CRED review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
CRED suits people who already pay an ICICI credit card bill and want a cashback reward for clearing it, without carrying an annual charge. The annual fee is INR 0, and on that measure CRED ranks 1 of 301 brands compared here.
Key facts
- Best for
- Cashback on every ICICI credit card bill payment, with an annual fee of INR 0.
- Annual fee
- ₹0 (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- rewards on every ICICI credit card bill payment (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
- Official website
- cred.club
Pros and cons
Pros
- Rewards land on bill payments: rewards on every ICICI credit card bill payment.
- The rewards type is cashback, so the reward is money back rather than points.
- The listed feature is rewards and the card kind is credit, which keeps the card focused on paying bills.
Cons
- The reward is tied to bill payments, rewards on every ICICI credit card bill payment, so everyday card spending is not rewarded.
- It is a credit card tied to one bank, so it works alongside an ICICI credit card you already hold.
- Several alternatives charge nothing to hold either, with annual fees of £0 and $0, so the fee is not the deciding factor.
Who it suits
- ICICI credit card holders who want a reward for clearing the bill, since the reward is rewards on every ICICI credit card bill payment.
- People who want cashback rather than points, as the rewards type is cashback.
- Anyone who wants rewards without an annual charge, with an annual fee of INR 0.
Who should look elsewhere
- Varo Believe Secured Credit Card, if you want a secured card instead, though its annual fee is also $0.
- Wise, if a fee-free account suits you better, since its annual fee is £0.
- Chime Card (Secured Visa Credit Card), if a secured Visa credit card fits your plans, with an annual fee of $0.
How CRED compares
Where CRED is available
- Available
- India
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does CRED cost to hold?+
The annual fee is INR 0 and the model is listed as no annual fee, so there is no yearly charge to budget around. On that measure CRED ranks 1 of 301 brands compared here.
How do I earn the reward with CRED?+
The rewards rate is listed as rewards on every ICICI credit card bill payment, so the reward comes from paying the credit card bill rather than from everyday spending. You would need an ICICI credit card already in place, since the reward attaches to that bill payment.
Is the CRED reward cashback or points?+
Cashback. The rewards type is listed as cashback, so what comes back is money rather than points or miles. The listed feature is rewards, which fits a rewards card aimed at clearing card bills.
What kind of card is the CRED card?+
It is a credit card with rewards as its listed feature. Because the reward is tied to an ICICI credit card bill payment, it pairs with a card you already hold instead of replacing it.
How does CRED compare on cost with other cards?+
Its annual fee of INR 0 sits level with the site median, €0, and CRED ranks 1 of 301 brands ranked on annual fee. Several alternatives also charge £0 or $0, so cost is rarely what decides it.
Who is the CRED card for?+
It suits people who already hold an ICICI credit card and want a reward for clearing the bill, since the reward is rewards on every ICICI credit card bill payment. Someone hoping for points or airline miles would find the cashback reward a poor match.
What score does CRED get?+
The overall score is 6.4 and the cost part is 6.4. Cost is where the card stands out, since the annual fee is INR 0, while the rest of the score sits closer to the middle of the field.
What are the alternatives to CRED?+
Alternatives with an annual fee of $0 include Varo Believe Secured Credit Card, a secured card rather than a bill payment reward. Wise also charges £0, and Chime Card (Secured Visa Credit Card) charges $0, so the fee alone does not separate them.
Sources
- cred.club/credit-card-bill-payment-online/icici-bank checked September 26, 2026
Backs: Annual fee, Card kind, Features, Pricing model, Rewards rate, Rewards type
“no, the credit card payment facility on the CRED app is absolutely free”
Compiled from 1 source page, checked September 26, 2026. We did not open an account.
Not confirmed yet: APR, Currency conversion fee.