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CRED
3.5
based on 128 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 128 reviews
5% below
industry average
Critically rated for
Promotions, Work-life balance, Job security
Work Policy
Work from office
51% employees reported
Monday to Friday
62% employees reported
Flexible timing
82% 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
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 128 reviews
Overall Rating
3.5/5
How AmbitionBox ratings work?
5
46
4
38
3
14
2
8
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 128 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 115 reviews
2.9
Rated by 31 Women
Rated 3.3 for Salary and 3.2 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 24 reviews in last 6 months
Work from office
51%
Hybrid
49%
CRED Reviews
Top mentions in CRED Reviews
+ 5 more
Compare CRED with Similar Companies
Change Company | Change Company | Change Company | ||
|---|---|---|---|---|
Overall Rating | 3.5/5 based on 128 reviews | 4.3/5 based on 229 reviews | 3.5/5 based on 193 reviews | 3.9/5 based on 500 reviews |
Highly Rated for | No highly rated category | Company culture Work-life balance Job security | No highly rated category | Salary |
Critically Rated for | Promotions Work-life balance Job security | No critically rated category | Skill development Job security Promotions | No critically rated category |
Primary Work Policy | Work from office 51% employees reported | Hybrid 66% employees reported | Work from office 63% employees reported | Work from office 60% employees reported |
Rating by Women Employees | 2.9 Poor rated by 31 women | 4.3 Good rated by 58 women | 3.0 Average rated by 26 women | 4.4 Good rated by 72 women |
Rating by Men Employees | 3.8 Good rated by 84 men | 4.2 Good rated by 164 men | 3.7 Good rated by 158 men | 3.8 Good rated by 378 men |
Job security | 3.1 Average | 4.1 Good | 3.0 Average | 3.4 Average |
View more
CRED Salaries
CRED salaries have received with an average score of 3.7 out of 5 by 128 employees.
Software Engineer
(45 salaries)
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₹13.5 L/yr - ₹55.5 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 - ₹45.5 L/yr
Senior Software Engineer
(24 salaries)
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₹21.3 L/yr - ₹80 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
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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₹22.4 L/yr - ₹40.2 L/yr
CRED News
View all
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
Flipkart’s Super.Money Pushes CRED Out To Take 5th Place Of Top 5 UPI Apps
- Flipkart's super.money has become the fifth largest UPI player, pushing CRED to sixth place.
- Navi and super.money continued to grow in UPI transactions, with Navi surpassing CRED in November.
- PhonePe and Google Pay control over 83% of the UPI market, while Paytm strives to stay competitive.
- NPCI Chief reveals that UPI has 450 million users, with 200 million active daily.
Startup Pedia | 14 Mar, 2025
Urban Company Joins Q-Commerce Boom, super.money Beats CRED & More
- Urban Company has introduced a 15-minute maid booking service called 'Insta Maids'.
- super.money emerged as the fifth largest UPI player in February, overtaking CRED in terms of transactions.
- Purple Style Labs has raised $40 Mn as part of its Series E round, led by SageOne.
- Groww is in talks to acquire wealthtech startup Fisdom as part of its plans for expansion.
Inc42 | 14 Mar, 2025
Flipkart’s super.money Climbs UPI Leaderboard In February
- Flipkart-backed payment app super.money has become the fifth largest UPI player in February.
- super.money processed 13.9 Cr UPI transactions, overtaking CRED with 12.6 Cr transactions.
- Overall UPI transactions dropped by 5% in February, but increased by 33% YoY.
- PhonePe retained the lead with 765.6 Cr transactions, while Google Pay remained in second place.
Inc42 | 13 Mar, 2025
Food delivery startup Swish raises Rs 122 crore from investors led by Hara Global and Accel
- Bengaluru-based 10-minute food-delivery startup Swish raises $14 million (about Rs 122 crore) in a funding round led by Hara Global and Accel.
- Funding also involved angel investors like Cred founder Kunal Shah, Unacademy founder Gaurav Munjal, and Softbank partner Sumer Juneja.
- The capital will enable Swish to expand operations in Bengaluru and introduce quick food delivery to more areas in the near future.
- Previously reported plans indicated Swish's aim to secure a funding round of $15-20 million.
- Swish had earlier raised $2 million in its first funding round led by Accel, bringing its total funding to $16 million.
- Founded in 2024, Swish undertakes food preparation to delivery within a 1.5-2 km radius, managing multiple cloud kitchens in Bengaluru.
- The 10 to 30-minute delivery services are rapidly growing in urban markets, with platforms like Blinkit, Bolt, and Cafe entering the quick-commerce space.
- Hara Global praised Swish's innovative approach in revolutionizing the restaurant industry for quick commerce.
- Accel's partner Abhinav Chaturvedi commended Swish's scalable product and delivery model, anticipating further customer satisfaction and growth.
Economic Times | 8 Mar, 2025
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
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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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