Third-party · Wallet
CRED
Credit-card bill app with UPI attached. Membership is gated on credit score. Rewards are coins and campaigns, not a fixed cashback rate on every transfer.
Install and signup
How to start using CRED
Use the checked provider route above, not an APK sent over chat. The ordinary bank-account UPI setup takes four steps.
- Open the official install or signup link and verify the app developer.
- Register with the mobile number linked to your bank account.
- Select the bank, allow the verification SMS, and choose the account.
- Create or confirm the UPI PIN. Never enter the PIN to receive money.
The questions
What CRED can keep in one transaction trail.
Yes means that payment is supported. The goal is to keep most UPI payments easy to check later: status, reference ID, reversal and dispute path. Cashback is shown only as context.
| Payment | Supported | Reward note |
|---|---|---|
| Paying a shop | Yes | — |
| Mobile recharge | Not checked | — |
| Credit card bill | Yes | — |
| Utility bills | Not checked | — |
| FASTag | Not checked | — |
| Sending money to a person | Yes | — |
| RuPay credit card on UPI | Yes | — |
Credit card bills can be paid here. Use the right credit card for earning rewards; use this row to confirm bill-payment convenience.
PSP bank on file: Axis Bank, Yes Bank. That helps identify the payment route; it is not a reason to chase rewards.
Quoted from the source
CRED is an invite-only fintech app designed for users with a high credit score (750 or above). It mainly helps people manage and pay their credit card bills.
cashfree.comUsers can win 100% cashback on scan-and-pay, with rewards credited to CRED balance. The experience is more gamified than predictable.
withupi.comCRED appears in the current NPCI TPAP source checked on 4 October 2026.
npci.org.in
Questions people ask
CRED FAQs
What is CRED?
Credit-card bill app with UPI attached. Membership is gated on credit score. Rewards are coins and campaigns, not a fixed cashback rate on every transfer.
Is CRED an NPCI-listed UPI app?
Yes. NPCI listed CRED in its UPI PPI applications roster when checked on 4 October 2026.
How do I install and sign up for CRED?
Open the official install or signup link on this page, verify the developer name, register with the mobile number linked to your bank, select the bank account, and create or confirm the UPI PIN. Never enter a UPI PIN merely to receive money.
Does CRED need a bank account?
Yes. The product information on file says a linked bank account is required for CRED.
Which banks and UPI handles does CRED use?
The PSP bank or banks on file are Axis Bank, Yes Bank. Handles on file include @yescred, @axisb, @cred.
Does CRED give cashback or rewards?
No stable cashback rate is verified for CRED. Any scratch card, coupon, coin or campaign shown in the app can change and should not be treated as a guaranteed return on every UPI payment. Pick CRED only if it is convenient for the payments you actually make.
Does CRED charge for UPI payments?
No app-use fee is verified in this record. Ordinary bank-account UPI payments are usually free to the customer, but card bills, wallet loading, credit products and other services can have separate fees. Check the confirmation screen before paying.
What is the daily UPI limit on CRED?
There is no single verified CRED limit in this record. The effective limit can depend on your bank, transaction type, beneficiary cooling period and the app's risk controls. Your bank and the live payment screen are the final sources.
Should I use CRED only for rewards?
No. Use CRED if it makes everyday UPI easier to check later: merchant payments, transfers, bills, recharges, bookings, transaction history, UPI reference IDs, reversals and support. UPI rewards are usually temporary and capped. For rewards and cashback, credit cards are normally the better product.
Is CRED safe?
CRED should be installed only from the official link or a verified app-store listing. Check the developer, never share an OTP or UPI PIN, and remember that a UPI PIN authorises money leaving your account—it is not needed to receive money.
What should I do if a CRED payment fails but money is deducted?
Do not pay again immediately. Open the transaction, save the UPI reference, amount and time, check the bank account for a reversal, and raise a complaint inside CRED if it does not reverse within the stated period. You can also use NPCI's official UPI Help service.