Reviews of CRED: Credit Cards, Bills, UPI

By: Dreamplug Technologies Private Limited App

List of user reviews and ratings for CRED: Credit Cards, Bills, UPI

Total ratings

4.76 (Rating count: 2,976,502)

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Review summary

Overall sentiment is mixed: many reviews call the app easy to use and generally good, with words like 'nice' and 'super app'. However, the dominant downsides are reliability and rewards issues. Users report blank/white screens and the app not opening after updates (and on certain devices). There are frequent problems adding cards/UPI flows, with technical errors and pending actions causing freezes. The jackpots/rewards section is criticized as fake or unredeemable, and Cred Cash is unavailable for long periods despite notices. These recurring problems drive notable frustration.

Pros

Easy to use / user-friendly interface
Generally good app quality with positive feedback (good / excellent)
Described as a "super app" by some users

Cons

Reliability issues: blank/white screens and the app not opening after updates or on certain devices
Rewards/jackpots are fake or not redeemable and support takes long to investigate
Card/UPI flows have technical glitches, with errors and pending actions causing screens to freeze or require app restart
Cred Cash unavailable for long periods despite ongoing notifications to users

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User Reviews

Recent rating average: 2.60

All time rating average: 4.76

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36% (426)

Date	Author	Comment
2026-07-13	Ma*****	good
good
2026-07-13	sa*****	3rd class aap payment of credit card not done within the same day, muzhe overdue bharna pada
3rd class aap payment of credit card not done within the same day, muzhe overdue bharna pada
2026-07-13	pa*****	disgusting I am facing issue with money transaction.I have paid my tution fees through cred, transaction was not completed and put on hold. This is very much disappointed and i want that transaction to be complete fast.
disgusting I am facing issue with money transaction.I have paid my tution fees through cred, transaction was not completed and put on hold. This is very much disappointed and i want that transaction to be complete fast.
2026-07-13	Du*****	good
good
2026-07-13	Vi*****	Your service regarding payments are fine but your rewards are nothing but cheating you never give option to call don't cheat us with your points and rewards system most of your partners cheat us when I try to get my 5 th credit card from your Au bank partner they give me FD linked credit card after asking me 1000 question s
Your service regarding payments are fine but your rewards are nothing but cheating you never give option to call don't cheat us with your points and rewards system most of your partners cheat us when I try to get my 5 th credit card from your Au bank partner they give me FD linked credit card after asking me 1000 question s
2026-07-13	Ga*****	125 cash back dikha ke nhi diya jhu5a app. unintall
125 cash back dikha ke nhi diya jhu5a app. unintall
2026-07-13	Ja*****	good
good
2026-07-13	Re*****	5 se 10 din me update chahiye sabse bekar app hai
5 se 10 din me update chahiye sabse bekar app hai
2026-07-13	Pa*****	I can't pay credit card bill payment through Debit cards
I can't pay credit card bill payment through Debit cards
2026-07-13	Ud*****	3 stars for serving the purpose all these years! But when I paid 2.75 lakhs of credit card bill last 3 months and all I got was a Lenskart Gold Coupon and some useless AI upsell course, it is time to say goodbye.
3 stars for serving the purpose all these years! But when I paid 2.75 lakhs of credit card bill last 3 months and all I got was a Lenskart Gold Coupon and some useless AI upsell course, it is time to say goodbye.