Cred

Founded in 2018 by Kunal Shah, Cred is an Indian fintech company based in Bengaluru. The company's primary service is a mobile application that allows users to pay their credit card bills, catering exclusively to individuals with high credit scores. Cred's mission is to celebrate and reward creditworthy individuals. In exchange for timely bill payments, users earn "Cred Coins," which can be redeemed for rewards, discounts on various brands, and access to curated products and experiences through its in-app marketplace. Over time, Cred has expanded its offerings to include rent payments (Cred RentPay), personal loans (Cred Cash), and a P2P lending feature (Cred Mint).