those points too. Other than that, still can’t figure out from their privacy policy what are they doing really with this data.

    Reply
    1. Siddharth Post author

      Rs.700 is great! Yes, it should show up in a day. Worst case, you’ll get the funds refunded.

      For us, its all about reward points. For them, i believe they’re creating a community of people with higher credit scores. So they can allow premium brands to gives us trials, sort of!

      In long run they may come up with new offerings, like their own credit card. Who knows!

      Reply
      1. Naveen

        I paid 65K on my credit card bills and received 65K Cred coins, how to convert them into Rs or encash it.

        Reply
        1. Sharathkumar Anbu

          You can’t convert into Rupees. You can try your luck with #killthebill in which if you burn some 30K coins, if you get lucky you may get some 300, 400 rupees.

          If you want more value, use it for vouchers redemption in their app.

          Reply
  4. Captain Bishuddha Bharatiya

    Wow. Another amazing money maker treasure you found. Thanks a ton Siddharth. Keep up the good work.

    Reply
  5. Prashant Gupta

    Wow cant imagine this can be there…will download now and see…thanks for updating us.

    Reply
    1. Siddharth Post author

      No code. Just re-open the link (on mobile) after installing testflight. You should be able to download.

      Reply
  6. Satish Kumar Agarwal

    Dear Sid

    Lightning fast posting of this review. Yesterday launched n today Reviewed !!!
    I also joined Cred on launch day.

    Pros: 1. UI is damn good/ easy
    2. Pay your CC bill by Debit card also ( I did the same yesterday)
    3. Good coin redemption options
    4. Add upto 10 CCs
    5. Can add spouse CCs also till the time she installs Cred n joins
    6. No need to wait for credit of payments. Gets reflected within minutes
    7. Doesn’t ask for cvv or valid thru dates

    Cons: 1. They ask for your email access too, which somebody may not be comfortable sharing

    Have collected 35K cred coins. But my personal redemption choice is 5000 inr ixigo promo code on burning 2lacs coins ( valid for 93 more days). I hope they don’t preclose this offer.

    Reply
    1. Siddharth Post author

      Yes, Ixigo voucher is best indeed, hope to get sometime soon 🙂

      Reply
        1. anshul

          is it transferrable? I have already made new year plans but wanted to gift this to someone else.

          Reply
          1. Ebin Johnson

            They mentioned “no terms and conditions”. So it should be

      1. Shashank

        I’m bit reluctant to share my personal email id.Is it safe to share personal email id?

        Reply
    2. Gagan

      Just a correction, don’t think there is any limit on number of Credit Cards which one can add; I have got 12 verified without issues.

      Reply
      1. Hari

        I am unable to add more than 10 cards. What I understand from their FAQ is if the cards are pre-loaded the limit does not apply. But, if we add them, then 10 is the limit for now.

        Reply
        1. Gagan

          Yes Hari. In my case already had 10 cards pre-loaded and then added 2 more and worked fine.

          Reply
  7. Malavkumar Patel

    Hello Sid,
    1. Can i pay any Credit Card bill with Debit Card via Cred app?
    2. If first is yes then can i pay my Amex CC bill with HDFC debit card via CRED App?
    3. If second is yes then can i get 1% cashback to my HDFC Debit Card as HDFC Debit Card offers 1% cashback on spends with some HDFC Debit Cards, I mean does paying Credit Card bill payment considered valid merchant code for 1% cashback?

    Reply
      1. Sharathkumar Anbu

        HDFC Platinum debit card doesn’t give 1% cashback blindly on all spends. There are restrictions.

        Effective 15th May’17 you will get 1 CashBack point on every Rs. 100 spent on Telecom, Utilities.

        1 CashBack point on every Rs. 200 spent on Groceries & Supermarket, Restaurant & Apparels, Entertainment

        Maximum cap of Rs. 750 per card per month

        No cashback points for all other categories apart from the ones above.

        So IMO, No cashback points will be provided for this since these are just payment apps. You could try paying 1000 rupees and check your reward points in 2 or 3 days

        Reply
        1. Siddharth Post author

          That’s correct. i can confirm that no points being added on HDFC preferred debit card. Yet, Jet debit card should still give JPMiles.

          Reply
          1. Malavkumar Patel

            You should do another article or add to this article about which Debit Card gives points while paying through Cred app, So people can double dip and earn points while spending and when paying back.

          2. Anoop E S

            I just paid RBL credit card bill using HDFC Jet Debit card. Will update on miles part

          3. Anshul

            I think I am getting points credited on my indusind signature exclusive debit card. Also for transaction size above 40k, it gives 6 points per 200 rs spent, which is around 1% reward rate (if you redeem amazon/flipkart gv from indusmoments), so a pretty sweet deal must say 🙂

          4. Vijit

            Can confirm that Jet miles are credited for payments made through the Cred app

          5. Tanveer Sure

            I am using JP MILES HDFC debit card to pay my bill via CRED but I am not getting JP miles credited in my account.

    1. Atul

      I paid using YES FIRST World Debit Card and I can confirm that I got points based on their usual criteria (which isn’t great) but this is something which I wasn’t getting earlier while paying CC bills so I will take it.

      Reply
  8. Satish Kumar Agarwal

    Just redeemed 2 kill the bill cards of 1000 coins each to receive instant CC credit of inr 48.

    Reply
  9. Malavkumar Patel

    So if i spend on SC Ultimate card, i get 3.3% reward rate and i can pay SC CC bill using HDFC Debit card and get 1% more and i will also be rewarded by CRED app, So basically i am getting close to 5% return on my spends.

    Reply
    1. Siddharth Post author

      Yes, even more than that at times if the offer is too good.

      Reply
    2. Hiren

      I don’t think there are rewards for using your HDFC debit card here. Did you get any?

      Reply
  10. Prakhar

    Amazing!! My only regret.. I just paid a 1lac hill yesterday. Opportunity missed

    Reply
  11. Shivi

    Now, now! The Experian score checked by me was 780 while the one displayed by CRED App was 852! What’s going on? Is the “exclusivity” stamp just an eyewash? Also, the email access to read “only credit card statements” is like knowingly opening Pandora’s box of troubles and compromising your financial and personal life! Just my two cents.

    Reply
    1. Datta1108

      Yes, I agree! It’s trap, its complete lie, they don’t need access to email to credit card statements, they are pulling this information from the credit card.
      Initially, I gave access than then read their privacy statements, but later reverted the access.
      Basically giving email access to them, they can easily read gmail emails, So your Privacy is at stake!
      Food for thought!

      Reply
      1. Prashant Gupta

        I also had the same thought. When they can pull out all cards through mobile number then why they need email access. As of now i have given access.

        If you click manage card one can see segregated expenses for travel, utility, food etc… wonder they will sell this pattern and we will get offers from tele marketers regarding these. This is the only way they can make money i guess. These days data is everything.
        One can see how crownit has also changed its model to surveys, uploading pics of detergents, soaps, etc you use.

        Reply
        1. Datta1108

          There are a lot of ways to make money with data, I completely agree with you.
          But they do get a commission from Credit Card companies for the payment! They are not doing it for free!

          Reply
          1. Siddharth Post author

            CC companies don’t pay AFAIK, or maybe they would, if this makes any sense for banks!

            They may probably use the data to create services on top of it.

        1. Shivi

          Lol! Don’t uninstall – just don’t activate that feature which asks for email access. It’s the first time in my life I am reading the privacy policy and T&C of any app!

          Reply
    2. Sumeet Gupta

      Also, There is a huge difference between cibil score and Experian score, my cibil score was 710, but credapp score was 811,
      Just like indialends shows cibil score of over 850, while in actual it’s just 720 of my colleague.

      Reply
      1. Sudhesh

        Hi,
        I unable to pay my credit card bill since I installed this app.
        Always payment gets failed
        Please suggest me what to do

        Reply
  12. Amann

    One query Sid

    Do they consider Cred as payment or as credit in statement? I’m asking as Yes Bank reverses/ reduces reward points for credits other than payments (like transaction reversal or VAT refund when you shop abroad).

    Reply
    1. Siddharth Post author

      Its a typical IMPS/UPI/NEFT payment, so they wont reverse points.

      Reply
        1. HTC Fan

          No. For Yes bank you will need to wait for one working day. I had made some payments last week.

          Reply
  13. Ebin Johnson

    Ixigo vouchers is very good. Burning points is for d lucky ones. Tried to burn 46000 and managed to get INR 191

    Reply
    1. Anoop E S

      whatever we are getting is good. We never used to get this before.

      previously we used netbanking or NEFT for making credit card bill payments and never got anything back. Now cashback by burning points plus gift vouchers and miles/ reward points from debit cards

      Reply
  14. Datta1108

    Thanks Sid! I have registered. The name needs to same, if there is any spelling mistake app would not recognize you. Till now I was aware of the CIBIL credit rating agency, just learned abt Experian/Crif. Looks like Experian score is equivalent CIBIL as both my scores are almost the same. Crif score, on the other hand, is way lower, not sure why!
    I have around CC payment to do, you mentioned its better to pay from Debit Card for additional benefits? What are those?

    Reply
    1. Nihar

      There are 3 major consumer credit rating agencies – Experian, CIBIL and CRIF along with Equifax. They all have different algorithms although broadly based on same credit parameters but with different weightage. And scores are in the order of Exp>CIBIL>CRIF ; but these scores should not be compared against one another. Only CIBIL can be compared with another CIBIL and likewise.

      Reply
  15. mayank sharma

    Am I the only one getting the message that you are waitlisted on registering.

    Reply
    1. Datta1108

      Seems your CIBIL score is low. They are waitlisting folks with less than 800 CIBIL score.

      Reply
      1. Siddharth Post author

        AFAIK, they aren’t checking CIBIL for now. They’re deciding mostly on experian.

        Reply
        1. Datta1108

          Might be! But I read a couple of articles on the App, where they mentioned this about CIBIL score. In fact, they have gone a step further and hire employees with CIBIL score of more than 800

          Reply
          1. Siddharth Post author

            They said their employees have Cibil>800, but not hired based on it 😉

      2. Zakir

        As per livemint “Cred will initially offer its product to only those customers whose credit scores are at least 750. People with lower scores will be initially waitlisted.”

        Reply
  16. Sudarshan

    Thank for the info. This can be useful for the future credit card payments.
    Yesterday only i paid approx. 80K for my HDFC and SBI credit cards.

    Reply
  17. Ashwin

    Now is a very good time to review the best debit card for 2018 and beyond. What cards are you folks using? I’ve a SBI Signature Debit card with no annual fee and 0.75% reward rate.

    Reply
      1. Ashwin

        The value of the points is cash equivalent, that is, Rs 0.25 per point. I can choose to redeem pre paid cash gift card, redeem by points at POS at Max, Lifestyle, Reliance Trends, etc. I can also choose to do mobile or D2H recharge, book cinema ticket, flight, bus etc. I gift a annual “free” shopping trip to my wife at Reliance Trends/Max/Lifestyle. With CRED, I think it will become a bi-annual shopping trip!

        The good thing is I get this card without paying any annual fee and without any requirement for savings balance. But Rs 25 Lakh NRV (demat, MF, life insurance, home loan or salary over 2 Lakh/month) is required.

        I see that Axis Priority Debit card is the best but they require an savings account balance of 2 Lakh and also we don’t know when they will stop giving the 10% cashback offer. SBI Signature debit card has no reward rate limitations and 0.75% is normal reward rate and not special limited period offer.

        I would request Sid to do a review of Debit Cards too.

        Reply
        1. Aarush Anand

          Hi,

          Have you claimed 10% cash back from Axis Priority Debit card? If yes, can you please tell me how to claim it as I have made over 1 lakh online payment using Axis Priority Debit card.

          Thank you

          Reply
      1. Prashant Gupta

        I have it….never used the card till date except ATM. Its a binus for me now….

        Reply
    1. Ankur Pathak

      Yes please review best debit card based on reawards. How come the reward rate of SBI Signature Card is 0.75. It gives 10 rewards for every 200 spend and each reawards value 0.25. So return rate is 1.25%. And after three transaction it gives 2x rewards. So you will get 20 reawrds points and return rate will go 2.5 % post three transaction of month.

      Reply
  18. Mouli

    Sid,

    If I say this app is awesome ,its an understatement !
    How long this app is in use?great one.
    Because of you we earned lot through credit cards and now because of you we are going to earn good amount in paying the credit card bill also. I wonder whats next in the pipeline ?
    I am checking all my debit cards for better returns
    Yesterday night around 10 pm I paid Citibank CC due but its still not reflecting.
    Someone mentioned that only who has score more than 800 are allowed to register, my score is 785.I think benchmark is 750

    Thanks,
    Mouli

    Reply
    1. Siddharth Post author

      Its out since past 1 week and it went to public on 26th Nov.

      Reply
  19. SH

    I am not sure how he is making through this. I read the TOI article and this is what it says: “We will think of revenues a year or so down the line”

    Reply
    1. Suresh

      Mostly financial products like loans, credit cards will be pushed to the customers, as they are going to have high credit numbers.

      Reply
  20. BhavyeG

    Hi Siddharth,

    Which will be the best Debit Card to pay CC bills on the Cred App? I paid using my Indusind Debit card Hi5 offer which gives a 500 voucher for doing 5 transactions worth Rs 1000 each. Thats a 10% reward.

    Thanks
    Bhavye

    Reply
  21. Srikanth V V

    My Experian score is 707 and my CIBIL score is 777. I got a message saying you are wait listed. So definitely they didn’t consider the CIBIL score. It is good that i got a credit card for wife couple of years back, we use it once in a while and her credit score is 822. Happily using it with her account.
    Paying with debit card seems to take a while (2-3 days or more) to reflect to the credit card. Any idea on when it usually reflects?

    Reply
  22. Rajat Mehra

    I keyed in the details and now the application is under processing. Not sure how long it will take.

    Btw, they need to up the mktg game….. i have a score of 860+ and never knew abt this launch till I read this review. I get helluva lots of card offers but never got any promo from them

    Reply
  23. SH

    Has anyone faced this? Apparently they don’t have my credit record with Experian. The app failed, and then I tried to fetch the record myself through Experian, and there was none.

    Reply
    1. Siddharth Post author

      Yes, one of my friend have this issue too as he’s just ~3 months old to credit system. But your’s should be different case. Try contacting experian.

      Reply
      1. SH

        Now it worked. I am not sure why it was failing. My Experian score is 850, so got that many points (my wife’s is 861 and she has far fewer CCs than I have). By the way I was getting a travel voucher of Rs 600 for 10 creds, which is cool.

        Reply
  24. ANKIT

    Installed the App…but still in doubt to share e-mail access since all our personal mails including financial one are at stake…Sid could you please elaborate on this since you had also given access of your Primary e-mail where all your cc bill statement generates….

    Reply
    1. Siddharth Post author

      I haven’t given access to email as i don’t need those features, at least for now.

      Reply
      1. Rajiv Kalia

        But I really don’t have the time to pay credit card bill at a particular time. So, I schedule payment using NEFT. Can we pre schedule payments even while using this app!

        Reply
  25. AJAI

    NOTE: Be sure to pay the CC bill’s 2-3 days prior to the billing date otherwise there can be issues. My payment for Diners Clubmiles has gotten stuck since yesterday and today is the bill date and now the dam HDFC netbanking is also down.

    Where as my AXIS Select bill was Credited within an hour yesterday itself. So this might be growing pains but certainly instant accreditation even with HDFC/ICICI/Etc maybe patchy in the initial days. As for the late fee charges I might get charged talking to HDFC customer care with a preferred status always gets them waved off.

    Reply
    1. Rahul

      Hi Ajai, I am a team member at CRED. Can you please drop me a message at rahul@cred.club, or contact our support team from the app directly, and we will get this checked immediately.

      Reply
      1. Amann

        Hi Rahul

        Nice to see you being proactive here. Do let us know about updates from your products. Will be adding paytm / wallets as payment option?

        Reply
      2. Rahul

        Hi Rahul,

        As a team member for CRED would like to know why would you want access to email accounts?

        Havent seen this request from any of the apps till date.

        It can be a deal breaker to download the app.

        Reply
      3. AJAI

        Thankyou Rahul for the suggestion but it has mostly been taken care off. I received a refund of the amount and have deposited the bill with net banking. The only remaining thing is to get a waver for the late payment which I will handle.

        Thanks again

        Reply
      4. romit

        Hi Rahul,
        My payment is stuck since 3 days, I made payment on 2nd April and my card due date was 4th. Could you please help, I have already reached out to the customer support through the app.

        Reply
        1. Isaac

          I too get the same problem like yours. Does your payment still stuck? Or its already reflected?

          Reply
  26. Ashwin

    The Bombay Shaving Co gift voucher is now revised to Rs 750 for the same number of points. They are showing their true colours now? I don’t trust them and have not given email access nor will give even if their is a bait.

    Reply
    1. Siddharth Post author

      Yes, i noticed that. Maybe too many availed it.

      P.S. Remember, we’re getting this just for paying bills. Meaning, something is better than nothing!

      Reply
    2. Rohit

      The ixigo 5K voucher was initially for 1.5 lakh points and a day later got increased to 2 lakh points, so yes they are revising these constantly.

      Reply
    1. Vijay Athreyan R

      They are not storing CVV. Just confirmed from their Chat support

      Reply
  27. Himanshu

    Paid my HDFC and yesbank card bill. Hdfc was instant while yesbank still payment is not reflecting. Got Rs 203 for HDFC bill payment.

    My Experian score is 865 while crif is 758. Shocked to see good score on Experian as no bank is reporting enquires made.

    Reply
    1. Amar

      I can’t Ixigo anymore after I redeemed 1 of it. How were you able to get 3 vouchers?

      Reply
      1. Mouli

        I redeemed 1 Ixigo voucher and cant redeem further, how you got 3 vouchers and you mentioned 3 different account,for the same mobile number you created 3 different accounts?is that possible?

        This limitation by cred is frustrating that you can redeem a voucher only once .
        If you make huge bill payments then except Ixigo vouchers you dont have any other options to redeem for 2Lakh points

        Reply
  28. Mouli

    Sid,
    There is a catch here the amount 170 you earned by using the scratch card is not applicable for customers from Tamil Nadu

    Reply
    1. Siddharth Post author

      They all got credited. I don’t think they’re limiting any offer location wise. Or do they?

      Reply
      1. Siddharth Post author

        Ignore it. It’ll work. Cross checked with our dedicated concierge at CRED 😉

        Reply
        1. Mouli

          Sid,

          Thanks for the confirmation and it worked for me also. I got the credit in my account

          Reply
  29. Ajay

    @sid whos DCB Brother for debit cards? Highest reward point to pay the bill.My debit card has never seen a swipe machine just the ATMs 🙂

    Reply
  30. Hiren

    On another note, it seems you can only purchase the rewards once. I got a BSC 1000 voucher and an UrbanClap voucher (5000 points -> 1000 Rs./-) however I still have balance points I can potentially burn, but can’t see these 2 vouchers anymore under rewards section.

    Reply
  31. Mayank Agarwal

    Paid Rs 5000 for ICICI CC bill just to test the things…payment credited instantly…and earned Rs 1000 as additional credit!

    Reply
  32. rajeev

    Tried out the app. Had some UI problems while doing sign up like next button not appearing after entering phone number. But things were smooth after retrying.

    It could map my phone number to fetch HDFC, Amex and SBI card but not Yes bank one which I later added manually.

    It showed my experian score as 827 and Cref 799. Does anyone know what’s the difference between the way two are calculated ? Not sure why cref is lower. Last time I checked my CIBIL score, it was 820.

    Reply
  33. Sanket

    Ive noticed for the Cred Expert feature one can only add gmail account. I get all my cc statements in my outlook account. I probably would not want to give the app access to my outlook anyways but Im thinking if I simply forward the statement related mails to a throwaway gmail account would that CRED Expert feature still work?

    Reply
    1. Siddharth Post author

      Yes, that should work. Make sure to do auto forwarding than manual.

      Reply
      1. Animesh

        I wonder, why they need email access for card statements? Suppose, they got access to email, now how they are going to access those statements? Credit card statements are always came as encrypted with password. And Amex never sent statements in email as attachment. They just sent a notification.

        Reply
      2. Hitesh Kakkad

        Auto forward is not working.. I’ve tried already..

        Created new email
        Fwd all cc statements by using auto forward
        Stmt received.. But not detected by cred..

        Then liked the actual account & it read instantly..

        Reply
  34. Zakir

    Many CC holder including me here reluctant to give access our email account to Cred. Sanket’s idea of a separate email account is really good. If it works we will able to share statements without compromising our personal data.

    I think Cred should come with an alternative solution otherwise people may not use Cred as expected.

    Reply
  35. Anuj

    Dear Sid, its always a pleasure to read articles like these.
    Which debit card would you and Dr Roy suggest to pay these bill to get the maximum value.
    Cheers

    Reply
  36. surya kiran

    With Cred, we can pay credit card bills by debit cards.Why can’t you make a blog on best rewarding debit cards or mention in the comments 😀

    Reply
      1. AJAI

        +1 about the most rewarding debit card list.

        I too have upgraded from Preferred platinum debit card to a Jetprivlage debit card “FYF :)” specially for this reason.

        Reply
          1. Gagan

            I think he meant “First year free” buy FYF. Leant from HDFC website.

  37. Ramesh Padmanaban

    Thank Siddharth for the new find. I installed it and was able to access the map. I updated the app. Later, while logging in, it is asking for CRED Secure password. I have not given any password. Does anyone experience the same problem ?

    Reply
    1. Omkar

      Hi Ramesh, it should be the password you routinely use to unlock your phone.

      Reply
      1. Ramesh Padmanaban

        Thanks for the reply. I normally use a pattern to unlock the phone but here it is asking for a numeric password. I have escalated the issue to CRED support.

        Reply
        1. Ramesh Padmanaban

          The support team asked me to enter new password twice and problem was solved. Thnx

          Reply
  38. Sameer Khurana

    Fantastic concept of rewards against credit card bill payment. However, this makes me wonder how these guys would be earning. Also just my mobile number is enough to get my credit card details? This scares me.

    Reply
  39. Raj

    What are the credit card score ranges for Experian and Crif? It’s weird that in the app my Experian score shows 900 and Crif 770.

    Are these even real scores?

    Reply
  40. Arjun Jayasimha

    Has anyone tried the redemption of recliner on Furlenco or 10k on urban ladder? What are the terms and conditions of these redemptions?

    Reply
  41. Anitha

    I tried this app. I have entered my name and phone number initially. But it says i am ‘wait-listed’. I will be informed if there are any slots to add me. What is this? i don’t understand. What slots they need. Is it restricted membership kind of app. Somebody through some light on this issue.

    Reply
  42. Rajesh Kodityala

    Thank you Sid. I have many such apps but didn’t take risk to give the credit card details.. As i am following you from long time with trustworthiness of you i installed app. And got 896 points, so it seems i have good credit score.

    Reply
  43. Prashant Gupta

    I only got a discount of Rs.627 on the order for a voucher value of Rs.750 for Bombayshavingcompany……strange

    Reply
    1. Sharathkumar Anbu

      You won’t be able to pay tax component using that voucher.. Taxes has to be paid by real money

      Reply
    2. Priyank

      Better you add one face cream/ face wash as well and use my Referral code along with the gift voucher ‘PK3IKA’ to get extra Rs. 200 off.

      Hope it helps.

      Reply
      1. Priyank

        If you are able to get Rs. 1000 voucher. One of the best way to redeem it would be –
        (Combo of Face cream + Face wash) + ( Pack of 4 soap) = Rs. 1290

        Now use the welcome voucher from Cred and Referral code mentioned above.

        Net total you’ll have to pay will be just Rs. 90

        I hope you all make the best use of this 🙂

        Reply
  44. ankit verma

    I applied for CRED and it shows me in waiting list… how much time will it take to move me from waiting list to a registered user.

    Reply
  45. Priyank

    Hi Sid,

    Can you please confirm if there is any expiry to these Cred points?

    So that we can plan to accumulate and use to get max benefit appropriately.

    Thank you.

    Reply
  46. Prabhat

    Hi Sid,
    Thanks to introduce us to this new App. I have installed and joined. My experian score is showing NA but CRIF is 805. I have got 885 Cred point and Rs. 600 discount voucher offer on Ixigo.

    Reply
  47. Nihar

    It would be interesting to see how dynamic they are with regards to this Credit Score part , as it is based on historical creditworthiness ; anybody with 800 score on Experian can also default in future . What CRED needs to do is periodically check for the scores of registered users / wait-listed users and be dynamic .

    Reply
  48. Prashant Gupta

    i have Axis priority debit card. It has an offer of 10% cashback upto Rs.2500 per quartre if one spends above Rs.20000 online except wallet payments. I have never availed this offer though as i am a credit card guy. Lets see if i get the cash back.

    Reply
  49. Varun

    Thanks Sid for updating us on this wonderful app. Installed the app. My Experian score is 820. Paid around 4.5 Lacs of pending bill. Redeemed for 2 ixigo 5k voucher and cash of about 234 rs.

    Reply
    1. Mouli

      Varun

      I redeemed only one ixigo voucher for 5k then I am not seeing ixigo option, how were you able to get 2 vouchers and when you did the redemptiom ?

      Reply
  50. Vaibhav

    does a ny axis or hdfc debit card give cahsback points on paying credit card bills on this app?

    Reply
    1. Srikanth V V

      Hdfc it didn’t give any cashback points. I have tried twice with hdfc platinum debit card

      Reply
  51. SHILADITYA CHAUDHURY

    I will try out this App.
    But please be aware of providing permissions to your emails. It is really scary to think of how that can be misused. No point in sacrificing privacy and security just for a little convenience.

    Reply
  52. NIKHIL GUPTA

    Got 889 Points as initial Setup reward equivalent to my Experian Score redeemed 600 ixigo voucher for 10Points 😁, didn’t enable Email access, have another doubt in my mind , for my SBI & Citi card it asked for only 6 digits but for ICICI & Yes Bank it asks for entire 16 digits , why is it so?

    Reply
  53. Dipesh Saraf

    which are the coupons/offers which can be used redeemed repeatedly ? in the rewards section.. looks there is considerble restrain on the numbe of time the coupon can be redeemed…

    Reply
  54. Mohan

    Did anyone benefit by paying thru debit card, i try on HDFC and YES debit card, no points.

    Reply
  55. Abhi

    Sid, it seems like you and everyone else are comfortable handing over CC number to a third party (on a platter) Am I the only one who feels paranoid about it ? How safe is it to share CC number (which we are NOT suppose to share) ? Payment gateways are different thing, we can still trust them (I don’t even save my cards on any websites, that is why all my Amazon orders are postpaid)

    Reply
    1. Jas

      Hi Abhi,
      There are people who dont want to buy credit cards at all and then there are some people who want to enjoy the benefits of using a cc. Same product different people different perspectives.

      A credit card number without exp date and CVV is not harmful and moreover even if the card number getting misused you can raise a complaint with the CC company and they would reverse the transaction as all the CC transactions are usually approved and posted on the card in t+2 days.

      If we are getting the rewards at a rate which is more than 5%, i think it is worth the risk.

      If you think that CC company would not be responsive to your complaint.. get an AMEX and then use it here:)

      Regards Jas Singh

      Reply
    2. Siddharth Mehta

      Credit card number without expiry date and OTP/secure password are useless to them, nobody can misuse the card. Even if they do, as mentioned in the previous response you can raise a dispute with bank and get them to reverse the charges. I was amazed to see your last line. You have never used credit card offers on Amazone? By postpaid, I believe you mean use COD always. I would say you are being overcautious here. With 2FA, India issued credit cards are one of the most secure ones.

      Reply
  56. UnderstandingCredit

    Hey I won Rs. 554 in one shot for 15000 cred points… super happy 🙂

    Reply
  57. Anirban

    Interesting app. Went for the bombay shaving company gift card of Rs 750. It seems a trial based offer and now that i availed it, its no longer there. Will go for the other ones as well .

    Reply
  58. Dev

    Hey! I wanted to know that the payment i will be making will be reflected on what name in my debit account? Like the app or the Credit Card Bank?
    Please help

    Reply
    1. Sharathkumar Anbu

      In my account, it is shown like “Dreamplug Technologies PV”, Sometimes “PayU”

      Reply
  59. Madhusudhan

    Those who have given access to email with a dilema, can delink the access with a built in feature of cred app. This can be done through profile-settings- delink email.
    I have done this .

    Reply
  60. Sarthak

    This is some next level insanity! Thanks a lot Sid for sharing this!!!

    I installed it a couple of days back. Redeemed and used vouchers of Bombay Shaving Company (750), Urban Clap (500), The Moms Co. (500), The Mans Company (1000; no shipping charge :-D), BMS (250).

    When I checked yesterday, saw that they had 1 more voucher of Bombay Shaving Co., (1000) and Urban Clap (1000). Redeemed and used them as well.

    That’s not it. Got 2 x Ixigo vouchers (600+1000), Bombay Shirt (1000) and DriveU (500).

    So got items/services worth 5000 for just paying my CC bill worth 50K !!!!! That’s 10% value back already and yet to redeem 6% more. Overall 16% value back. MIND BLOWN!!!

    I hope Jet Airways doesn’t go out of business as I’m planing to upgrade my HDFC Platinum Debit card to Jet Airways one.

    PS: I didn’t give them email permissions and never will.

    Reply
    1. Anirban

      Thats cool. I didnt find that 1k bombay shaving voucher in the app. Already availed the 750 one. Lets hope it pop up soon for me as well. Excellent find Sid…. thanks.

      Reply
  61. Ashish Nikhare

    My Diners Clubmiles Credit Card Limit was increased by a mere Rs. 23,000 /- after sending a copy of my Indusind Bank Legend Credit Card at their Chennai address, whose limit was recently increased to Rs. 7.25 lakhs. Struggling to get Rs. 5 Lakhs Limit & upgrade to Black as well.

    Reply
  62. Satish Kumar Agarwal

    Got 445 jp miles today for paying 33445/- worth card bill through Jet HDFC debit card on 27 november.

    Reply
  63. dhara

    This is strange no one talking about privacy !
    When we sineup we are giving permission to access our Credit score and report from three different buro like CIBIL, Crif, Experian for 12 months on behalf of us this is major point but every one ignoring this these are the same people who talk about Aadhaar Data privacy

    Reply
  64. Priyank

    Does anyone have an idea, under which merchant category/ code does Cred app payment (PAYUDREAMPLUG) fall under?

    Reason for asking this – we can maximise our benefits further by using appropriate debit card.

    Please advise.

    Reply
  65. Aayush Chawla

    Hey,
    This app is great, I’ve already recommended over 10 people to join, unfortunately they don’t have a referral program 😀
    It’s better to redeem the points ASAP as they have started devaluing the redemption.
    Example: BSC now gives a voucher of 750 instead of 1000.

    Regards,
    Aayush

    Reply
  66. KRISHNAKUMAR

    Ixigo Voucher of Rs 5000 gone. Only Rs 1000 and Rs 600 is seen now.

    Reply
    1. Sharathkumar Anbu

      Nope. I still see the ixigo voucher of 5000 Rupees. May be if you have redeemed the 5000 rupees voucher already, it may not show up.

      Reply
    2. AJAI

      Mine increased from 90days validity to 120days so I have another month to gather points for the 5000 off

      Reply
  67. Vimal

    Experience Of CRED Customer care:

    Wanted to know the validity of CRED points so dropped them a message from the App.
    Was pleased to get a call back from customer executive, who had answers to all my queries, was forthcoming on my suggestions to show validity in the app itself for expiry of points. Exiry is FIFO method. Also, the conversation was very much on the lines of Amex Customer support- knowledgeable, warmth, open to suggestions! Hope they have similar executives which would be an enriching experience to use the App.

    Reply
  68. Sravan

    Has anyone used bookmyshow voucher? I am getting an error that the coupon code is not activated.

    Reply
    1. Srikanth V V

      If you trying it in the “Credit Voucher” section, it won’t work. Instead you should click “Unlock offers or Apply Promocodes”-> “offer codes” and then apply the voucher there.

      Reply
  69. Shahil

    I am giving away The Man Company coupon worth 10,000 CRED points which will get you Rs. 1000 discount on their website, but you will need to spend 1,750 to redeem this coupon. I bought this by mistake and didn’t knew there is a condition on this, hence giving away the coupon so that someone who might actually be using their products may get this discount.

    The coupon code is : CREDTMC-2vm8an

    Regards,
    Shahil

    Reply
  70. Amar

    Guys – need to know if any bank debit cards are giving reward points on payments through CRED.
    I tried payment using my Citi Gold debit card, but they are not giving points on transactions where it says CRED or Dreamplug. On a couple of smaller transactions, where the name was payu, I got points but now all transactions come as CRED.
    How about ICICI, HDFC etc?

    Reply
  71. Saurabh

    CRED coins will expire automatically after a lapse of 90 days from the date of allotment.

    No matter you pay 50k or 10 lac per month, burn the points quickly as they are valid for 90 days only

    Reply
  72. Jayesh Kumar

    I believe the best payment option is via CitiBank Priority World Debit Card, gives 1.33% cash reward. Citibank has a referral program as well, if interested get in touch with me.

    Reply
    1. Priyansh Modi

      Would be interested for sure. Though I guess there would be some high min balance requirements?

      Reply
    2. Ashwin

      Are you getting points for CitiBank Priority Debit Card? Read the comments here that Citi Gold debit card does not get any points. Can you tell more about the referral program as well?

      Reply
  73. Pratik

    Thanks Siddharth!

    With your help and introduction to cred i was able to pay my bills and redeem Rs.5000/- ixigo flight ticket voucher.

    Ps. Because of you I now have 7 credit cards and miles to Travel world.

    Reply
  74. imran

    they have added sunburn festival vip pass worth Rs. 9999/- for mere 75000 points. that’s cool. i

    Reply
    1. Satish Kumar Agarwal

      Me too. already got 445 & 319 jp miles in 2 shots so far via this Jet HDFC debit card. Hope they don’t stop rewarding jp miles here anyime soon.

      Reply
      1. Anshul

        It takes 40 working days for JP miles to reflect in JP account for spends on HDFC Jet Debit card.
        How are you able to check so early?

        Reply
        1. Satish Kumar Agarwal

          Via Jet Privilege app I see jp miles posted in approx 10-15 days.

          Reply
          1. AJAI

            Where is this app located?

            The only app I can find on the Play store is JetAirway which does have a Jet Privilege section but it does not show anything till now “been 20 days after transactions”. Do guide as to where to see/download the app.

            Thx

          2. Anshul

            I don’t think there’s any jetprivilege app. Can you share some more details of what you’re talking about?

          3. Satish Kumar Agarwal

            @Ajai n Anshul

            Sorry for mistake. I was actually talking about Jet Airways app. On selecting jet privilege option under app, further select activity details. On this page I see the miles posted on 02.12.18 for cc payment done on 27.11.18. My debit card is Jet Mastercard variant. Thats pretty fast.

        2. Anoop E S

          Nope. The payment made on 9th December, I’m seeing today on 19th December (don’t know when they posted it) with value date 14th December.

          Reply
  75. Amann

    Hi Sid

    I suggest you use DCB debit card (No, not dinner debit card). But if I’ve seen a debit card worth using here. It’s this.

    It’s from DCB Bank (or Development Credit Bank) and I suggest you take the family account. Rs. 1 lac min. balance to be maintained accross upto 5 savings account.

    What you get
    1.6% cashback on debit card spends up to 2,000 pm. Max 20k annually. This means 20k x 5 accounts = 1L annually just for using a debit card. If you don’t want family accounts you can get the same benefit (20k) at 50k min. balance as well (elite account).

    Sid, I believe they have branches in Salem as well. Do check it and let me know what you think.

    Reply
    1. Siddharth Post author

      Great find Aman. Yet, i’m not really interested in adding more accounts as managing existing accounts itself is taking quite a lot of time these days.

      Reply
      1. Amann

        Hi Srikanth

        Cashback is given in the month after end of the quarter. Will let you know in Jan 2019. I’m fairly certain of getting it.

        Reply
          1. Priyank

            Hi Amann,

            Any updates on this?

            I have got just the interest credited to the bank account.

            Can you please let me know usually by what date will the bank credit the cashback?

            Thanks

          2. Srikanth V V

            Hi Amann
            Did you get the cashback using the DCB card here? Seems like many people are waiting for your answer.

    2. Priyank

      Hi Amann,

      Can you please confirm if the 1.6% cashback is applicable on making transactions using Net Banking and NOT Debit Card as well?

      Thanks.

      Reply
      1. Venkat

        No Cashback given by DCB bank in April for the quarter Jan to March? Any one is still getting the cashback?

        Reply
        1. Abhishek Roy

          Already received cashback for Jan-Mar on 2nd April, 2019. Spend ONLY through Debit card, not through NetBanking

          Reply
      2. Abhishek Roy

        NO. It is valid ONLY on debit card spends of Elite Savings bank account. Not on Net banking.

        Reply
  76. vatsal agarwal

    The redeemable rewards seem extremely dynamic. I saw the rs. 1000 Bombay shaving company voucher on one day. Next day i paid my bill and went to get it to find that there were no vouchers left!!?? Witnessing a lot of churn in the options available. Hoping to see the bsc voucher again soon though..

    Reply
  77. jitendra kumar saraogi

    i paid icici bank card thru axis bank debit card on 3/12 but same was credited on 7/12 thru upi and late payment and interest are also debited due to late payment.whereas i see below in above article-

    Instant: HDFC/ICICI/AXIS/SBI (payments processed via IMPS/UPI)

    so please if anybody can help.

    Reply
    1. Shivi

      I have the same issue. Payment made via HDFC debit card towards HDFC credit card on December 14 is still not reflecting as a credit.

      Reply
      1. Isaac

        Does it reflect already, Shivi? I have the same problem like your. I would glad if you reply

        Reply
    2. Ashwin

      Though it is supposed to be instant with HDFC/ICICI/AXIS/SBI, I see that it can take upto 2 working days (sat/sun is excluded) for payment to be credited and reflected in your account even for my ICICI and SBI card. I would suggest you to pay 3 days in advance for ICICI or pay directly using ICICI debit card.

      Reply
    3. Amex Guy

      I don’t see how can it possibly be instant if you’re paying with a debit card, unless CRED gives you a short term loan. When you pay with debit card, it can take upto 7 days (usually 2-4) for CRED to get your money, they can then IMPS.

      I’m fairly certain for instant transfer you need to use net banking.

      Reply
      1. Siddharth Post author

        Yes, CRED uses its funds from escrow to credit the user ac instantly. They actually get funds in ~3 days, even for net-banking payments.

        Reply
        1. Ebin Johnson

          I use Citi debit card to pay and the payments are getting reflected next day for Amex. The amount in Citibank account is earmarked. Question is – will we get interest for this amount?

          Reply
  78. Sanjay

    hello Vatsal
    yes your right it is dynamic ,same thing happened to me ,while looking for bad voucher rewards

    Reply
  79. Sumit Kumar

    Payment deducted but not credited to credit card. Poor support from customer care service.

    Reply
    1. Sharathkumar Anbu

      I don’t accept the statement of poor support from customer care service. When I faced an issue with payment, they were following up every day and keeping me posted on what is happening and resolved the issue as good as possible.

      Reply
    2. Shivi

      Payment is taking 3 working days to reflect under card statement. Hold on to your horses!

      Reply
  80. Ashish Nikhare

    Sid, you have an Indusind Exclusive debit card. Have you tried paying with it. Are you getting 6X rewards with this card ?

    Reply
    1. Abhishek Roy

      Yes. I can confirm that I got the points for my CRED payments. In total, maximum points that you can earn is 3000/card/month.

      Reply
      1. Shivi

        I used that card and didn’t get 3k points; got 2.5k. Sent an email to Exclusive customer care. Awaiting reply!

        Reply
      2. Abeer

        Can you confirm how long does Indusind take to credit points for debit card transaction done on CRED. I think I’m not getting any points for CRED transactions on my platinum plus debit card. I had done a transaction on CRED on 7 Feb, still points are not credited 🙁

        Reply
        1. BhavyeG

          They are not giving points anymore on Cred transactions

          Reply
  81. Ashwin

    I don’t want to use my Bombay Shirt Company Coupon. Here is the Rs 1000 gift code: OD7894
    🙂

    Reply
      1. Sharathkumar Anbu

        Hurray! I got 1000 rupees cashback on burning 1000 points to my HDFC card. I just can’t believe this!

        Reply
  82. SRIKANTH NALLA

    total benefits from this cred till today 25K ..Enjoyed this cool app

    Reply
  83. ravi shankar nagar

    oh god cred removed 5k ixigo voucher?? yesterday i saw but thought next day i redeem as i got 200k coins but this morning shocked how they removed it?? is there any chances to get back offer

    Reply
    1. Sharathkumar Anbu

      I think the Voucher gone out of stock. It came back again today.

      Reply
      1. Ashwin

        I checked today and it was there. The moment I paid a bill and hit 200k coins it disappeared for me.

        Reply
    2. Prashant Gupta

      Its not there now. Was there for only 2 days….i really wanted to redeem for new year. Would have saved 5K Rs. 🙁

      Reply
  84. Amann

    Seems they are on a roll giving everyone Rs. 1000/- cashback. Merry Christmas indeed. 👌

    Reply
    1. Siddharth Post author

      Cool. Rs.236 is the max i’ve got so far in single redemption!

      Reply
        1. Sharad

          I got 1000/- just now, its refleting my reward history but didn’t receive the sms confirmation. Generally, I receive sms confirmation for all reward earn transaction. Any catch???

          Reply
          1. Shivi

            Maybe you have to send them 900 INR before getting 1k in your account :p

          1. Aryansh

            150 in each transaction is quite good, I only get in range of 11-16 bucks in 95% transactions. While minimum is 7 and maximum is 48. More than 20 transactions.

      1. Abhishek Roy

        I’m jealous of this ₹1000 rewards. I usually get ₹14, 12,45 such meagre amounts. But still I’m happy. Something is better than nothing. 🙂

        Reply
  85. Sharathkumar Anbu

    Hi,

    I am giving away the Voucher for website bhaane.com, If any body needs please use it.

    Voucher code: rm0pibwx1u (INR 500 gift voucher)

    Thanks

    Reply
  86. Atul

    If anyone is interested in Grofers 10% off then they can use the below code:
    GRF3D3V6XKC

    Reply
  87. Satish Patil

    If someone wants to use the Bombay Shirt company voucher for INR 1000, here is the code : 081E7B

    Cheers

    Reply
  88. Ashwin

    I am giving away the Voucher for website bhaane.com, If any body needs please use it.

    Voucher code: j7ck52526a (INR 500 gift voucher)

    🙂

    Reply
  89. Shahil

    I got a MarQ 32″ LED TV for FREE with the new year offers using 10,000 CRED points. The LED is worth around 10,000 rupees!

    This was my best redemption ever with CRED.

    I run a home appliances showroom, where I will probably sell this LED for 10k cash.

    Yay!

    Reply
  90. Amann

    Cred seems to be losing its charm. The app says new rewards everyday at 11 am but there are only the same old ones….

    Wish they added new rewards which we can actually use. Not the current list of unusable vouchers.

    Urban ladder, Airbnb, UberEats, Freshmenu, Myntra, Stylecracker, Caratlane, Bombay shirt company, Flyrobe etc.

    All these & more aren’t of use to me. The only voucher that may be of actual use could be the Ixigo voucher which is limited to flights.

    Reply
    1. Ashwin

      You are right. I now use the CRED only for the Kill the Bill and for the fact that I can use my Debit Card (can earn points).

      Reply
        1. Ashwin

          I’ve a SBI Signature Debit card with 0.75% reward rate. I can tell that I definitely get points for CRED transactions.

          Reply
          1. Siddharth Post author

            Are you referring to the one issued with Exclusif ac?

      1. Sanjay

        I tried Yes Bank and SBI debit card, earned points on none. Which card gives points on Cred payments ?

        Reply
        1. Atul

          Yes First World debit card definitely gives points. I have confirmed it.

          Reply
        2. GTMAX

          Yes Bank Debit cards do earn points but it is extremely low with 0.125% reward rate.

          Reply
  91. Yogender

    Seems kill the bill is now restricted. I made multiple payments but got just one cashback for 1000 coins

    Reply
  92. Bhaskar Kalepalli

    Hi,

    I made a credit card payment through ‘Kill the bill!’ option, the status saying failed, but amount got deducted from bank account and Today is the last due date for my credit card payment.

    Could you please help me on this, my Txn id: WDKQPV15Y7.

    Reply
    1. Amann

      Check with Cred Bhaskar. Only they can help you. Also, have you set up instant refunds?

      Reply
  93. SeethaRaman V

    If anyone is interested in Grofers 10% off coupon, then use mine below:
    GRF1V7LJQ2L

    Reply
  94. Prashant Gupta

    Useless vouchers now…..me and my friends used the blue tokai voucher. The cafe knew about it and redeemed it instantly for any coffee on menu. So saved around Rs250 for 2000 points.

    Reply
  95. Raghunandan

    I made a payment on 31st Dec for 1.25 Lakh but my payment is not reflecting with Standard charted. Be aware.

    My ‘Kill the bill!’ credit for 3 transactions is also pending. I get elusive replies and all good vouchers are gone.

    Be aware for a small bait we should not end up paying late fee and penalty interest and taking a hit on our credit score.

    Reply
    1. Amit

      I have also paid 11k to my citi card and it got stuck. Now they are not reply to my emails. Just sending automated emails every time I raise ticket which is good for nothing. Now I am charged with LATE FEES.

      Reply
  96. Priyank

    The 1.6% cashback from DCB Bank – Elite Savings account has been credited to my account today.

    Happy to know this 🙂

    Reply
    1. Amann

      Got 2000 per month credited to all my family accounts 😊. DCB family debit card 👌

      Reply
  97. AJAI

    Grofers GRF2S4L0QOI “10%”
    Ixigo CRD9WXVN9P “600 off”
    Bombay Shirt Company 731DAP “1000 off”

    If that ixigo 5000 does not come soon i will cash-in all the points in a few days.

    Reply
  98. vicky

    I have made a payment of 12k towards my hdfc bank credit card through cred app.
    tomorrow is the due date for the payment. How long will it take for the payment confirmation from hdfc? i dont want to pay any late fees.

    Reply
  99. Sharathkumar Anbu

    CRED Customer care has gone very bad now. Now there is no live chat and only email support. I raised a ticket on December 28, 2018 and I haven’t got any reply yet.

    I am just afraid to make bill payments going forward in this app. What if the payment is not credited and no body is responding to customer tickets like this? Last time when I had payment issue, Someone from CRED team was following up with me via Call and keeping me posted and I really liked such customer service.

    And now, it’s completely opposite. Getting poor day by day. Don’t know where it gonna end.

    Reply
    1. Siddharth Post author

      You can tweet to Kunal directly on worst case scenario 🙂

      But generally speaking, payments can never be a problem. Either it gets credited to card or gets refunded. Only problem could be “delay” at times.

      Reply
      1. Sharathkumar Anbu

        The “Delay” is the bigger problem for many of the people. I generally clear the dues at least 5 days before the due date but the problem is the frustration we get when no body responds to the tickets raised and no response even after a week.

        That’s a very bad customer service IMHO

        Reply
        1. Ramesh Kumar

          I’m also facing similar issue, but status shown as credited to bank. Raised ticket, not no response to now.

          Reply
          1. Ramesh Kumar

            For me it’s credit on third day, so issue is solved for payments done till now. For the raised support ticket got kind of template message, after 5 days saying revert to us if still issue persist. In order to avoid late payment charges, I have decided to make payment 4-5 days before due date if using CRED app, so that some kind of assurance will be there on receiving card payment before due date.

            Yes, their just ~1.5 month old and maybe usage volume of CRED app might be beyond their expectation, so internal technical issues due to huge volume bond to happen. But they can improve their support team in giving proper tentative dates by when they’ll come with resolution.

          2. Siddharth Post author

            I checked with CRED on this. They’re equipped well to handle high volume, but i was said this issue was related to payment gateway.

            P.S. Have updated the article with safety/security/payments related info.

      2. Pravallika

        Hi Siddarth,
        My payment of 25k got failed and I got the pop up saying ‘If money is debited from the bank account, refund will be done within 7 days’. Money got deducted. But there is no information about the failed transaction and refund status in the my app. What can I do?

        Reply
        1. Karthik K

          Hii, mine is the same situation and it’s 1st business day after the transaction failed for 25k, can you please tell me after how many days you got the refund?

          Reply
  100. Surya

    HDFC Jet Debit card has stopped giving miles I guess 🙁 Made transactions on Dec 20 & 22, but miles not credited until now. It was crediting until Dec 19. Has anyone received miles after Dec 23?

    Reply
    1. Siddharth Post author

      They did not stop, but they’re taking longer than usual. These take it takes ~10 days to reflect, earlier it used to be within a week.

      Reply
      1. MOHAN

        No, seems they stopped, I almost paid 10l worth credit card bills using credit on Dec 16, till now no miles posted. I’m checking the miles on jet airways app on privilege section

        Reply
        1. Siddharth Post author

          I did txn after Dec 16 and still got points. Well, it appears that HDFC monitors high value txn on debit cards too, just like credit cards as someone other day said he didn’t get points for his high value car purchase.

          Reply
          1. Sharathkumar Anbu

            I didn’t get reward points in Indus Ind debit card for transactions which says “RAZ*CRED, 404, UPHAR CMumbai”. I asked the customer care, they said that the transactions are marked as not eligible. I have raised a ticket to understand about what is the problem and why those transactions are excluded from reward points

            2. I got reward points for the transactions which says “PaymentsPayU Mumbai”, “CRED Bangalore”, “Dreamplug Technologies”

            So they might be using different payment gateways and with one of the above Razor pay payment gateway, there seems to be some issue with reward points. Waiting to hear from IndusInd customer care.

    2. Satish Kumar Agarwal

      I have received jp miles for payments made on cred till 26th december on 2nd January.

      Reply
  101. Anirban Roy Chowdhury

    Running out of options now on how to burn the cred coins. 🙂 Ixigo 5k voucher is also gone. The remaining ones are not that attractive. Cred needs to bring in more reward options to get the charm going i guess. But anyway before cred we hardly imagined credit card payments will bring in some value as well.

    Reply
    1. Manu Vikram Singh

      Cred has very few value for money rewards options other than Urbanclap as of now. However, I wrote to their team suggesting to bring in Uber and Zomato vouchers. To my surprise last week after making payment via CRED I got the option to burn coins to get Uber gift voucher and I happily took it. Its much more useful than many other options available currently.
      Next on my wish-list about which I am definitely going to write to them are vouchers from
      Amazon, Flipkart, Makemytrip, Yatra, Bigbasket.

      Guys please feel free to add more to above wish list.

      Hope to see Cred come up with these options soon.

      Reply
  102. bhunesh

    i have score of 879 on experian and still on cred i am on watchlist… can any one help me out…

    Reply
  103. Surya

    Is there any upper cap for Jet HDFC debit card, as like Jet ICICI Sapphiro card?

    Reply
  104. Maulin

    My payment to cred failed on December 20th but the amount got debited from my bank. The customer support has claimed to have already sent the refund and they have given me 2 different reference numbers. My bank is unable to track either of the reference numbers. Now they have stopped live chat and moved to a ticket based system. I was supposed to get a reply from them to my ticket in 24 hours but they haven’t gotten back to me.

    I have emailed and tweeted Rahul about the issue. I am quite disappointed with their service. If they are slow in processing refunds, it is going to be a real problem for people who have tight cash flow.

    I will reply to this comment if I get any updates from them.

    Reply
    1. Maulin N Tolia

      Update on jan 5th – Rahul called me in an hour of emailing him and the matter was resolved. He acknowledged it was an internal issue that they should have detected earlier.

      I am happy that Rahul responded and tackled the issue quickly. I will continue using the app but they should improve their regular customer support channels.

      Reply
  105. Manoj Pandey

    I made the paymet of yes bank credit card payment is deducted from my account but did not get confirmation still payment is neither credited in my yes bank card account nor reversal in bank account no way to talk with customer care to solve the problem i log the complaint throgh chatting option but no response got till now I am comfused what to do ???????????????

    Reply
    1. Siddharth Post author

      Appears that the issue has been solved now.

      P.S. Its safe to do the txn a week before due date.

      Reply
  106. Pratibha

    Nice app, but what’s the difference btwn this app and mobiwik app and cred same process where money would be in form of voucher on luck refund/reward would be received, wherein if u check phonepe and Google instant refund in bank account. Sir why do wait for luck instead believe in getting instant reward for Ur transaction.
    Regards,
    Pratibha nayak

    Reply
    1. Prashant Gupta

      Cred is totally different from MobiKwik. Mobikwik and phonepe are wallets where as cred is a card payment app. U get points from payment which can be used to get vouchers. MobiKwik is the worst wallet of all and phonepe does not allow to load momey through credit card again a useless wallet. Paytm is the market leader and best and now they have started postpaid again and market first and killing feature. U can use it as a credit to make payments and clear dues later.

      Reply
      1. Gagan

        Paytm Postpaid is for selected users only I think. Also not really market first – already have Lazypay, Simpl, PayLater etc being there.

        Reply
  107. SH

    Today I redeemed an Urban Clap Rs 500 voucher, and got a Swedish massage at home. The price is 1099, so I had to do a 599 out of pocket expenditure. It was an hour long session and so rejuvinating.

    Reply
  108. Manu Vikram Singh

    Voucher giveaway, please use if any one needs

    Ixigo – Rs 600/- Instant off
    Code: CRD2CVD0AV
    Expires on 17th Jan

    Grofers – Flat 10% off
    Code: GRF9FJEFBNX
    Expires on 31st March

    Reply
  109. Chasin

    I have recently sign up for CRED app, but it is showing I am in waiting list and they will add me once more slot is available. Is anyone else is having same issue?
    My Experian Credit score is 779. Is it because of low score?

    Reply
  110. Ramesh Kumar

    All my payments done for HSBC credit card is reversed, when I spoke to HSBC customer care they said that payments are not authorized or marked suspicious by HSBC and asked me to pay only through billdesk or NEFT or VISA CC payment. First time facing issue like bank won’t accept payments, due to above reason and don’t know how long it’ll take to get the reversed payment to source. I have raised ticket to CRED support, will see what they have to tell.

    Reply
    1. Ramesh Kumar

      Update: refund done within 1 day directly into account number given for refund via IMPS. Support team said within next bill payment, they will solve the issue with HSBC.

      Reply
      1. Gagan

        Thanks Ramesh for update.

        Indeed interesting to note that HSBC has such strong controls.

        Reply
      2. Mouli

        Ramesh,

        I have made payment to HSBC credit cards in December and one week back also and payment was successful for me

        Reply
        1. Ramesh Kumar

          If you pay as multiple payments, it’s getting canceled by HSBC saying suspicious. This month my billed amount is 61K, I made as 20+20+20+1 on same day to get better killbill reward from CRED.

          Reply
          1. Ramesh Kumar

            Update:
            Last month my HSBC bill amount is 57K, I made full payment in one transaction as suggested by CRED team still it’s declined by HSBC and CRED took ~10 days to refund the amount that too after several followups.

  111. Prashant Gupta

    Swiggy Super 12 months membership up for grabs for 15k points thats worth Rs.520 if we purchase 6, 3 months memberships. My 3 membership recently expired will take this. Its worth the money. Free deliveries, frequent discounts offered, no surge fee etc.

    Reply
    1. Prasenjit

      I too purchased this in Crd by redeeming points. And it is saying “Activated” in Cred. But I already have a 3 month membership of which 2 months are still left. So in my Swiggy account there is no reflection of it. The TnC in Cred says if you have existing membership, then you will be able to purchase a 1 year membership by paying Rs 1. But now I have to wait for 2 months to see what I purchased now is actually Activated for me. Lets hope it works fine after 2 months

      Reply
      1. Saket

        It worked well. I also had purchased Swiggy Super 2 months back and was not able to see any option at that time. Noticed today that my previous membership is due to expire in 5 days, and one year membership was showing only for Rs. 1 (998 discount auto applied).

        Totally worth it.

        Reply
  112. Ar Arbit

    While signing up for Cred, they pull the data from credit bureau. Does is it also mark an enquiry on Experian and Crif score?

    Reply
  113. Ar Arbit

    Hi Sid, thanks for this amazing article.

    I tried to pay using debit card, but I didn’t receive any additional points. I got points to amount paid only. Is there any other condition to get extra points from debit cards?

    Reply
    1. Gagan

      The debit card points depend on offers as applicable on the debit card.

      Say for example, some cards give reward points only on specific merchant type – say departmental stores. And for same, they identify by MCC and decide points.

      Currently, very few Debit Card offer good reward points. Few to name are (as from comments in this post):
      DCB Bank, Axis Priority, HDFC Jet Privilege, IndusInd Exclusive, SBI Gold

      Reply
  114. Anand

    Any giveaway for ixigo coupons I am happy to receive either 600 or 1000😀

    Reply
    1. Ebin Johnson

      Anand, ur wish is granted. Ixigo 600
      xxxxxxxxxx
      Sid, pls send this to Anand, if u know his email I’d.

      Reply
  115. Akil

    Does anyone getting JP miles after Jan 01 for using HDFC Jet debit card? I have used 5 times after Jan 01, but didn’t get the miles credit?

    Reply
    1. Gagan

      I have just upgraded my debit card to HDFC Jet one.. Looking for feedback here too

      Reply
  116. ankit verma

    I have over 350000 cred points. I have moved to US now. If anyone need any voucher, I am happy to redeem and give for free.

    Reply
    1. Atul

      Very generous offer ankit. I would like to try the Man Company 1000 voucher. Could you please redeem that one and send the code to Sidharth?

      Sidharth if it is not too much trouble you could send it to my email.

      Reply
    2. Khushbu

      Hi Ankit,

      It would be great if you can redeem your points for swiggy super offer!!!

      Reply
      1. Sharathkumar Anbu

        Hi AshishR, Khushbu

        Swiggy super offer can be activated only on the number registered on the CRED App. If Ankit activates the offer, It will be applicable on his number only.

        Reply
    3. Sharathkumar Anbu

      Hi Ankit,

      Thank you for coming forward to share your vouchers with us. It would be great to get Eazy diner voucher worth 500 Rupees if possible 🙂

      Thanks,
      Sharathkumar Anbu

      Reply
  117. Guru

    Grofers – Flat 10% off – GRFABOU6C49

    Ixigo – Rs. 600 off on domestic flights – CRD2GWTRDT

    Reply
  118. raja

    Not sure this app is safe for using netbanking credentials. It saves/notes the userid and password while paying through iphone. It uses payu as their payment gateway but uses a lesser known “juspay” for hassle free payment experience.
    Also need to know their business model. How are they going to sustain? Rs 700 cashback for Card payment of Rs280000.
    Need to know more about their bussiness model!

    Reply
  119. Shivi

    Update Jan 13 – Not receiving RP on IndusInd for transactionz marked as “PaymentsPayU Mumbai”!

    Reply
    1. Gagan

      Hmm, Did you receive RP for same earlier? May be PaymentsPayU is registered under some different MCC making it not a retail spend

      Reply
      1. Sharathkumar Anbu

        I didn’t get any reward points for “RAZ/CRED*404”, I remember getting reward points for PaymentsPayu. I think they might have registered themselves with all banks to remove the MDR rate since they are payment app.

        They can’t bear the MDR on Debit cards which is usually around 1%, hence they would have negotiated with banks to make it 0% and stop the rewards like government payments.

        Thoughts?

        Reply
    2. Sharathkumar Anbu

      Are you sure about it? Did you wait for few more days to check the reward points status, because sometime due to holidays, Reward point posting may be delayed.

      For me “RAZ/CRED*404” didn’t get any reward points, but payu did.

      Reply
  120. Shivi

    @ Gagan – That post was in response to Sharathkumar Anbu’s January 9 post where he received points for the said merchant. We really can’t go merchant code hunting now to ascertain which payment protocol CRED would be following for its payments!

    Reply
    1. Gagan

      @Shivi Ah, ok, was not clear from post. Indeed we can’t go MCC hunting and anyways that is not in our hand – it keeps on changing. I have seen CRED, Dreamplug, PayU, PaymentsPayU etc etc on consecutive payments.

      But the point is to see if we really get Reward Points and on which cards.

      Reply
  121. Surya

    HDFC Jet Debit card update: No more JP miles for using debit card on Cred App

    Reply
    1. GTMAX

      Source of information?

      And I have just received this card last week 😛

      Reply
    2. Gagan

      Aiyoo 🙁

      I too got this card last week – it First Year Free (FYF) – guess will get this cancelled then after few days!

      Reply
    3. Anoop E S

      No such reference in HDFC website.

      I received miles for all payments made till now. Last payment was made on 7th January. Yesterday they have posted a threshold bonus of 1000 miles. Had received a threshold bonus of 1500 miles last month also.

      Reply
    4. Gopu

      I received 5187 miles when I paid 3,90,000 with my Jp HDFC debit card on Jan 11. May be things changed after that.
      Please do keep us posted. I have a couple of big payments to make on my cc over the next week.
      This was the note in statement RAZ*CRED, 404, U POS DEBIT.

      Reply
      1. Sharathkumar Anbu

        I didn’t get reward points in IndusInd when the statement said “RAZ*CRED, 404, U POS DEBIT”. I raised a ticket to check on it.

        They called and told me that those transactions are not eligible for reward points. They kept saying that this payment gateway is not eligible for reward points like that. Only exclusion in IndusInd was for government payments and mutual funds but the lady who talked kept saying the payment gate way is not eligible.

        I asked it is not written in the website and how do you make such claim, She repeated the same and not ready to listen whatever kind of doubts we ask.

        I am getting confused how payment gateways matter. If the say Merchant code or something, It will make some sense atleast.

        Reply
        1. Shivi

          Same thing happened with me Anbu; the latest payment round to CRED via RazorPay is not eligible for IndusInd Exclusive RP. And there is no way of finding out which payment gateway will be used when you make payment to CRED. I’ll shift to DCB Debit card next month onwards.

          Reply
  122. GTMAX

    Do we receive JP miles with HDFC JetPrivilege Debit card for adding money in Phonepe?

    Reply
  123. Gagan

    Today did some 8 payments transactions and thought of sharing observations with you.

    For all Visa Debit Card transactions got merchant name as RAZ*CRED, 404 UPHAR CH
    For all Master Debit Card transactions got merchant name as RAZ CRED 4

    So it seems like now, no narrations like Dream Plug, CRED etc and all show RAZ (reference razorpay)

    Reply
  124. Datta1108

    Any benefit of making payment from SBI or ICICI debit cards? DBS has stopped their digibucks rewards program so looking for an alternative.

    Reply
    1. Puneet Singal

      Where did you see the information about digibucks being discontinued?

      Reply
    2. Mahendra

      Hi Datta,

      Digibucks programme started again. You can get the info from their website.

      Reply
      1. Priyank

        If I make 5 transactions of 20001 INR from digibank debit card, is there a capping to get max total of 600 digibucks.
        or
        Will I be getting 600 * 5 = 3000 digibucks.

        Can anyone please confirm on this?

        Reply
          1. Priyank

            Can anyone please confirm if digibucks cashback is credited to account for March 2019?

  125. Vipul Nagpal

    Has anyone redeemed the stylecracker voucher yet? In the t&c it is mentioned that is is valid on 4999 box however on the stylecracker website there is no 4999 box. The closest is 5499 box.

    Reply
  126. SURESH AMBATI

    No Kill the Bill rewards coming now after I have installed the update in Iphone.
    Is it the same in old versions as well?

    Reply
    1. PM

      I got a 1K kill the bill offer when I paid my bill on 25 January. Opted, and was super lucky to get Rs 1000 🙂

      Reply
  127. Mudit

    Has cred stopped giving Kill the bill vouchers ?
    i paid 15k 2 times today. didnt get any voucher (either 1k or 10k) to burn.
    May be they have run out of cash to burn !

    Reply
    1. SURESH AMBATI

      Did you updated the app in Iphone?
      Or it is coming in older version as well?

      Reply
    2. Mahendra Kumar

      Hi Mudit,

      I paid 25k today. I got two kill the bill vouchers. 1 for 1000c and another for 15000C. I am using lastest version.

      Reply
    3. Ramesh Kumar

      I tried today with updated app and still it’s working when I go into reward section, but didn’t get notification for Killthebill like before.

      FYI, at per cred TnCs only 300 mystery reward per user.

      Reply
  128. Arun Kumar Allu

    Guys, for those of you who have loads of cred points to burn before they expire, you have an option to sponsor a meal. Lets join the “mission 10 million meals”.

    Reply
    1. Pradeep

      i always do philanthropy to people around me, where i can see things happening & never donate to any organisation. As you’ve mentioned food, i donate food to beggars in my place (sometimes, people passing-by also ask for the food) , give food to children & old age homes around me, 90% of the time food is prepared in my home for donations. To date i’ve never gave re.1 or rs.5 donation which are asked sometimes in mc.donalds, amazon, bookmyshow, horlicks, adani, malls, theatres, etc.., & to students who are doing social studies. i like to water a plant which i can see everyday, to see it grow, flower, fruit, give shadows to lives, to see it having nests. its a joy which your can never & ever get when you donate to a organisation which dont do work in front of you.

      Being a benefit sucker of cards, why should i leave out the joy which i cannot get by donating to faceless organaisation.

      Reply
    2. Rakesh Cheruvu

      Yes…Sponsored quite good meals by burning 2,50,000 credi coins 😎

      Reply
    1. Mohan

      I get 10k Kill the Bill on payments above 20K … How much do you have to pay to get Kill the Bill 30k?

      Reply
  129. Captain Bishuddha Bharatiya

    One person can burn coins only 300 times for cash.

    Reply
  130. Gagan

    Interesting, observed that Cred is now able to remind of Amex bill too. Wondering how are they able to do same?

    Reply
  131. Rkgoyal

    Hi Sid

    Pl clarify about below comments

    One person can burn coins only 300 times for cash.

    Regards
    RK

    Reply
  132. Captain Bishuddha Bharatiya

    I use to pay Rs. 1,000 to credit card in one go so that I can get 1 chance to burn 1000 points. When I burn 1000 points I get anywhere between Rs. 7 to Rs. 1,000. But now whenver I pay Rs. 1,000 as credit card bill I am not getting any option to burn 1000 points for cash because I have burned 1000 points for the maximum allowed number of transactions which is 300.

    Reply
  133. RKgoyal

    Hi..thanks for revert.

    I request cred member to clarify on above comments..I have not seen any terms/conditions on cred FAQ.

    Regards
    RK

    Reply
  134. Anupam

    It seems in the newly issued HDFC Jet Privilege Debit cards – there is an exclusion for getting points on ‘Business Services’. Maybe card payments via CRED is classified as Business Services and that is why we are not getting points. I did not get any points/miles for payments over 70k made in Jan.

    Reply
    1. Himanshu

      I too opted HDFC Jet Debit card a month back.

      Did make payments on CRED but didn’t got any miles for paying.

      Reply
  135. Mouli

    Have anyone tried to pay axis credit card through cred in the recent past?
    I tried this week and it got failed but for other bank credit cards it gets succeeded

    Reply
  136. Jaganathan

    Siddharth please let us know whether HDFC Jet Debit card have stopped giving miles for Cred transactions? I just got the card and need to know whether to transact or not?
    Thanks

    Reply
  137. Rahul

    I too used HDFC Jet Debit card for 3L in Jan but didn’t get JP miles, have any one else got JP miles? Should I stop using Jet Debit card if they have stopped giving miles for CRED transactions? What are the other options in debit cards to get points? Please let us know…

    Reply
    1. Shivi

      Axis Priority card (Priority Account), DCB Cashback card (Elite Account) and CitiGold World Card (CitiGold Account), SBI Gold card (Any SBI account variant) are giving points for now. IndusInd Bank Exclusive Account linked Visa “Signature” and MasterCard “World” stopped giving it in January 2019.

      Reply
      1. MAA-traveler

        @Shivi,
        Are you sure Citi World Card gives points? Is the eligibility mentioned in their site followed strictly?

        Reply
        1. Shivi

          I received CRED payment points for the month of December in January for sure. Not much payment in January so I’ll update you next when my RP are credited for Feb transactions in March.

          Reply
  138. Rahul

    Thanks Shivji, please let me know What is the reward value we get in Citigold World Debit card?

    Reply
  139. Nihar

    Can someone say after how many days I can find the JP miles on the HDFC Jet debit card.
    No text from JPP team or anything in HDFC portal.
    Using it since late Dec on Cred , is HDFC allowing accrual of miles or not on this transactions.

    Reply
  140. Ashok

    How about Axis Burgundy debit card? What’s the reward points per 100 in SBI debit card?

    Reply
  141. GTMAX

    Used HDFC Jet debit card on 2-3 apps including Cred but have not received JP miles accrual message. Neither can see anything under Pending Activity in JetAirways website. Can someone suggest how much time does it take to reflect or get a communication about the accrual? Also which is the customer support team to reach out to for Jet Airways cobranded cards(for JP miles accrual queries)? Bank or Jetprivilege customer care number?

    Reply
    1. Siddharth Post author

      It used to be 7 days before but now they’re taking 2-3 weeks or even more at times.

      Reply
  142. Divyansh

    For those who are wondering:
    upto 1K card on 1k Spends
    upto 10K card on 20K spends
    upto 1lac card n 50K spends

    Reply
  143. PD

    I upgraded to JetPrivilege debit card. Have not received any miles yet even for payments made in Dec. Called up the customer care and lodged a complaint. They might have stopped it. Will post back when I hear from the customer care.

    I also have a SBI basic account. I understand that I’m eligible to upgrade to Wealth account that gives me SBI Signature debit card. According to the points structure on SBI rewards website, SBI wealth debit cards get 10 pts per every 200 spent. Each point is 0.25p, so a good 1.25% reward rate. I have applied for upgrade.

    Reply
    1. Venkat

      Same here. No miles so far on the hdfc jet debit card. Haven’t lodged any complaint though. Pls post back if you hear anything.

      Reply
    2. PD

      Ok, things happened after I lodged a complaint. I got a call from my RM after a day and he said the ticket is being closed and he is personally working on it. I got a big chunk of miles credited into my JP account yesterday with the narration – HDFC JP debit card usage and some threshold bonus. Quite inconsistent policies.
      I’ve applied for SBI upgrade and it seems to be pretty straight forward.

      Reply
  144. Shikhar Makkar

    Today they added Levi’s gift card worth Rs. 2k redeemable on 100k cred points. Seems to be a better deal than the meagre amount of cashback we get nowadays on using the scratch cards! Take it before it goes away!

    Reply
    1. Prashant Gupta

      Its not a good deal. Levis product are always available for 50% discount. In 2 k u can get a decent tshirt but not jeans. The voucher is applicable on MRP and not discounted products. I am giving it a pass. Also uber voucher has come up take it before it goes again.

      Reply
      1. Mouli

        Something is better than nothing.I am having around 5L points and dont have much options so redeemed for Levis and Uber also I got only 100rs.Anyone got better amount in uber coupon

        Seems Amazon voucher is also going to be listed

        Reply
      2. Prasenjit

        Not too Sure Prashant…. I guess it would work on discounted items.. just like any other Gift Card

        Reply
        1. Prashant Gupta

          Its written cannot be combined with other store offers. I have till now earned 757699 coins and have burned 5,97.018.
          Similary in my wife account i have earned aroun 2.5L coins.

          Gap voucher has also come up.
          The restaurant vouchers very good like Soda Bottle opener Wala Rs.1000 voucher for 50K points.

          Anyways if people are sitting on heaps of points it makes sense.

          Reply
      3. MAA-traveler

        @ Prashant Gupta,
        It is just a payment option. You can use along with store offers, if any.

        Reply
      4. Shikhar Makkar

        Hello Prashant,

        Nothing is mentioned regarding this in the T&C. Had it been the case, it would have been mentioned there, similar to the ‘The Man’s Company’ voucher.

        Reply
  145. Shivi

    AFAIK, SBI debit cards – I Hold Gold and Platinum Variants – and Axis Bank Priority Debit Card are still giving points on the CRED payments. I can’t for sure say the same for DCB Cashback debit card as the cashback is posted after the end of quarter which means eligible cashback for Jan, Feb and March, if any, will be posted in the 1st week of April.

    Reply
    1. Poornith Ninan

      I hold a SBI Pride Business Debit Card and I’m earning reward points on my credit card payments on CRED.

      Reply
  146. Gokul

    Uber & Levis are available now. They have mentioned few more rewards will be arriving this week which includes Amazon, Wework, Gap, Costa Coffee…

    Reply
  147. Purna

    Yes.I got 150 uber voucher for 10k points but Levis 2000 voucher is for 100000 points .Even Gap 1000 voucher for 75000.

    Reply
  148. Prashant Gupta

    Amazon voucher have come for 15k points. Got Rs250 and rs.200 gift card.

    Reply
    1. Shivi

      Wish they would add a single /quarterly /yearly subscription to CIBIL or Experian report as a reward someday. That would be a killer deal!

      Reply
      1. Mahendra

        Shivi,

        You can get updated Experian report every month freely on clearscore.com

        Reply
        1. Shivi

          Thanks, Mahendra. We get only an Experian credit score on the site mentioned by you. I was referring to a full-fledged report for download & analysis.

          Reply
  149. Captain Bishuddha Bharatiya

    After trying for more than 30 minutes finally I got 2 amazon vouchers of Rs. 200 each.

    Reply
  150. hemang

    really really nice app…
    too much easier CC bill from this app..also with some rewards points and etc…
    thanks cred…

    Reply
  151. Rahul Singh

    Congratulations Sid. CRED provided this review on the app. You are a star.
    Needless to say, everyone here owes you for creating such awareness and providing fun using credit cards.
    Long live!

    Reply
    1. Siddharth Post author

      Thanks you!
      I figured it out after seeing a quick spike in traffic 🙂

      Reply
      1. Ramesh Kumar

        Great!!! Just now noticed in THE CRED app, congrats Siddharth 🙂

        Reply
  152. Navneet pal

    I deposited 40000 to my card. On 1st match 2019… On 2nd March status of payment is success and credited to card on android app…but actually there is no amount reflected on my credit card…..kindly resolve this… chat support is also not replying..

    Reply
    1. Raj

      Is this resolved now? I am afraid, I will follow same fate as you. #Killtheapp

      Reply
  153. Pradeep kumar vadla

    I have redeemed and got tailorman coupon of 1500 off.CRED APP very is good according to me because we don’t have apps in IOS tracks the reminds us CC BILL.The greatest thing is it gives rewards for paying credit card bill through CRED APP.I loved it..Thanks CRED ….You made my life easy…

    Reply
  154. PRANEETH

    I am using this app since two months now and I have paid my credit card bills for around 2 lakhs . Such an awesome app you get points for what you spend . From two months I have redeemed so many offers and big thanks to CRED for this lovely app .. just some time back I have donated for give India all my points thanks for this wonderful initiative..

    Reply
  155. Balpreet

    My experience on their customer service is that it’s non existent. Too many reminders and they don’t care.. Only a tweet to kunal ( founder) They started action
    However no response from kunal.. Which isn’t the case with other founder CEO, who quickly respond to issues on tweets. So somehow this first issue in redemption and their casual attitude including founder, makes me think very cautiously about what to expect from them.

    Reply
  156. ARR

    Hello everyone,
    DJ SNAKE passes are available. Hurry up! Two passes can be had in single redemption.

    Reply
  157. Balpreet Singh

    Sid,

    Any specific reason my last comment on CRED wasn’t published. I don’t think you are knowingly blocking a comment about issue faced on CRED app?

    Regards,

    Balpreet Singh

    Reply
    1. Siddharth Post author

      I try my best to keep the comments unique & useful for others. When its not, especially on threads with too many comments already, i tend to skip.

      Anyway, got it approved for now!

      Reply
  158. Poornith Ninan

    I’m not sure if this question has been asked before but has anyone received more than ₹1000 cashback on the redemption of a single mystery reward card?

    Reply
  159. vishal verma

    IndusInd signature exclusive card does not fetch any rewards point on cred app. As per customer care

    Reply
    1. Shivi

      It used to till December 2018. I got CB of INR 980/-. They stopped giving points after Jan 2019! Mentioned the same is one of the replies above.

      Reply
  160. ARR

    Hi all,
    I’d like to convey thanks from bottom of my heart to this wonderful blog.
    I got Rs.5000/- (five thousand)+51=5051 for paying a bill of Rs.5200/-
    Thank you…….. Sid. The credit goes to you only.

    Reply
  161. K PRAKASAM

    I’m using SBI platinum rupay debit card on CRED app. I get 2 reward points for Rs. 100 which is equivalent to 0.5%. The reward points can be redeemed in form of Amazon voucher.

    Reply
  162. Kunal Chakravertti

    Hi Sid,
    Thanks a ton for the information. But only one problem….No instant credits to SBI atleast..Turaround time is 48 hrs

    Reply
    1. Sandeep Baid

      Hi Siddharth, very useful information. Any confirmatuon on which debit cards still provide reward points for CC payments via Cred. Thanks in advance.

      Reply
      1. Jade

        Read ^ comments. Information is more useful if you read 🙂

        Reply
    1. Yogender

      Do we get rewards on SBI wealth debit card for cred payments

      Reply
      1. Shivi

        Yes. Check on SBI Rewardz site and see how many points corresponding to the amount spent. There are a few other variables also for using the card more number of times/ crossing certain threshold of transactions/ money spent.

        Reply
        1. MAA-traveler

          @Shivi and others,
          Do we get points for doing on Citi Priority/ Citi Gold Debit card?

          Reply
          1. Shivi

            I did not get points on CiTi Gold debit card. The points I received in the month of January (and mentioned by me earlier) were accrued for the month of December ~ Christmas time promotional offer. So, CiTi is out in the CRED run.

        2. Yogender

          Havent got any rewards on SBI Wealth Debit Card. Did several transactions for 100K+. Has been already a week now. Do we need to wait more.

          Reply
          1. MAA-traveler

            @ Yogender,
            You will get points for SBI Wealth Debit Card. However it will be posted after a month only. You also will get quarterly bonus points. 5 points for Rs 200 normal and 1 point (or is it 2 points) as bonus. So about 6/7 points for every Rs 200. There is no cap on points.

    2. Venkat

      Haven’t got any JP miles after the initial 2-3 times in December I guess. Anyone else continues to receive? Worth following up (assuming of course, Jet has a future!)

      Reply
    3. Nipun

      DO U get JP Miles every month on Month I have to follow up for 2 months to get only 2 months points.

      Reply
  163. Manisha

    Hi.. I downloaded the app and registered etc. But when I went back to the App to pay my bill, it’s asking me to verify my identity using a 4-digit numerical code. There are no other instructions. I seem to have only 10 attempts. And no clue how to go about it. Please help..

    Reply
  164. Rahul Singh

    This has been phenomenal. I got Raymond (1200 off from 10000 coins, no TnC), Insider.in (250 from 15000 coins), cult.fit membership for a month (25000 coins) and a big basket coupon (1 free on purchase of 1 premium juice – I forgot name). What can be asked more. Its not that these things are costly buy CRED allows you to explore (at free of cost) before you can do big shopping. I also had a free coffee at Costa, BMS, Swiggy Super etc.. The list is long. I sincerely thank Card Expert blogs to be enable to use resources available to us.

    I stopped playing “Kill the bill” as attractive coupons come in limited quantity.

    Bingo. Jio mere lal. Keep posting. You rock Sid.

    Reply
    1. Neo

      Too bad, the cult voucher is a one time thing..else annual membership for free 😀

      Reply
  165. Amex Guy

    Actually I’m unsure if any bank has stopped giving points targeting CRED per se. If the merchant name is “CRED”, it goes through some different payment processor which doesn’t fetch points. If merchant name is PaymentsPayU then you get points. I got points this month on HDFC Jet just fine. I realized this when I did not get points for one payment made by Citi card last month, and the merchant name is “CRED”. All other Citi payments, including one after the instance has “PaymentsPayU”.

    Now what I do is — keep trying until I get right payment processor. Since Citi OTP SMS shows name of merchant, I know beforehand if I’ll get cash or not.

    Reply
    1. MAA-traveler

      @Amex Guy,
      So we get points for doing on Citi Gold Debit card if the merchant is “PaymentsPayU”?

      Reply
      1. Amex Guy

        Yes. A whopping 2% cash! Citi makes it very hard to track those, check your statement carefully. I usually send a redemption message for each payment I make (If I make a 50K payment, I’ll try redeeming 1K points), and have received cash for PaymentsPayU without fail.

        Reply
    2. Puneet Singal

      This seems to be nice trick, Amex Guy. Can you tell how many attempts does it generally take for you to get right payment processor? I have tried at least 10 times to make payment of Amex Plat Charge but getting Cred as the processor name in OTP SMS each time… Trying to understand how much patience do you keep?

      Reply
    3. Shri

      Hello Amex Guy – I see that Cred allows Debit card payments to a max of 2000. Is there a way around it? do you still use Citi Priority/Gold Debit card to make payments, albeit multiple payments or have switched to something else?

      Reply
  166. Purna

    I saw Bali 3 nights voucher in cred but it disappeared in hour

    Reply
  167. A2Z

    CRED payments are now delayed
    Taking 2-3 days for crediting various cards
    Smaller amounts are crediting in 1-2 days & bigger i.e. 5k-20k or more are crediting in 2-4 days now

    Reply
    1. Yogender

      It is working fine for me, all transactions showed up the same day on my card

      Reply
    2. Amex Guy

      Not seeing it on any of my cards. They always NEFT the next hour. What cards do you use?

      Reply
  168. Binay

    Cred has a new feature now, “CRED GEM”.
    Apparently, Each successful referral will earn you a special GEM. You can use these GEMs the same way as CRED coins.

    If only referrals came a little early, I would have earned so much 😉

    Reply
  169. Mahendra

    Hi all,
    I am able to see new cred balance i.e., cred gem balance.
    Anyone has any idea about it? No info provided in help section also. How it is different from cred coin balance?

    Reply
  170. Vikram Dalal

    I got 2162rs by burning coin on 02 April but it still not credited on my card.
    Anyone face this issue. And How to contact them related to this.

    Reply
  171. Kirtan Doshi

    Hi,
    Any chance of getting amazon gift vouchers using cred points?
    Don’t see them in the rewards section.
    Thanks!

    Reply
  172. anil

    Is there any problem with citi credit card .. I have made payment of 7500 last month but it is not credited in card yet and I am struggling for refund.

    Reply
    1. Ashish Gupta

      No issues at all with citi cards. Have been using for months now

      Reply
  173. Mouli

    Good times with burning cred coins are all but over,now I am receiving mostly 8 rupees for burning 15000 coins
    Its better to keep the coins and redeem it for vouchers

    Reply
  174. Mahendra

    Hi all,

    Referrals now active in cred app. For each successful reference we will get 10gems. There is separate coupons for gems to redeem.

    Reply
  175. A2Z

    CRED finally rolled over Referral rewards called “Gems”
    For each referral one gets 10 Gems
    Gems redemption options :
    10 Gems : Uber 150 gift card
    20 Gems : Cleartrip 1000 cashback
    30 Gems : Amazon 750 Gift Voucher

    On 17/04/2019 Wednesday Cred had Shoppers Stop Gift Voucher worth 30 to 1000 for burning 15000 Creds
    I got 500 worth SS GV

    #CRED_Rocks

    Reply
  176. Ravalika

    Hello Rohit. IAM one of the big fan of cred app. Really awesome features. I have one doubt. Please clear it. I paid 75k bill and got 75k coins. I redeemed 10k and 10k gift vochers . Shall I use 2 vochers in one product.

    Reply
  177. Ankit

    Got 2*750 amazon gift card on burning gems. Seems more redemption option to come on gems.

    Good start for me…. 🙂

    Reply
  178. Binay

    ** MAJOR ISSUE **
    Recently my friend referred his father to CRED and added his unused credit card (last used a year back).
    After some time, he started to see fraudulent online transactions on the card all at 15-20 mins interval. He immediately blocked the card and raised a dispute.
    Now, he just registered the card, did not give any email permissions and yet this breach of security.

    Should we be alarmed ? Is CRED secure ?

    Reply
    1. Siddharth Post author

      Probably a co-incidence. They don’t take expiry date & CVV.

      Reply
  179. Vivek

    It’s good. No need to add details again and again while paying for credit bill…
    Thanks

    Reply
  180. Yatish

    Is there an option to autopay the CC bill? I cannot micro manage my payment dates hence have all my bills on autopay with cards and then card bills to bank. Hence, if the autopay option is there only then i would like to download, hence asking.

    Reply
    1. balaji

      autopay option is not there.
      But there is an option which will remind you and you can just click and pay.

      Reply
  181. Jaspal Singh

    Thanks Sid for this wonderful info…
    I have got 4 times Rs 1000 thru kill the bill option and that’s great !!

    Reply
  182. Satish Patil

    Did multiple CC payments in the range of 15-20K today and got Rs. 1000 via kill bill for once card !! 🙂
    This is the first time I got cashback for more than Rs.35. In the past, I just received in the range of Rs.13 to Rs.35.

    Thank you Siddharth for your Blog. After I started following your blog, got the new cards like DCB, YFE and got limit enhanced for other my Cards. CRED cashback was a big bonus!!

    Reply
  183. Ankit

    I have make multiple payment for my credit card , received gud cashback through killbill.but payment is still pending to credit at AMEx card, please provide me customer care number for cred

    Reply
  184. Chalam

    yesterday I did received a call from cred people and asked for my office address, to give some small gift. I told,. They insisted office address only.
    today morning they delivered 1kg chocolate cake though some courrier or agency.
    Felt it strange thing.
    Did anybody had similar experience

    Reply
    1. ARR

      Hi Chalam,
      It happened the same with me also. They insisted me to give the office address. But, I requested them to deliver the cake to my home. They delivered me half kg Black Forest cake along with the thanks note.
      Thank you CRED and Siddu.

      Reply
  185. JV

    Please summarize the payment of credit cards – i.e. which debit card should be used for paying through CRED. Getting additional points / cash back is really exciting

    Reply
  186. BALA

    Thanks lot for your blog Siddharth. Got lot of benefits and ideas also. I received surprise cake, 1000 rs for kill bill and gonoise 100% reward which is used to purchase colorfit pro. Thanks a lot for your wonderful information and your time.

    Reply
  187. rajeshkumar

    Dear Siddarth,

    CRED charging 1% extra charge where making the payment through debit card from yesterday(04/09/19).

    Any change in payment that must be notified earlier.

    Reply
      1. Rajeshkumar

        Yes Siddharth,
        That’s correct . I used rupay debit card for payment . i got confused who deduct the amount either CRED or Card Issuer. Now it’s clear. i will choose different card for payment. Thanks for your valuable time

        Reply
    1. Sharathkumar Anbu

      Just now I tried a payment of 5000 Rupees with Rupay debit card from IOB and Visa debit card from DCB but I don’t see any issue. It still shown 5000 at the payment page.

      I didn’t pay though but tried to confirm what was told.

      Reply
  188. Ramesh Kumar

    Mostly likely charge is from issuer end. That too, if it’s prepaid card.

    Reply
    1. Siddharth Post author

      That’s right. Also, the fee is applicable on all merchants I believe. Not just cred.

      Reply
      1. A2Z

        That must not be a valid debit card. It maybe a prepaid card. I wonder how Cred is allowing to pay by such cards?

        Reply
  189. Deepak Kumar

    I have paid my credit card bill through cred app but after 3-4 day its showing payment failed after passed 8-9days i didn’t get my money to my account i mailed and chat also those peoples are saying it will refund in 3-4 working day for them working day is like how i don’t understand they didn’t mentioned any customer care number in website and email response also very poor.

    Reply
  190. Prashant Gupta

    A small update i won iphone7 in crownit weekly rush😀

    Reply
    1. Captain Bishuddha Bharatiya

      OMG.
      What is crownitweekly rush ?

      Reply
    2. Siddharth Post author

      Congrats! That’s definitely not a “small” update 🙂
      Do Enlighten others with more info.

      Reply
      1. Prashant Gupta

        Ha ha…..have using this app for last 4 years. Crownit is an app where you upload your daily bills and get rush tickets for a lucky draw that happens on friday 3 PM. I have won bookmyshow vouchers, ccd vouchers, crowns many times. Like all startups and app made lots of saving in the beginning but now the savings are less but still good.
        U can join using my link

        Bills! Sounds boring right but not anymore when you can win incredible rewards just by uploading your daily bills. Download now- http://crownit.in/prashg240

        Reply
        1. Mouli

          Prashant,

          Plz explain on how to participate in the weekly rush?
          I uploaded the bill and received crown then what next?

          Reply
          1. Prashant Gupta

            Mouli,

            When you upload bills you get intimation that you have got 1/2 rush ticket. Then click on the game remote icon (ios) and click on weekly rush every friday at 3 pm for the luck draw to check if you have won. The winning remain only till 4 pm so you have to claim before that.

      2. Poornith Ninan

        Crownit is a different program which is not connected Cred

        Reply
    3. ankit verma

      Congrats man. I have max is 250 rs book my show voucher long back 🙂

      Reply
  191. Kshitij Shrivastava

    Got a refer 30 coins(CRED) after that Amazon voucher is not showing…
    🙁
    Not good.. 🙁

    Reply
  192. Hardik

    Congrats, Prashant i too use crownit from beginning stopped using it for past 2 years as i got new handset and forgot to install it back😅😅 But at that period my 2 friends have won mac book and iPhone 7 too,just checked you after the comments here, I started using it before 4 months, won 2000rs shopper stop vocher last month and few bms voucher through steals,gems and more,so made around 10k alone from app form last 4 months on bills upload of 2 lakhs or more, Happy crowniting😛

    Reply
    1. balaji

      Are there any restrictions on the bills? Can I upload electricity bills which are on my friend’s name ?

      Reply
  193. Ankush

    After reading all comments above. The only trustable debit card (which donot change reward structure based upon merchant ) is SBI. We have SBI Platinum with gives approx.. 0.375% return per transaction.
    Calculation : 30pts or Rs 7.5/2000 = 0.375%. This card is approx. 350 per year.

    If we are above to get SBI Wealth card. It would be whooping 5 time i.e. 1.875% . Is this correct. 1.8% is not a small amount for debit card transaction. Let imagine we pay 5 Lakhs a year. It comes to Rs 9300/- out of nothing.
    Any comments. See reward Cred will not sustain in longer phase. I know we are getting these at the moment. But one year down the line they will die down but sustainability will come from Debit cards only.
    Anyother debit card?

    Reply
    1. Ebin Johnson

      Does this debit cards from SBI gives cashbacks on CRED payments?

      Reply
    2. MAA-traveler

      @ Ankush,
      Your math is off. You also will get 5 points for Rs 200 normal and 1 point (or is it 2 points) as quarterly bonus. So about 6/7 points for every Rs 200. Each point value is Rs 0.25. So the reward rate is about 0.875% which I feel is still decent since there are no caps and we get other benefits with SBI Wealth Debit card.

      Reply
      1. Ankush

        Thanks MAA
        Well this make no sense to apply wealth account specially for debit card for 0.875%. The best option is go for DCB 1.6% and may open multiple account. Any catch in DCB elite account.
        They give 20k pa as cash back limited to 2000 pm which translates to payment of 12.5 L on debit card spend which is sizeable for single card account.

        Reply
  194. MAA-traveler

    I didn’t know in detail about the SBI Wealth Debit Card till now! Just spoke to customer card now and got all the details.

    Folks,
    I guess SBI Wealth Debit Card is the best card to have at the moment. We get 10 points for every Rs 200 plus monthly bonus of 10 Points if we do more than three transaction in that month. There is no longer Quarterly bonus and only monthly bonus is awarded. So we get 20 points for every Rs 200. Value of one point is Rs 0.25. That is a whopping 2.5% reward rate!

    And it gets better. For our birthday month we get 30 points for Rs 200. My birthday month was April and I got this bonus. That is a reward rate of 3.75% which is even higher than HDFC Infinia or SCB Ultimate reward rate! 😀

    Features of this debit card:
    – We get point for any transactions and there is no cap on the number of points we can earn
    – Two free BMS movie tickets per month (no quota and not BOGO; pay transaction charges only)
    – 2 Airport Lounges per quarter
    – 2.5% reward rate/ 3.75% during birthday month
    – other benefits like higher POS limits, free insurance and Visa Signature offers, etc.

    Reply
    1. Praveen

      I use digibank by DBS. It’s a zero balance account. But I keep around 50k in this account. Apart from THE high interest rate of 6%, I get 2.5% for spending 20k credit card bills via CRED. This is via the digibucks program they have. This gets deposited every month. Thanks to this forum for sharing the best ways pay the bills.

      Reply
    2. Ankush

      Thanks @ MAA-Traveller
      I am changing my comments.
      SBI Wealth account makes real value and you are spot on.
      – 2.5% reward on SBI Signature debit cards. Lets say you spend 10L P.A. (incl. credit card bills , insurance and MFs) and you get 25000/- P.A.
      – INR 6000/- PA on movies. This is not 1+1 scheme but 500/- OFF on booking 2 tickets.
      – airport lounge. Although we experienced credexpertians know how to get this free with other cards.
      – No capping on points.
      -SBI donot change reward structure easily like other private banks. We have seen this with prime and ellite cards. if they are giving point on CRED app they will continue. No surety just My belief.

      I will speak to DBS treasure this weekend & their 10% cash back scheme upto 10000 per Qtr is also good and i have to check whether this is available with 20L TRV or even higher.If AmexGuy reads it he can confirm that part. I am referring to DBS treasure debit visa infinite card. But DBS website says this offer is valid till 30-june.

      Reply
  195. Saumya Majumder

    Hey Sid,
    Thanks for the review. I have one question though. I have 3 credit cards for which I always pay bills on time. I wanted to try CRED but when I looked into the review section of the app, it gave me many doubts. As many people have mentioned that despite paying early, the money doesn’t get credited to their credit card account on time and they ended up paying charges which they shouldn’t have if they paid manually. I was wondering if you have faced similar issues or heard about issues like that.
    I’ve also read that their customer service is the worst. No place to call, sending emails gets automated replies and no actual reply from any person. That is why till now I’ve not used it due to these negative press. I would love to know what is your opinion on this matter. Right now I pay my bills via NEFT from my net banking and they always get credited within 2 working days.

    Reply
  196. Yogender

    Axis Bank seems to have stopped giving reward points on CRED transactions on Priority Debit Card. They skipped reward points for some transactions between 2nd and 6th. Beyond 6th, they haven’t given any reward points.

    Let me know, if anyone is still getting them

    Will get to know in next quarter if they still consider Cred Spends for their quarterly 10% cash back.

    Reply
  197. Faraaz Kazi

    Is Jet Debit card HDFC working for CRED payments wrt JP miles accrual?

    Reply
  198. Naitik Mehta

    Can anyone explain that which debit card or reward programme can give us max cashback or benefit ..specially when we pay our credit card dues via cred app? i have shortlisted five banks SBI,INDUSIND,AXIS,DCB OR DBS?
    IF YOU HAVE ANY OTHER SAVING IDEA THEN ALSO LET ME KNOW YOUR STRATEGY.
    AS PERSONAL REQUEST,CAN I ASK YOU SIDDHARTH TO HAVE SEPARATE ARTICLE FOR THIS?

    Reply
  199. A2Z

    @Pradeep Praveen must be referring to digibucks program where by doing certain financial activities he is earning 500 which is 2.5% of 20000
    Those activities involve funding account, credit card bill pay, MF SIP, FD, Debit card spends etc.

    Reply
  200. Ravi Adlakha

    I have made payment for my kotak card on 8th may 2019 via CRED but its been more than 10days payment has not been updated. They provide me the UTR number for transaction but it is not traceable by bank. So not bank is asking me for further details.
    But its very difficult to reach the CREd suplort team. They never reply on your mail query and they also don’t have any customer supoort number. All they have a chat option on which they reply after a veryong waiting time. CRED customer supoort sucks.
    I have no idea when my money will be credited to card.

    Reply
  201. Deepak

    I have made payment for my HDFC CREDIT card on 17 may 2019 via CRED but its been more than 3 days payment has not been updated. And its very difficult to reach the CREd support team. They never reply on your mail query and they also don’t have any customer support number. All they have a chat option on which they reply after a veryong waiting time. Sir please send my money to credit card please my order id is :- 3K1NQ32GY7 please help

    Reply
  202. Sujit

    Does anyone know what is the business model of Cred App
    – Do they get a cut from payment gateway from the MDR/discount they get from Banks on processing Card Payments
    – Do they get a cut from listing voucher to the site
    – any other model

    Reply
    1. Amex Guy

      The general market rate for a coupon site is 1:1 cut. So if you buy/get a 200 rupees coupon from a site, the site almost always makes 200 as well, sometimes on distribution, sometimes on redemption. That’s just how coupon/loyalty distribution market has been like. CRED plays the same game.

      Reply
  203. Bharat

    I have a very bad experience with this app, I paid my ICICI credit card bill via CRED app on 8th May and CRED app shows its transferred that amount to my Credit card on the same day but today is 22nd and bank haven’t got any. Problem with CRED is they don’t have a customer support team, emails won’t get a reply for two days and chat you won’t get a reply even after 4 hours. Besides this, there is no other way to contact them. my bill amount of nearly 2 lakhs I have to regroup to avoid further penalty and bad credit score. I really regret using this app for some stupid coupons.

    Reply
  204. Rahul Rahul

    i have made a payment of my credit card on 25 may 2019. but it is not received on my credit card . please do it immediately or reverse my money.

    Reply
    1. Gkcards

      I havent used app much but transfers happen to card in less than a day, sometimes immediately and sometimes in few hours but less than a day. Not advisable to try on last date.

      Reply
  205. Aryan Arora

    This app is good , no issue
    but, There is no customer care number of this app,

    if your payment is stuck then to whom you will contact ??
    so .. i suggest not to use till the time you are not getting customer care number

    Reply
    1. Pankaj Nikam

      That’s right I am coming the same problem. Please provide customer care number

      Reply
      1. Umesh

        We can use chat feature.. They are quite responsive. If you are not getting immediate response, just ask them to call and they would do…

        Reply
  206. Mahesh

    1. Can I pay my Credit Card bill via Cred by any prepaid card ?
    2. Is any prepaid cards are accepted in Cred ?
    3. If accepted then please tell which prepaid cards are accepted ?

    Reply
  207. Rajeev

    Hello Siddharth,

    How to remove closed credit cards from this app?

    Reply
    1. Sharathkumar Anbu

      You cannot remove the cards but you can archive it so that it is not visible in the system.

      Go to Profile -> Cards -> Near every card icon there will be 3 dots, click on it and click `ARCHIVE`

      Reply
  208. AshishR

    open cred app

    go to profile > cards

    click 3 vertical dots on top right of each card to archive it

    Reply
  209. SHweta

    My refund has not been credited to my account from last 10 days. Executives give different update everyday. I have requested for a call back like million time now. My issue is unresolved from last 10 days. My money is nowhere to be seen in my account.

    Reply
  210. Jagan

    Hi all,

    I redeemed flipkart voucher woth of 500 rupess on cred app,but when i add same code in flipkart voucher its asking pin…when i redeem i got voucher code only not pin… Could any one help the pin please..

    Reply
  211. Hussain

    Hi guys,
    Did anyone receive the rewards from the powerplay predictions? I made a few right predictions and I was told that they would contact the winners but I haven’t received any communication from them yet.

    Reply
    1. Captain Bishuddha Bharatiya

      Hussain they either give merchandise ( you have to provide address ) or they give you a chance to earn cash back. I have got cashback in the range of 15 to 49 rupees.

      Reply
  212. Vivek

    Hi
    I recently paid my HDFC Regalia card dues by CRED. Most of the folks here outlined that their HDFC credit card payment was processed immediately but in my case it is still in pending state and refers to a 2 day timeline for the funds to be credited. Is it something to worry about?

    Reply
  213. Khan

    I have auto debit turned on for all my credit card bills. Will this have any effect I decide to use CRED to make my payments going forward?

    Reply
  214. Captain Bishuddha Bharatiya

    Just now I saw that they are offering Cleartrip voucher worth Rs. 5,000 by burning a whooping 6 lakhs points. Last time they were offering Rs. 5,000 voucher from Ixigo for only 2 lakhs points.

    Reply
  215. Purna

    I got DCB delight account kit with dcb platinum debit card when I applied DCB elite savings account. Are both same?

    Reply
    1. Amar Kedia

      No – they are not.
      The RM fooled you just like it fooled me.
      After 3 months, I got cash back of 1000 each only and NOT 2000 as per Elite.
      Then I was told they are different and I fought with the RM to get it converted into an Elite account.
      Also made the RM pay for my loss.

      Reply
      1. Mahesh Singhal

        Do you get cash back for cred payment on dcb debit card which comes with elite saving account

        Reply
  216. Sarvesh

    How do I remove credit card details if the same is not in use anymore?

    Reply
    1. Himanshu Kainth

      Hey Sarvesh,

      Go to profile> Cards > Click on three dots > Archive.

      Reply
    2. Ankit Saraf

      You can archive the card. It will not be visible in the cards section anymore, but it will be still visible in transaction history. In case you need, you can add again.

      Profile -> Cards -> Click 3 dots menu -> Archive.

      Reply
  217. Amann

    Seems Cred is having issues processing Kill the Bill Amounts. Feedback I have received is that its going to take 7 days and it’s a temporary issue.

    Hope this is not a bad sign of things to come.

    Reply
  218. Anoop E S

    There is a hair care kit from Moms co for 1 lakh coins. Their website says it is available for Rs.1999/-

    Reply
    1. Poornith Ninan

      When the reward went live, it was at 75,000/- coins. They increase the number of coins required for the redemption based on demand.

      Reply
  219. Ankit Saraf

    Which debit cards are giving points for payments? I haven’t used till now. I have HDFC Easyshop Visa Platinum and Yes Bank Rupay Cards. My digibank account is stuck in receiving sms for more than 2 months now. I have an SBI account, but the card is non-emv and must have ben disabled. I can get a new card from SBI. Which card would you suggest?
    The options I see in SBI are: Global International, Paypass International, Paywave International and classic.

    Reply
  220. Poornith Ninan

    Today CRED is offering Noise x5 wireless earpods. I have a feeling that in the coming days, there will be some really good rewards that CRED will offer but I suggest all CRED users to only redeem their coins for the rewards that they really want rather than blow it on whatever enticing rewards that are made available. Last time around, I kept burning my coins for the most random rewards and missed out on the Candle-light dinner at the TAJ Yeshwanthpur Bangalore twice. Just my 2 cents.

    Reply
    1. Prashant Gupta

      Same here….i have 2.6L coins each in 2 accounts. Would have redeemed for the earpods had i not split the payments….

      Reply
    2. Moulieswaran

      Yes, i am hoping the same.Cred might be offering better rewards in the near future.
      I recently bought MI3 band and Holiday Inn voucher for 1 night

      Reply
    3. Mohan Eluri

      I echo same lines, I received MI BAND and Noise X5 Wirelss bands recently. It’s better to not to kill the rewards. I also notice Cleartrip 5K voucher for 7.50 L points … hopefully I bag it soon before it expires.

      Reply
  221. DPX

    Has SBI stopped giving points on Cred transactions? Did not get any points for June yet. Most transactions have past the 7-working days timeline.

    Reply
    1. DPX

      I called up SBI rewards customer care. They said the points have been put on hold as the transactions are being verified. Since I vacationed abroad recently, my card bills and hence Cred transactions were pretty large and many.
      Has anyone else experienced this? If yes, how did you handle this?

      Reply
      1. Yogender

        I too haven’t received any rewards for transactions beyond 11th of June. Wrote to them today.

        Reply
    2. Abeer

      I’m still getting them on SBI Global International Debit Card. Reward rate is really low though, 1% in points, each point is worth 0.25 in amazon gift card. Translates to ~0.25%

      Reply
  222. Datta1108

    They are delaying payments a lot nowadays. I made a few payments to my SC CC splitting them in 5K on 4th July however on 5th few were credited and on 6th few. But still more 30k worth payment is pending after 3 working days. The irony is the payment which I made first of those 5K bunch is still pending. There is no way to contact their customer care and their AI Bot is useless.

    Looks like CRED is using our money some way may be to park them into overnight liquid funds with 1-day maturity. Other than that I can’t think why the payment made on the same day can’t be credited to my account.

    Looks like I would be stopping using their APP.

    Have you guys noticed/facing this delay in crediting to CC?

    Thanks,
    Datta

    Reply
  223. Amann

    Faced delay in getting kil the bill credits.

    My experience
    Always pay in the morning 8am to 10am and 2 working days in advance. You will not have any major issues then.

    Reply
  224. vasu

    It been 3 working days and the status still shows Processing credit to card. There is no number to talk to a customer care executive and response through email is pathetic.

    Reply
  225. Anoop E S

    Book My show voucher of Rs.500 for burning 50,000 coins. available now

    Reply
  226. abhinav

    Yesterday visited PVR in select city mall in Delhi. There was a CRED kiosk which offered a free popcorn and 500 CRED points to CRED user on giving the CRED feedback. I simply loved it.

    Reply
  227. Mouli

    Last week in DLF Chennai,CRED has put a stall and gave free pizza for those cred customers having more than 1000 reward coins.Nice Move to advertise

    Reply
  228. Sharad Kothari

    It’s game over for SBI Rewardz. SBI has virtually killed Rewardz by limiting the maximum reward for the month to mere 1000 points (Rs. 250) across all categories of cards. The change was implemented from 15-July-2019.

    So which is now the best debit card for Cred?

    Reply
      1. Amit

        Agree with Sharad. Its massive culling of loyalty programme of sbi debit cards.
        All types/variants of debit card now earns mere 2 points per Rs. 200 with a capping of 100 points per transaction. Further, there is a capping of 1000 points per calendar month per customer id.
        This means one needs to do 10 transactions of Rs. 10000 each (total Rs. 1 lakh) on their debit cards to achieve 1000 points worth Rs. 250. There is no monthly or quarterly bonus anymore.
        Even though one gets 2x points during birthday month but that itself is capped to 200 points (hence, birthday month capping of 1200 points).
        RIP SBIREWARDZ

        Reply
      2. Sharad Kothari

        Check Overview section on rewardz.sbi site. Also check with rewardz customer care.

        Game over.

        Reply
    1. DCB_ULtimate_YFE

      This is true. The representative confirmed this part. RIP SBI Rewards…..

      Reply
      1. MAA-traveler

        This is one hell of a massive devaluation for SBI Rewardz. Other recent devaluations of Yes Bank, IndusInd Bank, etc seems very mild compared to this!

        The other cards that I can think of:
        1. Axis Priority A/c: Are we still getting the 10% cashback for CRED transactions?
        2. DCB Elite savings A/c :1.6% cashback on debit card spends up to 2,000 pm. Max 20k annually.
        3. Citi Gold/Priority/Private Gold A/c: 2% cashback assuming the merchant is “PaymentsPayU” but can anyone confirm?
        4. DCB Treasures A/c: Not sure if we get points for CRED transactions?

        I guess the best account now is DCB Elite savings A/c. Just Rs 25k balance to be maintained.

        @Sid,
        You need to publish an article for the best debit card for Cred?

        Reply
        1. Mouli

          10% cashback for CRED transactions is still going in Axis Priority Account

          Reply
        2. Amit

          The worst part of this devaluation was the effective date of 15 July 2019. This was never published on the rewardz website nor was it communicated to the customers via email or sms on or before 15 July 2019. The overview section of the website was secretly updated around 20th July or 21st July to give it a retrospective effect.

          Reply
  229. Saravana K

    Hi,
    I payed my credit card bill by using CRED app, day before of my due date will it get into my account.

    Reply
    1. Prashant Gupta

      For HDFC Bank and ICICI it generally gets credited next day. For Stanc it takes 2-4 days, Citi 2 days.

      Reply
  230. Sandeep Yadav

    Tried the app today to pay the HDFC credit card, its good , good UI.
    Got the cashback of rs.2214 using 15k cred points.

    How much time does it take to confirm the credit card payment ? on the safer side i made the payment 7 days before just to see how much time it takes.

    Reply
    1. Prashant Gupta

      Cashback of Rs2214…really…i have stopped using kill the bill long time back…..wasted a lot of points infact in lacs on kill the bill….

      Reply
      1. Sandeep Yadav

        And today 20k cashback , yesterday they were running a contest , make 1st payment between 12 pm to 7 pm & if your name starts with S , they will choose the names and will win 100% cashback (max upto 20k)

        Reply
        1. Prashant Gupta

          You are absolutely lucky….congrats….we all have been using the app since beta stage and none of us has got that sort of cashback….

          Reply
  231. Prakash

    i have been paying all my credit card bills and i have 2,97,906 reward points and im not sure how to use it further for my best expenses… paying through cred is not getting me reward points on my credit cards…

    Reply
  232. Mohan

    I have paying credit card bills in Cred using my HDFC Jetprivilege Debit card regularly … The last time where the points were posted to Jetprivilege account is on 9th March … Even though I have been paying >50000 every month using this card, the points are not getting posted … Anyone else facing similar issue? have they stopped giving jpmiles for spends on cred – any idea?

    Reply
    1. Bhavya

      They don’t give points for transactions reflected as Raz/cred.

      Reply
    2. Prasenjit

      Even if they post 2X points, what are you going to do with those brother?

      Reply
  233. Mayank

    Just completed the credit card payment on Cred. They haven’t given me any kill the bill coupons. Have they stopped kill the bill coupons?

    Reply
    1. Tania

      Same query here. Last 2 times, I tap on kill the bill & redirects me to my reward. Dsnt let me use the kill the bill feature.

      Reply
  234. MAA-traveler

    I am looking to open an account with DCB Bank – Elite Savings Account. Can anyone confirm if they give 1.6% cashback (with limits as mentioned) for CRED and other online transactions? Also it is automatic or we need to follow up, redeem etc.?

    Reply
    1. Ramesh Kumar

      You’ll get 1.6% on all debit card spending upto 2K per month, but cashback credit will be done on quarterly basis. No follow up required usually by 4 or 5th day of previous quarter completion.

      Reply
  235. Gagan

    Hello Fellow Cred Users,

    I just logged into Cred app today to pay card bills and was greeted with message – selected for beta program.

    After signup installed beta version from playstore and then got new app installed. UI has been changed – bit bigger but seems cool. After installing beta need to burn 1000 points for seeing features.

    Yes to explore fully and see if any different rewards etc

    Reply
  236. Brighton

    Hi,

    Two days back I paid for credit card but the amount was debited in Cred I got message like payment failed. I pinged with customer care till now there is no response from them..

    Is any other way to touch with the customer care

    Reply
  237. Diwaker Singh

    can someone confirm whether they are getting the 5x reward points on SBI wealth debit card. I got in for Jun, but suddenly stopped working in July. most of the July transactions are now earning at 1X rate only (unline 5X rate earlier) and also getting capped to 100 points per transactions.
    Someone please help confirm if this is happening for all?

    Reply
    1. Sakthivel

      Yes… SBI started capping reward points. for classic, it is 100 per transaction and 1000 per month…

      Reply
    2. MAA-traveler

      Yes. Massive devaluation of SBI Rewardz and particularly SBI Wealth debit card. 2 points for Rs 200 and maximum 100 points per transaction and no monthly/quarterly bonus.

      Time for find another debit card for CRED payments.

      Reply
  238. Rajesh Kamath

    I downloaded app two days back and still waiting for the approval. Can anyone let me know how many days it takes for the approval.

    Reply
  239. Anoop E S

    Noise colour fit 2 fitness band was available yesterday evening through lucky draw burning coins. It was like every 100th token will get noise fitness band costing Rs.1999. Each lot was costing 2000 coins. Was lucky to get two of those burning 38000 coins in total.

    This is a very interesting proposition for Cred. People will be induced to burn coins due to the low requirement for participation, and from Cred side, they giving away one item for every 2 lakh coin. Better than listing an item with 2 lakh coin requirement. Expecting more of these in the coming days.

    Reply
  240. Mahendra

    Today Cred introduce bose speakers color 2 through lucky draw. I was lucky to get those speakers.on first attempt itself. I burnt 2000 coins.
    Speakers original cost is 11,500/-

    Thanks Sid for introducing this app.

    Reply
  241. Sachin Gupta

    Cred is worst app ever. I have nearly burned 68000 CRED points and have played 34 times and I have not won not even single time.

    Well, I guess these rewards system is set to some user for winning or its completely CRED choice who they want to choose the winner or this contest or lucky kind of contest is just to fool customers.

    Also, don’t reply me like just you did in previous emails that ‘many won” as if it’s the case then you people have already decided the winners from your database.

    One can’t be so unlucky not to win by trying 34 times.

    This is the 2nd time this incident is happening. I guess everything is planned on CRED.

    I am waiting for your reply on my query. After that, I will be complaining this to consumer forum and later many review site and uninstalling and will not use this app in the end.

    Reply
    1. Ankur

      Hi Sachin,

      Those are luck draws. So no one is sure about probability of winning. Best approach would be to save cred points and use them for a thing that you know you will surely get. No point in burning points on probable cases.

      Reply
      1. Siddharth Post author

        But if you’ve lot of points, it does make sense to play. Someone I know won 3 london return tickets + with 3 night hotel stay each. That Value goes over 4lakhs easily. Again, its a game!

        Reply
    2. aka

      i didn’t win in 28 tries but then the next day won bookmshow vouchers worth 12 k and the london holiday so you need to persist if you want some returns !!

      Reply
    3. rahul bansal

      Its a draw. you play 500 times or just 1 time, your chance on playing everytime remains the same. every time you burn your points its a separate chance but percentage wise it is same and it is during the 1 st chance or 500th.

      by playing multiple chance , you are just taking more chances and that’s your choice.
      but really every chance is a separate game in itself altogether.

      Reply
  242. ARR

    HI Sachin Guptha,
    Let me tell you my journey with cred.
    I received Rs.13856/- (in total)
    Redeemed for FERN and Petals cakes of 2 kgs two times,
    The Man company products, The moms company products
    Redeemed for mi band 3, Noise X5 buds, Boat255 wireless headset worth Rs.1499/-(today)
    I got so many things from cred.
    Thank you cred and Siddharh for a wonderful app.

    Reply
  243. Varun

    I recently won free flight voucher of 5k on being 100th number in draw. Tried two times first time number 97 and then 100.

    Reply
    1. aka

      This is strange !! This draw didn’t appear on my App…. is it because i have won twice ?? Will anyone be able to comment on it ??

      Reply
  244. Suman

    Here is the trick to get maximum benefits from CRED.

    Imagine you have to pay credit card bill of Rs 10,000, and you pay on CRED and get 5000 coins burn and a 1000 coins burn which by the way if you burn you end up like Rs 8, 10 or 16.

    Now if you split and pay Rs 1000/- in 10 different transactions (1000 coins burn if you pay Rs 1000 in single transaction), you will get on an average Rs 10 for each transaction, that’s like 1% of Rs 10,000 bill payment and if you are lucky you’ll end up even more. So it’s a win win.

    Just keep in mind that you need patience to do the above.

    Reply
    1. Mr Purnaiah

      There is a limit for scratch cards for 1000 .Once you reach the maximum then you won’t be getting any scratch cards for 1000.

      Reply
  245. Nihar

    Guys the value remains in milking maximum cashback through payments using debit card. But for most like me the search is still on, where it’s Axis priority, Citi gold , DCB , SBI wealth ..can someone chip in with his best bet forward ! Let’s make hay while the sun shines.
    Also believe the incredible brand promotions through Cred is not a permanent feature and it will moderate in few months . Let’s hope Cred can create alternate value through this data pool of credit worthy guys which banks & NBFCs don’t seem to tap on !

    Reply
  246. Mayank

    Time to stop using Cred it seems. they’ve set a limit of Rs 2,000 that can be paid using Debit cards apparently to save on the MDR charges. Party seems to be getting over, first via the SBI Wealth Debit card points capping and now by Cred itself.

    Reply
  247. Poornith Ninan

    Just made two payments via CRED. I noticed that they don’t allow for payments above Rs.2000 to be made via Debit Card. You can use UPI or Netbanking for the same. So it is time to kiss goodbye to earning reward points through debit card payments via CRED.

    Reply
  248. Captain Bishuddha Bharatiya

    CRED has added a new restriction. Only Rs. 2,000 can be paid via debit card.

    Reply
  249. Amann

    RIP CRED

    Not actually but you can’t do more than 2,000 payment through debit card in 1 go. Further I have experienced that you can do max 10 transactions or 20k payment in 1 day

    Further no cashback cards for payments.

    Bound to happen someday but I’d hope it would be next year and not so soon.

    Reply
  250. Surya

    Debit card party is over friends, now CRED has debit card payment limit of Rs.2000 and below. For higher payments you need to use Net banking or UPI. It seems the value will start to decrease day by day. Anyways kudos to CRED Team for a wonderful and creative option for credit card bill payment.

    Reply
  251. Jyoti Gattani

    Hi,
    I have made payment of expired credit card by mistake and my amount got debited.
    Payment is showing as successful.
    Kindly advise if it will credited back.

    Reply
    1. Ankit Malhotra

      You have to be more specific here. There can be the following cases :

      1.) The card is expired and you got a new card number while the payment was made to old card. In this case you have nothing at all to worry as the payment will still be reflected to the newly issued card with all the banks. Its just like making outstanding payment to a blocked card. Blocked cards accept credit transactions for different periods of time depending on the each banks policy. If you do not intend to use the renewed card in the near future for the entire amount, then the bank will issue you a check of the excess payment and dispatch it to your address. If you hold an account with the same bank, they may even credit it directly to your account, but this usually happens only after verifying that this was the source account of the funds.

      2.) You closed/cancelled the card account and then made a payment by mistake instead of another card where you intended to. The remedial action is the same as the one mentioned above, where the customer care will get the amount reversed through a check.

      If a new car

      Reply
  252. Amann

    Got them Kill the Bill’s but very little cash back!!!

    Sid
    Which Netbanking payment will give the best rewards is my question now that Debit cards are not going to help.

    Reply
    1. Prem Taparia

      Axis Bank, Standard Chartered (0.0625 value per rupee) and Yes Bank (0.125 value per rupee, max 10 points per transaction)) provide reward points on Netbanking payments. But the returns, as can be seen, are negligible. Still something is better than nothing…

      Reply
      1. Naitik Mehta

        hi is there any other option to make payment thru debit cards except cred? does netbanking give any reward?

        Reply
  253. Praveen s

    What is the CRED lucky draw? I have been using the app since its started but I have never seen a lucky draw. Is there a criteria for this?

    Reply
  254. Siddharth Mehta

    Capping of debit card transaction to 2k is most likely due to MDR. As per RBI, banks have to bear the costs for trxns upto 2k and MDR of 0.9% is applied on trxns greater than 2k. Cred was probably bearing it all this while but it would hurt their finances. So, this was eventually going to happen for sure.

    I don’t why people are in the habbit of cribbing for everything. Some of the posts above say that they want to stop using CRED because of this. Understand that it is your loss and not CRED’s. For years together paying credit card bills was never rewarding. In the last 9 months, the amount of rewards I’ve got through CRED has even surpassed the rewards I get from credit card spends.

    Enjoy the freebies while you can, stop complaining for god’s sake. In a normal situation, you buy an item from a vendor and pay him by cash. The transaction is over and you got nothing. In same situation , you pay by credit card and earn reward points and settle credit card bill and earn points there too. Now, I don’t see a reason how people still find a way to complain about something?

    Reply
    1. Prashant Gupta

      Exactly Siddharth. People in India dint know how to enjoy free things…the cribbing mentality ultimately leads to a fall.

      Reply
    2. Anshul

      According to me, the issue and cribbing is not about this change to payments through debit cards. This was never sustainable in the first place and was only there to lure customers to their platform! What’s pathetic is that Cred did not even put up any proper communication to the customers informing of this change (heck even Paytm does so!). They could have alteast sent an email/sms/app notification, along with a date from which this is going to be effective. Changing tnc overnight is a very bad practice and only brings mistrust for any company.

      Reply
    3. Tejas Ghongadi

      Pardon me! But I find the below sentence a bit too much exaggeration.

      ‘In the last 9 months, the amount of rewards I’ve got through CRED has even surpassed the rewards I get from credit card spends.’

      My Reward Rate of Credit cards has been 10% were as in the same tenure, the reward rate on CRED has been 0.1 to at best 0.2%. I dont see the reward rate on CRED going anywhere above 1%.

      Can you please elaborate how you have achieved a rewards on CRED surpassing the rewards on credit cards.

      Reply
  255. Mohan

    I have managed to accumulate 5 lakh coins. Can the Gourmet Passport (worth 2.5 lakh coins) be availed twice?

    Reply
  256. Rajesh Kodityala

    It seems now even less than 2k debit card transactions failing on using dcb cards.. when contacted cred they are saying some issue with bank… Will be fixed in sometime..

    Reply
  257. Srikanth V V

    Does anyone able to pay using DCB debit card, i tried for 2000 but still CRED says the transaction denied and they didn’t ask for OTP or online PIN during the process. Is anyone able to do it successfully using the DCB debit card?

    Reply
    1. Shikhar Makkar

      If the payment is for more than 1 lakh, then if you want to pay the entire amount in 1 go, it allows you to do so since UPI payment limit is max 1 lakh.

      Reply
    1. Ankur

      Hi Taraka,

      You can archive the card if you don’t want to see it but there is no option to remove.

      Reply
  258. Prashant

    any debit card which gives reward without capping like signal 80k transaction , monthly 4L
    or any credit card which give cash back more than 1.5%

    Ps: debit card use is not on cerd but different payment getaway

    Reply
    1. Amann

      Use Development Credit Bank elite or family debit card. 1.6 % cashback upto 2000 pm and 20,000 in a FY

      Reply
  259. venkata vijay

    hi

    can i add my relative credit card to my cred account, as i regularly pay their bill too.

    Thanks
    Vijay

    Reply
  260. Murali

    Can anyone brief me how is cred benefiting by giving so many rewards? What could be the business model or logic?

    Reply
    1. Ankur

      They are accumulating user data. Later they may bring in partners to cross sell the products.

      Reply
    2. Amex Guy

      Just like every coupon site — they actually get paid for every “reward” they distribute. One of my very close friends operates a highly successful online coupon business. The rule of thumb is is you’re giving off a Rs. 250 coupon, there is around 250 commission on top of it, with company essentially paying Rs. 500 to gain a customer.

      I’ll think CRED makes even more as audience is curated.

      Reply
  261. Tejas Ghongadi

    CRED App now indicates all the major offers available on your credit card. This is a major positive update.

    A single place where you can see all the offers on all your cards.

    Reply