CRED referral code: Earn up to INR 1000 with Refer and Earn!

Last Updated on October 16, 2025 by Lubhanshi Lamba

CRED is a mobile app that allows users to send money, pay credit card bills and earn rewards. This members-only club offers bill payment, a UPI feature, credit score tracking, and rewards. It has its own “CRED Coins” that can be redeemed for bill discounts. Users can earn extra deals and rewards by using the CRED referral code, which allows them to receive up to Rs. 1000 in cashback. Users can also access credit management through its reminders and payment tracking features. 

CRED allows members to manage multiple cards and analyse their credit scores for a premium experience. Members with a high Experian or CRIF score can avail of exclusive offers for payment through the app. It boasts a user-friendly interface and rewards-driven model for efficient fund management. 

What is a Cred Referral Code?

A CRED referral code is a unique combination of numbers and words. This identifier is used during sign-up to make exclusive rewards and bonuses. Users can also refer this code to other applicants and earn cashback of upto Rs. 1000 in “Power Play”. A valid CRED referral code enables new users and referrers to receive benefits such as cashback, gift vouchers, or CRED coins.

CRED App Features 

Here are some exciting features that the CRED app offers to its members. 

• CRED Coins: This is a reward system for earning coins by paying credit card bills through the CRED app. These coins can be redeemed for cashback and discounts. 
• Lucky Draw: CRED offers a Lucky Draw opportunity to users for every successful credit card payment. 
• Exclusive Rewards: Upon successful sign-up, both referrers and referees earn rewards, including CRED coins, cashback, or gift vouchers. 
• Sign-Up Bonuses: New users who sign up with CRED referral code get an instant bonus of Rs. 250 cashback after their first credit card payment.
• Referral Link: This provides existing users with a unique referral link or code. This link/code can earn a cashback bonus on the first successful credit payment through the link. 

Terms and Conditions Of CRED Referral Program 

• The user needs to download the app and sign up using the given referral link.
• The new user usually has 30 days to sign up using the referral link and make a bill payment to avail the cashback of Rs. 250 
• The new user needs to make a credit card payment of a minimum of Rs. 1000 and a utility bill payment of Rs. 100. 
• The referrer must have an active credit card on CRED to receive cash back for a successful referral. 
• The CRED app reserves the right to modify these policies at any time. 

CRED Refer and Earn Program

CRED’s Refer & Earn program rewards you when a  new user signs up using your referral link and makes a qualifying bill payment. You both benefit once they pay a credit card bill within 30 days.

Here is some additional information to know about its program 

CRED Product and Services 

Here’s a concise overview of CRED’s products and services:

1. Credit Card Bill Payments: You can earn cashback by paying credit card bills via the CRED app
2. CRED Cash: It offers an instant credit line with flexible repayment options and low interest rates.
3. CRED RentPay: This app enables you to pay rent and household expenses and provides reminders for timely payments.  
4. CRED techPay: A payment aggregator for various payment methods. 
5. CRED Mint: A peer-to-peer investment platform offers interest of up to 9% by lending money to others. 
6. CreditEscapes: It provides recommendations for premium luxury accommodations for stays. 
7. CREDStore: It features 2,000+ partnered brands that offer their products to CRED members at the best prices. 

Benefits of the CRED Referral Program 

The CRED app features numerous advanced technologies that distinguish it from other credit card payment apps. Here are some key benefits of using the CRED app. 

• Credit Card Bill Payments: You can pay bills and earn rewards or cashback on every transaction.
• Free Credit Score Check: You can easily analyse your credit score with insights to improve it.
• Tap to Pay – Seamlessly make contactless payments using your phone and enjoy discounts.
• Secure Transactions – All payments made through the CRED app and data are encrypted for safety.
•  CRED Cash – You can get instant personal loans at a competitive rate through the CRED app. 
• Expense Tracking: It also allows you to manage multiple credit cards simultaneously and spend your money wisely. 

Affiliate Commission Vs CRED Referral Earnings

You can also join the affiliate program to become an affiliate partner and earn a commission for each new sign-up made through your affiliate link.

How to Signup on CRED with Referral code

Follow these necessary steps to sign up for CRED:

1. Copy the CRED referral codeto activate the referral link.
2. Download the CRED app on your smartphone or open it in a browser. 
3. Begin the CRED sign-up process by filling in your mobile number in the designated field. 
4. Join through free CRED referral link
5. Finish up the registration process and complete your first credit payment of a minimum of Rs. 1000. You can also pay a utility bill of Rs. 100 to avail the sign-up bonus. 
6. Rs. 250 CRED cashback will be credited to your account after the payment is made.
7. Refer the CRED app through your unique link and earn up to Rs. 1000 cashback per referral. 

How to Refer the CRED App and Earn Rewards as an Existing User

Follow these required steps to refer the CRED app through a unique link and earn rewards. 

1. Open the CRED app on your mobile and log in.
2. Tap on your profile icon and go to the “Refer & Earn” or “Invite Friends” section. 
3. Copy your referral link and share it with your friends or family.
4. Ask them to sign up using your link and verify their credit score to complete the signup.
5. You can get rewards of up to Rs. 100, and your friend can get Rs. 250 after their first credit card payment. 

How to Get Rs. 250 Signup Cash With CRED Referral Code 2025?

Follow these simple steps to get sign-up cash into your Cred account.

• Use a valid CRED referral link from a friend or Monetizedeal
• Sign up using your phone number and verify. 
• Add your credit card details to the Cred app and make a credit card payment of at least Rs. 1000
• You can receive a Rs. 250 signup bonus after successful payment. 
• Bonus may be credited to your CRED account or linked bank account.

CRED PowerPlay Refererral Program

​The CRED Powerplay Referral Program is a promotional initiative by the CRED app. This is designed to allow users to invite friends and family to join the platform during the IPL season. This referral program offers financial rewards to referrers and their invitees. The CRED PowerPlay referral program features a 4-level reward structure. Check it out below:

• Level 1: Earn up to Rs. 200  cashback per referral
• Level 2: Earn up to Rs. 250 cashback per referral
• Level 3: Earn up to Rs. 350  cashback per referral
• Level 4: Earn up to Rs. 500  cashback per referral

Faqs

1. What is the CRED app used for?

This app is for making credit card payments and other bill payments. You can also receive or pay money via the UPI feature. It also allows you to manage your credit and earn rewards for making timely payments. 

2. Is CRED a safe app choice?

Yes, this app is hosted on a virtual private cloud on Amazon Web Services, providing scalable technology. This platform ensures a secure service with reliability. 

3. Does CRED charge any fee?

Cred App may charge fees for certain transactions and services. You will be notified of any applicable charges before completing a transaction on the app. 

4. Will CRED refund money?

Yes, the app is just like other credit card payment apps. You will receive a refund for any transactions that are incorrect or disputed. These refunds are processed through your bank account. 

5. What is the daily limit of CRED transactions?

The daily limit of CRED’s e-rupee wallet is set at Rs. 50,000. You can make a transfer of up to Rs. 10,000 per transaction. The entire credit card bill can be paid in one go, but a debit card is capped at Rs. 2,000. 

Lubhanshi Lamba

Lubhanshi Lamba is a passionate and detail-oriented Content Writer Executive, skilled at creating engaging, well-researched, and SEO-friendly content across diverse niches. With a keen eye for storytelling and clarity, she combines creativity with strategy to deliver impactful write-ups that connect with audiences and drive results.