Is there a limit on the bill amount I can pay using CRED?

No, you can pay your entire bill amount for all cards added on the platform. However, payments made through debit cards are capped at Rs.2,000 for security reasons.

I have paid my credit card bill through netbanking on the app but my session timed out. What do I do?

If your session timed out during the payment process, you can initiate the payment process again.

I have paid my bill through CRED but have not got a notification from my bank as yet. Why is this?

Depending on the bank and method of payment, it might take up to 2 working days for the bank to process your bill payment.

Can I pay the FinBooster: Yes Bank - BankBazaar Co-branded Credit Card bill on Cred?

Yes, the FinBooster: Yes Bank - BankBazaar Co-branded Credit Card bill can be paid on Cred.

Does CRED charge a fee for card verification/bill payments through the app?

No, CRED does not charge for verifying your cards or credit card payments made through the app.

Credit Card Bill Payment Through CRED

CRED is a free credit card bill payment mobile application. Available for download on iOS and Android platforms, it simplifies the bill payment process and rewards users for paying their card bills on time.

Updated On - 05 Sep 2025

Cred accepts MasterCard, Visa, RuPay, American Express as well as Diners Club credit cards issued by most major banks.

How CRED Works

CRED can be accessed only if you have a credit score (CIBIL) of 750 and above. CRED requests access and verifies your current credit score from credit bureaus like Experian, Crif and CIBIL. If you qualify, the app will integrate existing cards to your CRED account. A detailed registration guide is mentioned below:

Install the app from your Android/iOS mobile phone and sign up with your mobile number.
After verifying your number by OTP, the app will check your credit score and notify you if you are eligible for the service.
On successful verification, the app will add all credit cards linked to your mobile number. You can add up to 10 credit cards at a time, with the option to add more if required.
You have to verify your card details by adding in the masked numbers.
CRED will instantly verify your card/cards by depositing Re.1 through IMPS/UPI.
After verification, you can pay your credit card bills and earn reward points equal to the bill amount paid.

How To Make Credit Card Payments on CRED

You can pay your credit card bills through netbanking, debit card and UPI. Follow the steps below to pay your bills on CRED:

Log in to your CRED account through the app. Under the 'Cards' tab, choose the card/cards whose bill you wish to pay.
The bill amount as well as minimum due etc. will be displayed on-screen. Click on 'Pay Now' and enter the amount you wish to pay.
Choose the method of bill payment:
1. If you're paying through UPI, you will have to link your UPI address and verify the same before making your payment.
2. If you're paying through debit card, add the card details. After CRED has verified your card, you can authorise the payment.
3. If you're paying through netbanking, select your bank from the list. You will be redirected to your bank's netbanking page to complete the transaction.
After a successful transaction, you will receive a transaction ID for your reference. The app will also reflect the amount paid.
Depending on the bank/method of payment, it could take up to 2 working days for the payment to be realised by your bank.

Advantages of Using CRED

Besides being a one-stop platform for paying your credit card bills, you also earn reward points for every Rupee you pay towards your bill. The reward points are called 'CRED coins' and are redeemable on various offerings on the CRED app. Offer are updated regularly on the app, and you can redeem your CRED coins (known as 'burning CRED coins') across categories.
You can track your payment history for all cards added on the platform, as well as keep track of upcoming bills.
Features such as 'Kill the bill' enable you to earn cashback towards repaying your bill.
You will get a reminder each time your card bill is generated, ensuring you don't miss/delay a payment.

Credit Card Bill Payment Related Pages

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FAQs on Credit Card Bill Payment Using CRED

Is there a limit on the bill amount I can pay using CRED?
No, you can pay your entire bill amount for all cards added on the platform. However, payments made through debit cards are capped at Rs.2,000 for security reasons.
I have paid my credit card bill through netbanking on the app but my session timed out. What do I do?
If your session timed out during the payment process, you can initiate the payment process again.
I have paid my bill through CRED but have not got a notification from my bank as yet. Why is this?
Depending on the bank and method of payment, it might take up to 2 working days for the bank to process your bill payment.
Can I pay the FinBooster: Yes Bank - BankBazaar Co-branded Credit Card bill on Cred?
Yes, the FinBooster: Yes Bank - BankBazaar Co-branded Credit Card bill can be paid on Cred.
Does CRED charge a fee for card verification/bill payments through the app?
No, CRED does not charge for verifying your cards or credit card payments made through the app.

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