CRED is a fintech startup that helps people improve their credit score by encouraging them to pay their credit card bills on time.

CRED's platform that allows credit card users to manage multiple cards along with an analysis of their credit score.

CRED was founded in 2018 by Kunal Shah. The company is based in Bengalore, Karnataka, India.


CRED's credit card spend tracking and management feature which provided the user with analysis of spend tracking and efficiency of usage of the card.


CRED is also equipped with the CRED protect feature which is an an AI backed system that keeps track of every single nuance of a credit card payment journey - right from due date reminders, spend patterns and other card usage statistics.


CRED has amassed over 7.5 million members. More than 1,300 brands — including big names Starbucks, TAGG, Eat.Fit, Nykaa and emerging premium DTC brands such as The Man Company, Sleepy Cat and Crossbeats –have joined the platform in recent years.


CRED is backed by Tiger Global, Insight Partners, Coatue, Dragoneer, GIC, Falcon Edge Capital, General Catalyst, Ribbit Capital, Sequoia Capital India, DST Global, Sofina Ventures, Steadfast, Alpha Wave Ventures, and others. The company raised $140M in Series F round on Jun 09, 2022. This brings CRED's total funding to $801.5M to date. The latest round valued the company at a $6.4B post-money, up from previous $4B gained in Oct 2021.



  • Year founded: 2018
  • Funding Info: $801.5M over 7 Rounds (Latest Funding Type: Series F)
  • Yearly Revenue: NA
  • Employee Size: 501-1,000
  • Business Valuation: Valued at $6.5B as of Jun 09, 2022
  • City/Town: Bangalore
  • State: Karnataka
  • Country: India
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