CRED
Founded Year
2018Stage
Series F | AliveTotal Raised
$832.48MValuation
$0000Last Raised
$140M | 3 yrs agoRevenue
$0000Mosaic Score The Mosaic Score is an algorithm that measures the overall financial health and market potential of private companies.
-12 points in the past 30 days
About CRED
CRED offers a members-only platform that offers financial and lifestyle progress for creditworthy individuals in the financial services sector. The company provides tools for managing credit cards, improving credit scores, and rewarding financial decisions with exclusive perks and privileges. CRED's services cater to individuals looking for secure financial management and lifestyle benefits. It was founded in 2018 and is based in Bengaluru, India.
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ESPs containing CRED
The ESP matrix leverages data and analyst insight to identify and rank leading companies in a given technology landscape.
The card-linked rewards programs market allows card issuers to integrate merchant rewards into their card programs, incentivizing consumers to use their products. Card-linked programs typically involve the use of a payment card or account linked to a loyalty program or offer, which automatically applies discounts or rewards at the point of sale. Additionally, this market enables merchants to drive…
CRED named as Leader among 14 other companies, including American Express, Visa, and Mastercard.
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Research containing CRED
Get data-driven expert analysis from the CB Insights Intelligence Unit.
CB Insights Intelligence Analysts have mentioned CRED in 5 CB Insights research briefs, most recently on Jun 14, 2023.
Dec 21, 2022 report
The top 50 individual angel investors
Sep 13, 2022
3 retail tech trends to watch in Q3’22
Expert Collections containing CRED
Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.
CRED is included in 6 Expert Collections, including Unicorns- Billion Dollar Startups.
Unicorns- Billion Dollar Startups
1,270 items
Loyalty & Rewards Tech
618 items
Startups allowing global brands and local shops alike to offer tech-enabled loyalty and rewards programs including loyalty software, AI-powered loyalty, blockchain-powered loyalty, and more.
Payments
3,123 items
Companies in this collection provide technology that enables consumers and businesses to pay, collect, automate, and settle transfers of currency, both online and at the physical point-of-sale.
Future Unicorns 2019
50 items
Fintech
13,661 items
Excludes US-based companies
Fintech 100
749 items
250 of the most promising private companies applying a mix of software and technology to transform the financial services industry.
Latest CRED News
Mar 22, 2025
The insightful post attracted a lot of attention, with most people putting forth their views on Kunal Shah's opinion. Kunal Shah, founder of Cred Cred founder Kunal Shah on Saturday opined that entrepreneurs who are not able to solve a wide range of problems are not successful, and a high intelligence quotient (IQ) does not mean that a person is good at solving problems. Sharing his views on X, Shah said, “Those who are not good at solving wide range of problems don’t succeed as entrepreneurs.” “Many high IQ people are not good at solving wide range of problems,” he added. Shah said that a lot of problems while building a company are related to how one deals with people, which requires the skill of being able to solve a wide range of problems. “Many problems building a company are related to dealing with people,” the Cred founder wrote. Netizen reaction to Kunal Shah's post The insightful post attracted a lot of attention, with most people putting forth their views on Kunal Shah's opinion. “The ability to connect with people, build trust, and lead effectively is what turns ideas into thriving businesses,” a user said. “ Entrepreneurship demands adaptability across diverse challenges, especially those involving people,” another user added. The user further agreed with Shah and said that high IQ was not enough. “High IQ alone isn’t enough—it’s emotional intelligence, resilience, and problem-solving across unpredictable domains that determine success. A company isn’t just built on ideas; it’s built on navigating human dynamics.” Another user opined that intelligence does not matter if people do not like working with someone. “No one cares how smart you are if they don’t like working with you. If working with you feels like a burden, your intelligence is irrelevant,” they said. Kunal Shah, an entrepreneur and angel investor, founded Cred in 2018. The fintech company is a members-only credit card bill payment rewards platform. Shah is also the co-founder of Freecharge, which he sold to Snapdeal in 2015.
CRED Frequently Asked Questions (FAQ)
When was CRED founded?
CRED was founded in 2018.
Where is CRED's headquarters?
CRED's headquarters is located at 100 Feet Road, Bengaluru.
What is CRED's latest funding round?
CRED's latest funding round is Series F.
How much did CRED raise?
CRED raised a total of $832.48M.
Who are the investors of CRED?
Investors of CRED include Tiger Global Management, Sofina, Dragoneer Investment Group, Alpha Wave Global, GIC and 27 more.
Who are CRED's competitors?
Competitors of CRED include OneCard and 3 more.
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Compare CRED to Competitors
OneCard operates as a financial services company that provides a metal credit card. OneCard serves individuals seeking a credit card with benefits like family sharing limits and flexible equated monthly installment (EMI) options. It was founded in 2019 and is based in Pune, India.
KB NBFC serves as a financial services provider focused on credit solutions for students in India. The company offers a range of products, including financing for online purchases, loans for two-wheelers, and college tuition, as well as cash loans, all tailored to the needs of college students with flexible repayment options. It was founded in 2016 and is based in Bangalore, India.
Uni is a fintech company that focuses on redefining the credit card experience within the financial services industry. The company offers credit cards with features such as cashback rewards, zero foreign exchange markup, and a user-friendly mobile application for managing finances. Uni primarily serves the consumer finance sector with its innovative credit card solutions. It was founded in 2020 and is based in Bengaluru, India.
Stashfin provides digital lending solutions within the financial sector. The company offers credit lines and personal loans to borrowers, addressing their credit needs through a digital experience. Stashfin serves individuals looking to manage their financial situation and establish their credit history. It was founded in 2016 and is based in New Delhi, India.
Slice operates as a financial technology company. The company offers a digital prepaid account for everyday payments, a fast and simple way to make payments via credit or UPI. The company primarily serves the financial services industry. Slice was formerly known as Slice Pay. It was founded in 2016 and is based in Bengaluru, India.
CheQ operates a customer-first platform that focuses on improving the credit health of customers.The platform platform makes it easier for users to track, manage and make all their credit payments on one platform. It was founded in 2022 and is based in Bengaluru, India.
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