CRED

Fintech

Founded in 2018 by Kunal Shah, CRED is an Indian members-only fintech platform that rewards users for paying their credit card bills on time, offering exclusive deals, experiences, and lending products.

View Official CRED Careers

Official CRED Careers Website

Quick Facts

Founded: 2018
Founder: Kunal Shah
Headquarters: Bengaluru, India
Industry: Fintech & E-commerce

About CRED

CRED was founded in 2018 by serial entrepreneur Kunal Shah (previously founder of FreeCharge). Built on the premise that trustworthy individuals should be rewarded, CRED requires a minimum credit score (typically 750+) for membership. It began simply by offering rewards, or 'CRED Coins', for paying credit card bills on time.

Over time, CRED evolved into an ecosystem encompassing e-commerce (CRED Store), payments (CRED Pay, UPI), lending (CRED Cash), and investments (CRED Mint). The company is known for its highly distinctive design language, gamified user experience, and memorable marketing campaigns.

What CRED Does

Bill Payments & UPI

Credit card bill payments, utility payments, and CRED Pay for UPI transactions.

CRED Store & Rewards

Curated e-commerce marketplace and rewards platform accessible via CRED Coins.

Financial Services

CRED Cash (instant credit) and CRED Mint (peer-to-peer lending for members).

CRED Escapes

Curated luxury travel and staycation packages.

Career Areas

Types of professional roles found inside CRED.

Software & Mobile Engineering
Design (UI/UX & Visual)
Product Management
Data Science & Analytics
Marketing & Brand Strategy
Risk & Compliance
Operations

CRED's History

2018
Founded
CRED founded by Kunal Shah in Bengaluru.
2020
CRED Pay launched
CRED Pay launched, allowing users to use CRED Coins for online merchant payments.
2021
Unicorn status
CRED reaches unicorn valuation ($1B+) and launches CRED Mint (P2P lending).
2024
Kuvera acquisition
CRED acquires online wealth management platform Kuvera.

Purpose & Values

“To build a community of trustworthy individuals and reward them for good financial behavior”

CRED states its mission is to create a trust-based ecosystem where good financial behavior is recognized and incentivized, fundamentally changing how financial products are distributed and consumed in India.

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