CRED is a members-only club that rewards individuals for their timely credit card bill payments by providing them with exclusive offers and access to premium experiences.

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 and is based in Bengaluru, Karnataka, India.

CRED is committed to protect the data and information of its members. It works on the guiding principle of opt-In consent and full transparency. The company's secure processes and technology implementations combined with regulatory compliance is how it access, store, and use member data.

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. It 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 is backed by leading investors including Tiger Global Management, Ribbit Capital, General Catalyst, Sequoia Capital India, & Gemini Investments among others. The company raised $120M in its latest funding of a "Series B" round on Jul 26, 2019. This brings CRED's total funding to $175.5M to-date.



  • Year founded: 2018
  • Funding Info: $175.5M in 3 Funding Rounds (Last Funding Type: Series B)
  • Yearly Revenue: NA
  • Employee Size: 51-200
  • Business Valuation: Valued at approx. $400M as of Jul 26, 2019
  • City/Town: Bangalore
  • State: Karnataka
  • Country: India
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