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CRED
3.5
based on 126 Reviews
Video summary
Company Overview
Company Locations
Working at CRED
Company Summary
Fintech company for reward-based credit card bill payments
Overall Rating
3.5/5
based on 126 reviews
5% below
industry average
Critically rated for
Promotions, Work-life balance, Job security
Work Policy
Work from office
62% employees reported
Monday to Friday
60% employees reported
Flexible timing
81% employees reported
No travel
71% employees reported
View detailed work policy
Top Employees Benefits
Free meal
8 employees reported
Health insurance
7 employees reported
Job/Soft skill training
4 employees reported
Cafeteria
3 employees reported
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About CRED
Founded in2018 (7 yrs old)
India Employee Count201-500
Global Employee Count--
India HeadquartersBangalore,Karnataka, India
Office Locations
Websitecred.club
Primary Industry
Other Industries
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We're a team of creative, driven and persistent people. We want to create a community of the creditworthy. We want to re-imagine the ideal way of life that works on two way trust and respect. Every partnership, collaboration or idea we create works towards providing an experience beyond imagination. Every member is passionate towards this goal. This passion seamlessly drives us forward. If you have ideas, passion and courage, bring them to the table. Company culture to us stands at the forefront of what we believe in. We aim at finding unique people who will stand the test of time.
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CRED Ratings
based on 126 reviews
Overall Rating
3.5/5
How AmbitionBox ratings work?
5
47
4
36
3
14
2
7
1
22
Category Ratings
3.7
Salary
3.6
Company culture
3.4
Skill development
3.2
Work satisfaction
3.1
Job security
3.1
Work-life balance
2.9
Promotions
CRED is rated 3.5 out of 5 stars on AmbitionBox, based on 126 company reviews.This rating reflects an average employee experience, indicating moderate satisfaction with the company’s work culture, benefits, and career growth opportunities. AmbitionBox gathers authentic employee reviews and ratings, making it a trusted platform for job seekers and employees in India.
Read more
Gender Based Ratings at CRED
based on 113 reviews
2.9
Rated by 29 Women
Rated 3.3 for Salary and 3.3 for Skill development
3.8
Rated by 84 Men
Rated 3.9 for Company culture and 3.8 for Salary
Work Policy at CRED
based on 26 reviews in last 6 months
Work from office
62%
Hybrid
38%
CRED Reviews
Top mentions in CRED Reviews
+ 5 more
Tide Business Finance Platform
Thrive at work, live fully - experience balance like never before!
Compare CRED with Similar Companies
 |  Change Company |  Change Company |  Change Company | |
|---|---|---|---|---|
Overall Rating | 3.5/5 based on 126 reviews | 3.3/5 based on 7.4k reviews | 3.8/5 based on 301 reviews | 4.0/5 based on 2.3k reviews  |
Highly Rated for |  No highly rated category | No highly rated category | Work-life balance Job security Company culture | Salary Skill development Work-life balance |
Critically Rated for | Promotions Work-life balance Job security | Job security Promotions Company culture | Promotions |  No critically rated category |
Primary Work Policy | Work from office 62% employees reported | Work from office 48% employees reported | Hybrid 39% employees reported | Work from office 51% employees reported |
Rating by Women Employees | 2.9 Poor rated by 29 women | 3.2 Average rated by 624 women | 3.8 Good rated by 59 women | 3.4 Average rated by 170 women |
Rating by Men Employees | 3.8 Good rated by 84 men | 3.3 Average rated by 6.4k men | 3.9 Good rated by 217 men | 4.0 Good rated by 2k men |
Job security | 3.1 Average | 2.7 Poor | 3.8 Good | 3.8 Good |
View more
CRED Salaries
CRED salaries have received with an average score of 3.7 out of 5 by 126 employees.
Software Engineer
(46 salaries)
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₹12.8 L/yr - ₹45 L/yr
Product Manager
(34 salaries)
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₹14.7 L/yr - ₹47 L/yr
Software Developer
(27 salaries)
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₹12.7 L/yr - ₹45 L/yr
Product Designer
(24 salaries)
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₹5.4 L/yr - ₹17.8 L/yr
Backend Developer
(22 salaries)
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₹18 L/yr - ₹52.6 L/yr
Data Scientist
(21 salaries)
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₹28.6 L/yr - ₹48.8 L/yr
Production Analyst
(19 salaries)
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₹15 L/yr - ₹30 L/yr
Front end Developer
(17 salaries)
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₹10.1 L/yr - ₹28.6 L/yr
Senior Software Engineer
(16 salaries)
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₹24 L/yr - ₹64 L/yr
Senior Product Manager
(16 salaries)
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₹26 L/yr - ₹60 L/yr
CRED Interview Questions
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CRED News
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CRED’s Business Model: Genius or a Bubble Waiting to Burst?
- CRED is a polarizing startup in India, praised by some and criticized by others.
- CRED rewards users for paying credit card bills on time, targeting premium creditworthy consumers.
- Engagement has been successful, but the question remains if it will translate into profitability.
- CRED plans to earn through lending marketplace, advertising, and transaction fees.
Medium | 3 Mar, 2025
CRED Cranks Up The Loan Machine
- CRED reported revenue of over INR 2,400 Cr last year, targeting top 1%-2% of fintech customers.
- The latest changes at CRED focus on monetizing the premium segment of users with products like secured loans.
- The Svalbard Release by CRED introduces secured loans, revamps credit card experience, and adds credit score history feature.
- CRED's approach of catering to the premium segment of the market is likened to Apple's strategy.
- Kunal Shah's interview revealed insights about CRED's acquisition of Kuvera and its potential in lending.
- CRED aims to differentiate by offering a unique product experience to top-tier customers amidst fierce competition.
- The super app battle in the fintech space intensifies, with multiple players like Paytm, PhonePe, and Google Pay in the race.
- CRED's revenue growth in FY24 was substantial, but the company aims for profitability by FY26.
- CRED's strategic additions like credit score history and secured loans enhance user engagement and revenue potential.
- The emphasis on lending could be a significant revenue multiplier for CRED, inching closer to industry giants like PhonePe and Paytm.
Inc42 | 2 Mar, 2025
Kunal Shah Says You Need A Credit Score Of 750+ To Work At CRED
- The fintech firm CRED, founded by Kunal Shah, requires job applicants to have a credit score of 750+.
- Kunal Shah mentioned that this requirement is to ensure that the company lives up to its promise of driving responsible financial behavior.
- CRED actively helps potential employees achieve a credit score of 750+, if they don't already have one, within three months.
- While uncommon in India, performing credit checks on candidates is more common in developed markets, especially in the fintech industry.
Startup Pedia | 26 Feb, 2025
CRED Beefs Up Its Credit Game To Further Super App Ambitions
- Fintech giant CRED has launched a suite of credit offerings called 'Svalbard' to strengthen its credit game.
- The suite includes multiple credit-related products such as CRED Cash+, allowing users to get instant liquidity against mutual funds with lower personal loan rates.
- CRED Credit Score provides personalised predictions based on users' credit scores and their choices, helping them make informed credit decisions.
- CRED's Card Management simplifies the management of multiple credit cards by consolidating statements, providing trend insights, and helping track real-time credit.
Inc42 | 26 Feb, 2025
Cred launches ‘Svalbard,’ allowing users to credit lines against mutual funds investments
- Fintech startup Cred has launched 'Svalbard', a suite of tools for creditworthy members.
- Svalbard features predictive analytics, personalised plans, and visualisation of credit progress.
- The platform offers a unified dashboard for card management and real-time monitoring.
- Cred reported revenue of ₹2,473 crore and narrowed operational loss in FY24.
HinduBusinessLine | 25 Feb, 2025
CRED Launches Svalbard with AI-based Credit Management and Predictive Scoring
- Fintech platform CRED has launched Svalbard, a suite of credit experiences to empower members.
- Svalbard offers innovations in credit score management, credit card control, and liquidity solutions.
- New features include predictive analytics, goal-setting system, dynamic credit visualization, and clear credit health report.
- Svalbard also offers a unified dashboard for credit card management and introduces digital credit lines against mutual fund investments.
Analyticsindiamag | 25 Feb, 2025
CRED unveils Svalbard to simplify credit management and boost scores
- CRED has unveiled Svalbard, a suite of credit management tools to help members improve credit scores and simplify credit management.
- Svalbard includes a predictive credit score tool, enhanced card management features, and instant loans against mutual funds.
- The platform also offers a unified credit card dashboard, a system to detect hidden charges and billing errors, and a feature to borrow against mutual fund holdings.
- CRED aims to make responsible credit behavior easier and provide users with control over their financial future.
Yourstory | 25 Feb, 2025
Kunal Shah On Why India Should Treat AI like WhatsApp and LED Bulbs
- CRED CEO Kunal Shah suggests India should adopt AI like WhatsApp and LED bulbs, rather than focusing on building foundational AI models.
- Shah emphasizes leveraging existing technologies like UPI and finding ways to solve inefficiencies in the country using AI.
- He encourages India to become the largest user and beneficiary of AI, rather than worrying about competing with China and the US.
- Shah highlights the need to prepare for AI's impact, including addressing biases, being wary of echo chambers, and developing the ability to learn new concepts quickly.
Analyticsindiamag | 21 Feb, 2025
Top 50+ Fintech Startups in India | Indian Fintech Startups in 2025
- Fintech has become an important part of the global economy, with all financial operations carried out through paperwork only, as the paper-based medium was considered the safest.
- India has the largest share of fintech startups through ‘payments’, followed by Wealth Tech, Fintech, Insurtech, and others.
- Paytm, Pine Labs, Razorpay, Groww, and Policybazaar make up the top five fintech startups in India.
- Other prominent fintech startups include BharatPe, Cred, CoinSwitch, and Digit Insurance.
- The fintech startups offer various services including payments, financing, insurance, investments, and loans.
- Some of the fintech startups use advanced technology such as AI, mobile integrations, and digital banking to make the process smoother and hassle-free.
- Zerodha, a discount broker for retail trading, is the largest fintech company in India in terms of active clients.
- One of the biggest challenges for fintech startups in India is to stay up-to-date on regulatory changes and compete with traditional brokers.
- Despite challenges, the future goals of fintech startups in India include expanding product offerings, enhancing financial literacy initiatives and improving technology infrastructure for scalability.
- Other notable fintech startups in India include Loanwalle, KreditBee, Sqrrl, and ClearTax.
VIE Stories | 11 Feb, 2025
This fintech startup enables loan against mutual fund in just 30 minutes
- Quicklend, a fintech startup based in Bengaluru, allows individuals to secure loans against their mutual funds (MF) through the digital platform.
- Quicklend aims to offer a seamless platform where users can secure a loan against their mutual funds in just 30 minutes.
- According to Association of Mutual Funds in India (AMFI), the assets under management of the mutual fund industry was Rs 66.93 lakh crore at the end of December, 2024 making the opportunity for Quicklend large.
- The founders of Quicklend bring a wealth of experience from both established technology companies as well as startups including Google, Amazon, Cred, Freecharge, Redbus, Stripe, and Grab.
- Currently, Quicklend facilitates the entire loan process for customers using its MF holdings.
- It has partnered with mutual fund distributors and other fintech firms to identify potential customers.
- Quicklend claims that the entire loan process can be completed in just 30 minutes.
- Quicklend earns a commission from the financial institutions for every successful loan disbursal, and does not charge anything for the customers availing this facility.
- The platform provides loans ranging from Rs 25,000 to Rs 3 lakh, and allows customers to borrow up to 50% of their MF holdings.
- As part of its future plans, Quicklend is exploring the possibility of providing loans against stocks or properties but these are still early days.
Yourstory | 10 Feb, 2025
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CRED FAQs
When was CRED founded?
CRED was founded in 2018. The company has been operating for 7 years primarily in the FinTech sector.
Where is the CRED headquarters located?
CRED is headquartered in Bangalore,Karnataka and has an office in Bangalore / Bengaluru
How many employees does CRED have in India?
CRED currently has more than 300+ employees in India. Engineering - Software & QA department appears to have the highest employee count in CRED based on the number of reviews submitted on AmbitionBox.
Does CRED have good work-life balance?
CRED has a work-life balance rating of 3.1 out of 5 based on 100+ employee reviews on AmbitionBox. 34% employees rated CRED 3 or below, while 66% employees rated it 4 or above for work-life balance. This rating suggests that while some employees recognize efforts towards work-life balance, there is scope for improvement based on employee feedback. We encourage you to read CRED work-life balance reviews for more details
Is CRED good for career growth?
Career growth at CRED is rated as poor, with a promotions and appraisal rating of 2.9. 34% employees rated CRED 3 or below on promotions/appraisal. This rating reflects a negative sentiment among employees for career growth. We recommend reading CRED promotions/appraisals reviews for more detailed insights.
What are the cons of working in CRED?
Working at CRED does have some drawbacks that potential employees should consider. The company is poorly rated for promotions / appraisal, work life balance and job security, based on 100+ employee reviews on AmbitionBox.
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