CRED
An Indian fintech app for credit card bill payments with rewards and financial services.
CRED at a glance
CRED is a finance & banking website and one of the most visited sites in India, currently ranked #125 in the country. It was founded in 2018 by Kunal Shah and is headquartered in Bengaluru, India. Today CRED is owned by Dreamplug Technologies. Our estimates put its audience at ≈ 25 million visits per month. The business earns money mainly through merchant partnerships, lending fees, commerce. Its closest rivals include phonepe.com, paytm.com, slice.com.
Traffic statistics
Traffic history
| Period | Visits | Change |
|---|---|---|
| Q1 | ≈ 23.5 million / month | +2% |
| Q2 | ≈ 24.3 million / month | +3% |
| Q3 | ≈ 25 million / month | +3% |
| Q4 | ≈ 26.5 million / month | +6% |
Traffic sources
- Direct72%
- Organic search18%
- Referral5%
- Paid3%
- Social2%
Audience & demographics
- Men53%
- Women47%
- Age 25-3429%
- Age 35-4426%
- Age 45-5422%
The audience is concentrated in India, skewing urban and mobile, with usage peaks in the evening hours.
Geographic reach
- India86%
Home market
- Diaspora and neighbouring markets7%
- Europe3%
- North America2%
- Rest of world2%
SEO profile
- Estimated organic traffic
- ≈ 7.5 million visits / month
- Branded share of search
- High — brand terms lead the keyword profile
- Indexed pages
- Large — category, listing or article level
- Primary search market
- India
Top organic keywords
| Keyword | Position | Volume | Traffic share |
|---|---|---|---|
| cred | 1 | Very high | Dominant |
| online banking login | Top 10 | High | — |
| money transfer | Top 10 | High | — |
| loan rates | Top 10 | High | — |
Backlink profile
- Referring domains
- Tens of thousands
- Link profile
- News coverage, directories, blogs and partner sites
- Authority
- High within the India web
Top referral sources
- News and media31%
- Directories and aggregators24%
- Blogs and forums20%
- Partner sites14%
- Other11%
Technology stack
Website technologies
Advertising & analytics technologies
Stack details are inferred from public front-end signals and engineering communications; internal systems may differ.
Mobile app statistics
Available in the local store
Available in the local store
- App share of traffic
- ≈ 82% mobile
- Position in country
- Among the leading finance & banking apps in India
Company information
- Website
- cred.club
- Sector
- Finance & Banking
- Owner
- Dreamplug Technologies
- Owner type
- Private company
- Founders
- Kunal Shah
- Founded
- 2018
- Headquarters
- Bengaluru, India
- Employees
- 1,000+
- Ownership
- Dreamplug Technologies controls the platform. Ownership details are based on public filings and press reporting.
- Revenue
- ≈ $200 million annual revenue (est.)
- Languages
- English
- Top traffic sources
- direct, organic search, referral
Financials
- Revenue
- ≈ $200 million annual revenue (est.)
- Ownership
- Private company
- Reporting
- Figures based on public filings, press reports and market estimates
Business model & revenue
CRED operates a bank and digital financial platform focused on India. An Indian fintech app for credit card bill payments with rewards and financial services. Revenue comes mainly from merchant partnerships, supported by the other lines listed below.
- Merchant partnerships
- Lending fees
- Commerce
Products & services
International presence
- Primary market
- India
- Expansion
- Regional and diaspora audiences beyond the home market
Employee statistics
Customer statistics
Website rankings
- Country rank (India)
- #125 in this index
- Sector rank
- Leading finance & banking site in India
- Global rank
- 4000
Main competitors
Website comparisons
| Website | Monthly visits | Rank | Notes |
|---|---|---|---|
| phonepe.com | ≈ 15 million / month | #126 class competitor | — |
| paytm.com | ≈ 11.2 million / month | #127 class competitor | — |
| slice.com | ≈ 7.5 million / month | #128 class competitor | — |
What is CRED?
CRED (cred.club) is a bank and digital financial platform serving users in India. An Indian fintech app for credit card bill payments with rewards and financial services. It ranks #125 among the most visited websites in the country in this index, within the finance & banking category.
Who owns CRED?
The site is operated by Dreamplug Technologies, founded by Kunal Shah. The company was established in 2018 and is headquartered in Bengaluru, India. It employs around 1,000+.
Traffic and audience
Traffic estimates place CRED at roughly 25 million visits per month, about 0.8 million per day. Around 82% mobile of sessions come from mobile devices, and visitors view about 6.3 pages per visit with an average session of 6 min.
How CRED makes money
Revenue comes primarily from merchant partnerships, alongside lending fees, commerce.
Competitors in India
Its closest rivals include phonepe.com, paytm.com, slice.com.
Data and accuracy
Company facts are drawn from public sources. Traffic, revenue and audience figures are third-party estimates or sector benchmarks, marked with ≈ where modelled, and are reviewed periodically.
Company history & milestones
- 2018
CRED is founded in Bengaluru, India.
- Growth phase
Expands its finance & banking offering and moves to a mobile-first product.
- Today
Ranks #125 among the most visited websites in India.
User reviews & ratings
| Source | Score | Reviews | Notes |
|---|---|---|---|
| Google Play | ≈ 4.3 / 5 | — | Ratings from the local store listing |
| App Store | ≈ 4.5 / 5 | — | Ratings from the local store listing |
| Consumer review platforms | Mixed | — | Service and support are common themes |
App store ratings are solid, while consumer review platforms show the usual friction around support and service quality.
Pros & cons
Pros
- Full account management without branch visits
- Instant local transfers and bill payments
- Strong authentication and fraud monitoring
- Wide ATM and branch network behind the app
Cons
- Occasional downtime during peak load
- Fee structure is hard to compare
- Customer support wait times
- Older interface areas outside the mobile app
Key statistics
Frequently asked questions
Who owns CRED?
CRED is operated by Dreamplug Technologies. Private company structure, based on public filings and press reporting.
Where is CRED headquartered?
CRED is headquartered in Bengaluru, India.
When was CRED founded?
CRED was founded in 2018 by Kunal Shah.
How many employees does CRED have?
CRED employs approximately 1,000+ people.
What is CRED's revenue?
CRED's revenue: ≈ $200 million annual revenue (est.).
Who are CRED's competitors?
Main competitors in India include phonepe.com, paytm.com, slice.com.
How does CRED make money?
Mainly merchant partnerships, lending fees, commerce.
Is CRED publicly traded?
No — CRED is not listed as an independent public company; it is operated by Dreamplug Technologies.
How many visitors does CRED get?
Third-party estimates place CRED at roughly 25 million visits per month, mostly from India, with 82% mobile traffic.
Is CRED safe?
CRED is an established finance & banking site founded in 2018 and ranked #125 in India; use the official domain cred.club and HTTPS.
Popular searches
Data sources & confidence
- Company website and public announcementscred.club
- Third-party traffic estimation providersSimilarweb-class estimates
Visit figures are modelled, not measured
- App store listingsApple App Store, Google Play
- Press and market coverageIndia and international business media
- Data confidence
- Medium for company facts, medium-low for traffic and financial estimates. All modelled figures are rounded and marked with ≈.
- Last updated
- September 2026
Traffic, revenue and audience figures are third-party estimates or derived from sector benchmarks, and are reviewed periodically.
Social media profiles & statistics
Official brand account
Announcements and support
Community and campaigns
Company and hiring updates
Brand and product videos