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CRED
3.5
based on 131 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 131 reviews
5% below
industry average
Critically rated for
Promotions, Work-life balance, Job security
Work Policy
Work from office
56% employees reported
Monday to Friday
64% employees reported
Flexible timing
81% employees reported
No travel
70% 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
View all benefits
Pine Labs
We don't just offer jobs; we offer financial empowerment.
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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View in video summary
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 131 reviews
Overall Rating
3.5/5
How AmbitionBox ratings work?
5
47
4
39
3
14
2
9
1
22
Category Ratings
3.6
Company culture
3.6
Salary
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 131 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 118 reviews
3.0
Rated by 32 Women
Rated 3.3 for Skill development and 3.2 for Salary
3.7
Rated by 86 Men
Rated 3.9 for Company culture and 3.8 for Salary
Work Policy at CRED
based on 27 reviews in last 6 months
Work from office
56%
Hybrid
44%
CRED Reviews
Top mentions in CRED Reviews
+ 5 more
Principal Global Services
We take pride in our strong company culture that values every employee.
Rated 3.8 for Company Culture by our employees on AmbitionBox
Compare CRED with Similar Companies
Change Company | Change Company | Change Company | ||
|---|---|---|---|---|
Overall Rating | 3.5/5 based on 131 reviews | 4.2/5 based on 239 reviews | 3.5/5 based on 194 reviews | 3.9/5 based on 513 reviews |
Highly Rated for | No highly rated category | Work-life balance Company culture Salary | No highly rated category | Salary |
Critically Rated for | Promotions Work-life balance Job security | No critically rated category | Job security Skill development Promotions | No critically rated category |
Primary Work Policy | Work from office 56% employees reported | Hybrid 62% employees reported | Work from office 60% employees reported | Work from office 58% employees reported |
Rating by Women Employees | 3.0 Average rated by 32 women | 4.2 Good rated by 62 women | 3.0 Average rated by 26 women | 4.4 Good rated by 77 women |
Rating by Men Employees | 3.7 Good rated by 86 men | 4.2 Good rated by 170 men | 3.7 Good rated by 159 men | 3.8 Good rated by 386 men |
Job security | 3.1 Average | 4.0 Good | 3.0 Average | 3.4 Average |
View more
CRED Salaries
CRED salaries have received with an average score of 3.6 out of 5 by 131 employees.
Software Engineer
(51 salaries)
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₹13.5 L/yr - ₹49.8 L/yr
Product Manager
(35 salaries)
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₹12.5 L/yr - ₹40 L/yr
Software Developer
(28 salaries)
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₹13.7 L/yr - ₹38.1 L/yr
Senior Software Engineer
(26 salaries)
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₹24 L/yr - ₹80 L/yr
Backend Developer
(22 salaries)
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₹18 L/yr - ₹52.6 L/yr
Product Designer
(21 salaries)
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₹5.1 L/yr - ₹17 L/yr
Production Analyst
(19 salaries)
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₹15 L/yr - ₹30 L/yr
Senior Product Manager
(17 salaries)
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₹26 L/yr - ₹60 L/yr
Front end Developer
(17 salaries)
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₹10.1 L/yr - ₹28.6 L/yr
Data Scientist
(16 salaries)
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₹20.4 L/yr - ₹23.1 L/yr
CRED Interview Questions
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CRED News
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Chinese OEMs Under India’s🔎, Downround At CRED & More
- India is scrutinizing the use of Chinese telecom equipment in domestic networks, reminiscent of the 2020 ban on Chinese apps.
- Telecom major telcos like Reliance Jio, Airtel, Vodafone Idea, and BSNL have been asked to report all Chinese gear in their networks.
- There's a strategic move to reduce reliance on Chinese tech due to US-China tensions, and excluding Huawei and ZTE from 5G, although their equipment is still used in older networks.
- India aims for a more secure wireless network by excluding Chinese vendors from new contracts and allowing only 'trusted source' vendors under amended licensing norms.
- The Centre launched a PLI scheme for Telecom and Networking Products to build a reliable supply chain, keeping Chinese sources at bay.
- Info Edge founder highlights VC disinterest and founder motivation issues in deeptech sector in India.
- Fintech unicorn CRED plans a downround funding raising $100-200 Mn valuing the company at $4 Bn post-money, a 37% decline from its previous valuation.
- Optimized Electrotech raises $6 Mn in Series A round for building high-speed space surveillance systems.
- Virat Kohli backs sportswear startup Agilitas, focusing on an end-to-end value chain for footwear.
- Swiggy expands quick food delivery app SNACC to Noida and Gurugram, aiming for faster delivery in 15 minutes.
Inc42 | 15 Apr, 2025
Cred in Talks to Raise Fresh Funding as Valuation Drops Over 30% to $4 Billion
- Bangalore-based credit card payment platform Cred is in talks to raise $100-200 million in a funding round led by GIC, which would value the startup at $4 billion, down from its previous $6.4 billion valuation.
- The potential down round reflects a correction in the global tech sector valuations. Cred's major shareholders, including Peak XV Partners, Tiger Global, Ribbit Capital, and QED Innovation Labs, are expected to participate in the round.
- Cred aims to achieve profitability and plans to have a few profitable quarters before its potential IPO in the next two years.
- The company has reportedly reduced its cash burn and has around Rs 1,000 crore of cash in the bank. It has also launched loans against mutual funds and expanded into various sectors since its founding in 2018.
Startup Story | 14 Apr, 2025
CRED Looks To Raise Up To $200 Mn With Steep Cut In Valuation
- Fintech unicorn CRED is looking to raise $100-200 Mn in a new funding round that would value the company at $4 Bn post-money, a decrease from its previous valuation of $6.4 Bn.
- CRED is in talks with existing investors, including GIC, Peak XV Partners, Tiger Global, Ribbit Capital, and QED Innovation Labs, to raise fresh capital.
- The fresh funding will support CRED's growth plans, including a potential IPO in the next two years, as the company aims to achieve profitability.
- CRED saw a significant increase in operating revenue in FY24, but also experienced a net loss during the same period.
Inc42 | 14 Apr, 2025
Top 10 Most Funded Fintech in India For 2025
- India's fintech sector remains robust despite global funding slowdown, ranking as the third-highest funded globally.
- Top Indian fintech companies in 2025, based on cumulative capital raised, are highlighted.
- Paytm ranks high with over USD $3.48 billion funding, offering a full-stack financial services ecosystem.
- PhonePe follows with USD $2.29 billion funding, excelling in the UPI ecosystem and expanding services.
- Pine Labs secures USD $1.32 billion, focusing on merchant commerce and expanding internationally.
- DMI Finance with USD $1.13 billion funding, excels in diverse financial services across platforms.
- CRED, with USD $867 million funding, targets high-credit-score individuals and offers various services.
- Razorpay raised USD $741 million, expanding into business banking services and direct-to-consumer tools.
- BharatPe with USD $604 million funding focuses on unorganised merchant segment digitization.
- Chargebee, a subscription revenue management platform, raised USD $475 million, aiding SaaS businesses.
- Digit Insurance at USD $467 million and Acko Insurance at USD $458 million mark emerging players in digital insurance.
Fintechnews | 14 Apr, 2025
Scoop: Cred in talks to raise new funds as valuation slips by over 30% to $4 billion
- Cred is in talks to raise $100-200 million in fresh funding, with a valuation of around $4 billion.
- The financing is likely to be led by GIC, along with other major shareholders like Tiger Global and Ribbit Capital.
- Cred aims to raise funds based on improved financial performance and a reduction in financial burn.
- The reduced valuation is in line with Cred's plan to tap the public markets in the future.
Economic Times | 14 Apr, 2025
Cred in talks to raise new funds as valuation slips by over 30% to $4 billion : sources
- Cred is in talks to raise $100-200 million in fresh funding, valuing the company at $4 billion.
- The financing is expected to be led by GIC, along with other major shareholders like Tiger Global and Ribbit Capital.
- The reduced valuation is in line with Cred's plan to tap the public markets in the next two years.
- Cred has been focused on reducing cash burn and improving profitability, with revenue growing and cash reserves of around Rs 1,000 crore.
Economic Times | 14 Apr, 2025
The Complete List of India Fintech Unicorns (2025)
- India's fintech unicorns have become a symbol of the booming startup ecosystem, reshaping financial services with accessibility and technology.
- Backed by investor interest and government support, India's fintech growth story began in 2011 with InMobi as the first unicorn.
- Government initiatives like Startup India have fostered fintech growth, leading to IPOs, mergers, and acquisitions exceeding $4 billion in the last decade.
- As of March 2025, India boasts 27 fintech unicorns, with one being a decacorn valued over $10 billion.
- The fintech sector contributes 5% of total revenues in the BFSI industry, with payments and lending dominating 85% of capital raised.
- The number of registered fintech startups in India grew fivefold from 2,100 in 2021 to 10,200 in 2024.
- India's fintech unicorns are expanding globally and setting the stage for global fintech leadership.
- The unicorns are divided into categories including Payments, Lending Tech, Fintech Infra/SaaS, InsurTech, WealthTech, and Others.
- Leading payment unicorns include PhonePe, Paytm, BillDesk, Razorpay, Pine Labs, CRED, BharatPe, and PayU.
- In the Lending Tech category, Slice, Yubi, Oxyzo, InCred Finance, DMI Finance, and MoneyView are notable unicorns.
Fintechnews | 24 Mar, 2025
fintech-focused VC firm Ribbit Capital to raise $500 million for its latest flagship fund
- Fintech-focused VC firm Ribbit Capital plans to raise $500 million for its latest flagship fund.
- The San Francisco-based firm has previously invested in Indian fintech unicorns including CRED, Razorpay, BharatPe, and PhonePe.
- Despite facing a funding slowdown in India's fintech sector, Ribbit Capital has displayed a strong interest in the country.
- Globally, fintech investments have fallen, but recent developments suggest improving investor appetite.
ISN | 22 Mar, 2025
Fintech player super.money takes fifth position beating Cred in UPI ecosystem
- Fintech player super.money has overtaken Cred to secure the fifth position in the UPI ecosystem.
- Navi emerged as the fourth-largest UPI app, surpassing Cred, which slipped to sixth place.
- super.money witnessed 139 million transactions in February, while Navi recorded 261 transactions.
- PhonePe remains the dominant UPI app with a 47.5% market share, followed by Google Pay and Paytm.
HinduBusinessLine | 15 Mar, 2025
"This Is Your Sign": CRED CEO Kunal Shah Urges Bengaluru Startups To Adopt AI Before It’s Late
- CRED CEO Kunal Shah urges Bengaluru startups to adopt AI before it's too late.
- Only 20% of Bengaluru startups fully use AI, according to Kunal Shah.
- Shah believes it is crucial for startups to embrace AI and not fall behind.
- Shah emphasizes the need for experts to become AI native to remain relevant.
Startup Pedia | 15 Mar, 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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