Welcome to the CRED club! At CRED we are creating a system that strives to reward high trust and creditworthy individuals of India, inspiring others to be like them. 

By registering with CRED and accessing the CRED Services, you are representing the following:

b. You are capable of entering into a legally binding agreement; and

c. You are not barred or otherwise legally prohibited from accessing or using the CRED App and CRED Services.

You agree to seek your credit score from Credit Information Companies using the CRED App and disclose the said credit score to CRED. CRED may use the said credit score to determine your eligibility for access to various CRED Services. CRED may at its sole discretion prevent Users from accessing the CRED App and the CRED Platforms in part or in whole if the credit score of a User is lower than a minimum entry threshold set by CRED.

If you allow anyone to use your account, including individuals under 18 years of age, you will still be responsible for ensuring that such individuals comply with these Terms of Use. You will be responsible for all actions these individuals take in and/or through your account. You also acknowledge that CRED does not have the responsibility of ensuring that You meet the aforesaid eligibility requirements. 

Please read the terms and conditions carefully before registering, accessing or using the CRED Services (defined below) offered through the cred.club website, CRED App (defined below) or through applications or websites of CRED Group Entities (defined below). These terms and conditions are a legal contract ("Terms of Use") between You and Dreamplug Technologies Private Limited (“CRED”) having its registered office at 404 Uphar II CHS Ltd., Plot No.5, BHD Sanjeeva ENCL, 7 Bunglows, Near Juhu Circle, Mumbai, Maharashtra 400 061 and its corporate office at CRED, No. 769 and 770, 100 Feet Road, 12th Main, HAL 2nd Stage, Indiranagar, Bangalore 560038. You agree and acknowledge that you have read the terms and conditions set forth below. If you do not agree to these Terms of Use or do not wish to be bound by these Terms of Use, you may not use the CRED Services and/or immediately terminate the Services and/or uninstall the CRED App. 

“CRED”, “Dreamplug” “We”, “Us”, “Our” means CRED and CRED Group Entities.

“You”, “Yours”, “Yourself”, “User” means any prospective user, or registered user of CRED and CRED Group Entities, including but not limited to customers and Commercial Partners.

“CRED App” means mobile application(s), hosted by CRED and CRED Group Entities for providing services to the Users, and Commercial Partners.

“CRED Group Entities” means subsidiaries and affiliates of CRED. 

‘CRED Platform” means any platform owned/subscribed/used by CRED or CRED Group Entities including but not limited to the CRED Website, the CRED App, other mobile applications, devices, URLs/links, notifications, chatbots, CRED’s social media channels or any other communication medium or mechanism used by CRED or CRED Group Entities to provide services to the Users.

“CRED Website” means  https://cred.club or any other website hosted or registered by CRED or CRED Group Entities.

“CRED Services” means and include all services offered / to be offered by CRED, and CRED Group Entities either directly or through its Commercial Partners including but not limited to CRED Max Services, CRED Cash Services, Credit Card Bill Payment Services, CRED Pay Services, Rewards and CRED Store Services; and in relation to Merchants, also includes Payment Aggregator Services.

“Commercial Partner” means any individual or entity with whom CRED or CRED Group Entities have a contractual relationship and includes but is not limited to entities offering rewards on CRED App, Sellers, Lenders, CRED Pay Merchants etc.

“Sellers” means entities offering goods for sale to the Users via CRED Store.

“Terms of use” / “Terms and Conditions” are interchangeably used and mean these Terms of Service including the Supplemental Terms.

a. Unless otherwise permitted by CRED in writing, You may only possess one account.

b. Your use of the App shall not violate any applicable law or regulation.

c. Your use of the CRED App, and CRED Platforms shall be only for personal purposes.

d. All registration information you submit is truthful, complete and accurate and you agree to maintain accurate, complete and up-to-date account information in your account.

e. You are responsible for all activity that occurs under your account. 

f. You are responsible for maintaining the confidentiality of the access credentials of your account and are fully responsible for all activities that occur under your account. You agree to immediately notify CRED of any unauthorized use of your passcode or account or any other breach of security. 

g. You agree that You are aware and responsible for all transactions taking place through your Account. You shall continue to be responsible for the transactions in your account, if you knowingly or negligently (i) grant any other person access to your CRED App, (ii) permit them to transact on Your account, or (iii) transact on any other person’s behalf or directions; whether by sharing one-time passwords or in any other manner.  

h. You shall not indulge in decompiling, reverse engineering, disassembling content, removing any intellectual property right associated with the CRED App, including our copyright, trademarks, trade secrets, designs, and patents, or other proprietary notices.

i. You shall not access or use the CRED App in any manner that (i) may be harmful to the operation of the CRED App or its content; (ii) may be unlawful; (iii) maybe harmful to CRED or to any other User; (iv) may hinder the other User’s enjoyment of the CRED App; or (v) to defraud other Users, CRED or any Commercial Partner.

j. You shall not post, distribute, or otherwise transmit or make available any software or other computer files that contain a virus, other harmful component or malicious content, or otherwise impair or damage the CRED App or any connected network, or otherwise interfere with any person or entity's use or enjoyment of the CRED App.

k. You shall not delete or modify any content of the CRED App.

l. Your use of the CRED App shall indicate that you have provided consent to automatically receive updates such as bug fixes, patches, enhanced functions, missing plug-ins and new versions (collectively, ‘Updates’), for the purpose of effective delivery of the CRED Services. Please note that your continued use of the CRED App following such Updates would mean deemed acceptance by you of the same.

m. You understand and accept that not all products, services and rewards offered on the CRED App are available in all geographic areas and you may not be eligible for all the products, services and rewards offered by CRED on the CRED App or other CRED Platforms. CRED reserves the right to determine the availability and eligibility for any product, services and rewards offered on the CRED App or any CRED Platform.

n. You shall request CRED, to block the Account and change the passcode immediately for the account, if your device has been lost or stolen.

3. Supplemental Terms and delivery of services through CRED Group Entities

You agree and acknowledge that several features including but not limited to CRED Max, CRED Cash, CRED Pay, Credit Card Bill Payments and Rewards, are subject to certain supplemental Terms of Use set out below. Your usage of any features that have a set of Supplemental Terms of Use is deemed to be acceptance of the said Supplemental Terms of Use.  You further agree that any CRED Services may be provided to You either directly by CRED or by any CRED Group Entity and in particular, any payment to you or made by you may be routed through Dreamplug PayTech Services Private Limited (“Payment Aggregator”).

4. Violation of Terms of Use / Suspicious Activity

If We believe that you have violated any of the conditions as mentioned under these Terms of Use, our Privacy Policy, Supplemental Terms applicable to certain services or any agreements consented to via the CRED App, we reserve the right to suspend your access to the CRED App and/or delete your account without prior notice to You. If We have reason to believe that there is suspicious or unusual activity being carried out through your account, we may temporarily or permanently suspend your access to the CRED Services. If we suspect that any feature, offer or reward promotion is being availed by You in a manner (i) that is disingenuous (for example: placing orders without intending to take delivery or intending to subsequently cancel all or substantially all of them); (ii) that it is not intended to be availed; (iii) that purports to artificially increase (or decrease) your transaction volume or usage of the App (for example: paying rent or credit card bills by breaking them down into numerous smaller transactions); (iv) that is designed to deliberately side step fair use restrictions; (v) that may result in you gaining an undue, unfair or unethical advantage over other Users or Commercial Partners; (vi) that is intended to cause losses or other harm to Commercial Partners, CRED reserves the right to reverse the relevant transaction, suspend the account or restrict you from using the App in its entirety or any specific feature(s) thereof. You may reach out to the CRED support team to assist you with any query or question arising as a result of the aforementioned suspension/ deletion.

5. Termination / Deletion of Your Account

You may end your legal agreement with CRED at any time by deactivating your account and discontinuing the use of the CRED Services. We provide all our Users an option through which a User may request archive of a specific card stored on his/her account or deletion/deactivation of the complete account through the support section on the CRED App. 

Following a request for deletion, or termination of account by CRED, We consider the agreement to be terminated and take appropriate steps. Provided however, CRED may continue to maintain transaction records for record keeping purposes and/or regulatory reasons. Deletion of the account or Termination also does not terminate Your obligations undertaken prior to deletion or termination of the account including but not limited to the obligation to repay any loan or credit line availed by You. CRED may continue to retain a record of your transactions made on the CRED App for regulatory and archival purposes.

You are responsible for any fees that may be applicable to certain transactions or use of the CRED App; where you will be notified of such applicable fees, prior to the completion of any transaction. By clicking ‘Proceed’ / ‘Submit’ / ‘Continue’ or any other similar button on the CRED App, You shall be deemed to have consented to the fees displayed on the said page. 

CRED offers its users loyalty points in various forms for their regular and continuous use of the CRED App. These loyalty points are provided for performing various actions on the CRED App. Each user who makes his/her credit card payments through the CRED App earns loyalty points (“CRED Coins” or “Coins”). Users are issued Coins at a one-to-one conversion i.e. every rupee paid towards credit card payments equals to one Coin received by the User. Similarly, each user can also earn loyalty points (“CRED Gems” or “Gems”) for referring friends to the CRED App. A user may get rewarded upto 10 (ten) gems for each successful referral. These loyalty points including CRED Coins or CRED Gems are rewarded purely for the regular use of the CRED App and the CRED App does not permit any purchase or accrual of these loyalty points in any other way. These loyalty points may be redeemed by Users to participate in various rewards/offers that are run by the CRED App for all users from time to time.

CRED reserves the right, at its sole discretion, to change the mode of the accrual of one or any of these types of loyalty points, including the number of such loyalty points received in proportion to the User’s activities. Further, CRED reserves the right to disqualify any User, who does not meet the offer requirements or for any other reason including but not limited to any misuse of the offer or fraud or suspicious transaction/activity or under any legal requirement or applicable rules and regulations, from receiving any loyalty points. CRED also reserves the right to discontinue or change or issue any new form of loyalty points offered at any time, at its sole discretion. CRED may also at its discretion specify an expiry period for the CRED Coins and CRED Gems.

We collect, hold, use and transfer your personal data in accordance with our Privacy Policy. By agreeing to the Terms of Use, you hereby agree to our Privacy Policy, which may be updated and/or modified by us from time to time. You understand and agree that, to the extent permitted by applicable law, any data provided by you in connection with the CRED Services may be shared with our subsidiaries, afﬁliates or partners, and/ or used by us for enhancing the CRED Services, including but not limited to creating new products. Please refer to the Privacy Policy for further clarity on the subject.

The CRED Services, including all content, software, functions, material, and information made available or accessible through the CRED Platform are provided “as is”. CRED, CRED Group Entities and their respective agents, co-branders or partners, make no representation and warranty of any kind for the content, software, functions, material, and information available/accessible through the Services.

CRED does not warrant that the functions contained in content, information and materials on the CRED App, including, without limitation any third-party sites or services linked to the CRED App or any CRED Platform will be uninterrupted, timely or error-free, that the defects will be rectified, or that the CRED App or the servers that make such content, information, and materials available are free of viruses or other harmful components.

Further, You understand that a payment transaction is solely between the User who uses the CRED Services to make his payment (“Sender”) and the User who receives such payment from the Sender (“Recipient”) and that CRED does not provide any guarantees or warranties to any User with respect any service, goods, or delivery level commitment provided by the Recipient. CRED cannot assure that Commercial Partners or other Users are or will be complying with the foregoing Terms of Use or any other provisions mentioned here. You assume all risk of harm or injury resulting from any such lack of compliance by any other User or Commercial Partner. You should ensure that you have undertaken adequate due diligence prior to transferring payments using the CRED App.

In no event shall CRED, CRED Group Entities, their officers, shareholders, subsidiaries, associate companies, directors, employees and agents, partners, co-branders, licensors, licensees, consultants, or contractors be liable to you or any third party for any special, incidental, indirect, consequential or punitive damages or losses whatsoever, or damages for loss of data or profits, goodwill, and/ or other intangible loss, whether or not foreseeable and regardless of whether CRED has been advised of the possibility of such damages, or based on any theory of liability, including breach of contract or warranty, negligence or other tortious action, or any other claim arising out of or in connection with your use of, or access to, the CRED Platforms, CRED App or CRED Services.

In no event shall CRED and CRED Group Entities’ total cumulative liability to You in connection with the CRED Services for all damages, losses and causes of action (whether arising under contract or otherwise), arising from or relating to Your use of the CRED App and CRED Platforms or arising from these Terms of Use exceed INR 10,000 (Indian Rupees ten thousand only). 

You agree to defend, indemnify and hold harmless CRED, CRED Group Entities, its officers, owners, directors, employees and agents, partners, co-branders, licensors, licensees, consultants, contractors and other applicable third parties (collectively ‘Indemnified Parties’) from and against any and all claims, demands, damages, obligations, losses, liabilities, cause of action, costs or debt, and expenses (including any legal fees) arising from:

a. your use of and access to the CRED App and the CRED Platforms;

b. your violation / breach of any of these Terms of Use;

c. your violation of any third party right, including any intellectual property right or privacy right;

d. the committing of any of the prohibited activities as stated herein;

e. your failure to be in compliance with applicable law, including tax laws and cyber security laws; or

f. any claim that your use of the CRED App caused damage to a third party.

In consideration for CRED granting you access to and use of the CRED App, CRED Platforms and CRED Services, you agree that in case of any dispute between You and any Commercial Partner or other User or recipient of the funds transferred by You, CRED shall not be a party to the same. While CRED is not obligated to mediate or resolve disputes, CRED will assist Users in communicating with each other regarding a dispute. CRED may at its own discretion however, without having any obligation to do so, assist in resolving the disputes between the Users and the Commercial Partners.

Except as otherwise set forth in these Terms of Use, these Terms of Use shall be exclusively governed by and construed in accordance with the laws of India. Any dispute, conflict, claim or controversy arising out of or broadly in connection with or relating to the CRED Services or these Terms, including those relating to its validity, its construction or its enforceability, but excluding those provisions where it has been specified that CRED’s decision shall be final,  (any “Dispute”) shall be, if initiated by the User, first raised by the user to grievanceofficer@cred.club. If such Dispute has not been settled within sixty (60) days after the User reaches out to the aforementioned email IDs, such Dispute can be referred to and shall be exclusively and finally resolved by arbitration under the Arbitration and Conciliation Act, 1996 (“Act”). Provided however when CRED raises any dispute, CRED may directly initiate arbitration in accordance with this clause. The Dispute shall be resolved by one (1) arbitrator to be appointed by CRED. The place the arbitration shall be Bangalore, India. The language of the arbitration shall be English. The existence and content of the arbitration proceedings, including documents and briefs submitted by the parties, and correspondence, orders and awards issued by the sole arbitrator, shall remain strictly confidential and shall not be disclosed to any third party without the express written consent from the other party unless: (i) the disclosure to the third party is reasonably required in the context of conducting arbitration proceedings; and (ii) the third party agrees unconditionally in writing to be bound by the confidentiality obligation stipulated herein.

13. Use and Protection of Intellectual Property Rights

CRED App, CRED Website, CRED logos and the CRED Services are protected by copyright, trademarks, patents, trade secret and/or other intellectual property laws. No information, content or material from the CRED App including, without limitation, all of the page headers, images, illustrations, graphics, audio clips, video clips or text, reports generated, trademarks, tradenames may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way without Our express written permission. You are hereby given a limited licence to use the CRED App and the CRED Platforms, subject to your agreement of these Terms of Use. 

CRED, CRED Group Entities, and its licensors, if any, are the sole owners of the underlying software and source code associated with the CRED App and CRED Platforms as well as any other intellectual property rights of any other nature associated with the CRED App, CRED Platforms and their content.

When you upload, submit, store, send or receive content that may include feedback to or through the CRED App, you give CRED and CRED Group Entities a worldwide, perpetual licence to use, host, store, reproduce, modify, create derivative works, communicate, publish, publicly perform, publicly display and distribute such content. This licence shall not expire even if it is not used by CRED or CRED Group Entities. The rights you grant in this licence are for the limited purpose of operating, promoting, and improving the CRED Services, and to develop new ones. This licence continues even if you stop using the CRED Services.

You hereby agree to comply with any and all applicable tax laws in connection with your use of the CRED Services, including without limitation, the reporting and payment of any taxes arising in connection with payments made through the CRED App, or funds/income received through the CRED Services.  You hereby agree and acknowledge that if and when required by applicable law, CRED, may deduct tax deducted at source from your winnings/ cashback and/or may require You to submit PAN details before providing you cashback or other winnings.

The CRED App, the CRED Services, all your transactions with the CRED App, and our relationship shall be governed by the laws of India, without regard to conflict of law principles. You agree that subject to the Disputes & Arbitration Clause above, all claims, differences and disputes which we may have shall be subject to the exclusive jurisdiction of the competent courts located in Bengaluru, Karnataka, India.

You shall not transfer or assign any of Your rights and obligations arising from these Terms of Use.

You agree and acknowledge that CRED may assign or transfer its rights and obligations under these Terms of Use in whole or in part, to (i) any other CRED Group Entity; (ii) an acquirer of CRED or any CRED Group Entity or their respective equity interest, business or assets; or (iii) a successor entity resulting from any corporate action including mergers or demergers.

No joint venture, partnership, employment or agency relationship exists between you, CRED, CRED Group Entities or any Third Party as a result of the contract contained in these Terms of Use. If any provision of these Terms of Use is held to be illegal, invalid or unenforceable, in whole or in part, under any law, such provision or part thereof shall to that extent be deemed not to form part of these Terms of Use but the legality, validity and enforceability of the other provisions in these Terms of Use shall not be affected. In that event, CRED shall replace the illegal, invalid or unenforceable provision or part thereof with a provision or part thereof that is legal, valid and enforceable and that has, to the greatest extent possible, a similar effect as the illegal, invalid or unenforceable provision or part thereof, given the contents and purpose of these Terms of Use. These Terms of Use (together with any additional terms displayed in specific sections of the CRED App or CRED Website) constitute the entire agreement and understanding of the parties with respect to its subject matter and replaces and supersedes all prior or contemporaneous agreements or undertakings regarding such subject matter. 

We may amend these Terms of Use at any time by posting an updated version on the CRED Website. The updated version of these Terms of Use shall supersede the previous version of the Terms of Use and take effect immediately upon posting. You have the right to opt-out of agreeing to these Terms of Use or any future updated version of the Terms of Use, by ceasing to use the CRED App. However, please be aware that your continued use of the CRED Services from the launch of any updated Terms of Use would mean deemed acceptance of such updated Terms of Use including any modification thereof. We recommend you to keep checking the Terms of Use often to be familiar with any updates and changes.

If you have any concerns, complaints or grievances about the terms or other users or their manner of use of the application infringe or violate your rights or any complaints about how we handle your personal information, please feel free to contact customer support within the CRED App, on CRED’s official social media channels, or the Grievance Officer any time at:

Section A: Supplemental Terms for Credit Card Bill Payments

The following terms and conditions (“CRED CCBP T&Cs”) are specific to the use of the Credit Card Bill Payment (CCBP) feature :

You may use the CCBP feature only for personal purposes. You are not permitted to offer it to other persons or entities on a commercial basis. You agree not to use the CCBP feature for money laundering, terrorist financing, illicit payments or any other use which is either prohibited by law or is unethical. By making a payment for a Credit Card that does not belong to You, You assume responsibility for the transactions that have taken place through that Credit Card for the cycle the payment is made by You using the Services.

You are responsible for all the information you input during your use of the CRED App including the CCBP feature. 

In particular you are responsible for ensuring the correctness of (i) details of the credit card for which payment is being made; (ii) details of the payment instrument from which the payment is being made; and (iii) the amounts of payment. In the event you input any of these details incorrectly, You will be responsible for the resultant transaction and all charges that result from the same. CRED may at its own discretion, without having any obligation to do so, assist in reversing such transactions if technically feasible and viable for CRED.

You agree that credit card details input for CCBP transactions shall be saved or tokenised to allow the usage of the same credit card for other CRED Services.

CRED shall not be responsible for any payment for an incorrect credit card account input by You. In case, money has been charged to payment instrument and not credited to Your credit card within 72 (seventy-two) working hours of your completion of the transaction then You may inform us regarding the same through the customer support section of the CRED App. We shall investigate such incidents and if it is found that money was indeed charged to your payment instrument without delivery of the payment/service then You will be refunded the money within twenty-one (21) working days (or such other timeline as mandated by applicable law) from the date of receipt of Your query on the CRED App or over email. All refunds will be credited to the payment instrument originally used or Specified Refund Account. CRED may allow You to verify a specific refund account (Specified Refund Account) to which all the refunds for failed may be credited. CRED will have the sole discretion to determine the mode of reversal from the above mentioned options, in accordance with applicable laws. However, CRED disclaims any and all liability, including for refunds, in the event of any error arising from a failure in the applicable bank, card network or any other intermediary credit card service provider’s systems or networks.