Is CRED membership worth it?

[Karthik:]

I haven't signed up for Cred membership yet as I heard that app is not so good as it used to be and it triggers unsolicited messages and emails. Is Cred membership still worth it ? What are your thoughts ?

 

[Gautham]

I haven't signed up for Cred membership yet as I heard that app is not so good as it used to be and it triggers unsolicited messages and emails. Is Cred membership still worth it ? What are your thoughts ?

From my experience, nothing like that. Cred is totally fine. I haven't seen any spam emails/Messages from Cred. If you want to create a cred account, please use my referral link. I have also Cred mint referral.

 

[vaibhav111vaibhav111 is verified member.]

been using cred more than 5 year now, it 100% spam free, app is good enough to pay cc payment and get credit instantly on most private bank cc where else public bank cc will take 3-5 days even though it does settle payment max in 3 days if it public bank cc

 

[Credit Karma]

I have heard varying arguments that Cred has lost its charm and they are not giving cashback like they used to.

So is it advisable for a new user to sign up with CRED?

Is it really worth the hype?


Are there any alternatives?

 

[repertoire]

Sign up with a referral link if they're still offering the INR 750-1K credit, and give them a dummy email address when they ask for one, so you don't have to deal with them reading everything in your inbox. Then uninstall or keep it for any rare offers as you wish. For actual CC bill payments, use HDFC.

 

[Credit Karma]

Sign up with a referral link if they're still offering the INR 750-1K credit, and give them a dummy email address when they ask for one, so you don't have to deal with them reading everything in your inbox. Then uninstall or keep it for any rare offers as you wish. For actual CC bill payments, use HDFC.

Are they that bad?

 

[ashwinkashwink is verified member.]

I have heard varying arguments that Cred has lost its charm and they are not giving cashback like they used to.

So is it advisable for a new user to sign up with CRED?

Is it really worth the hype?


Are there any alternatives?

Don't sign up directly you will not receive any any of benefits better to use someone's referral link.

 

[TheTrickySid]

I have heard varying arguments that Cred has lost its charm and they are not giving cashback like they used to.

So is it advisable for a new user to sign up with CRED?

Is it really worth the hype?


Are there any alternatives?

They are good for instant settlements in most of the cases.
If you are looking to use it for cashback then you are a the wrong place.

 

[repertoire]

Are they that bad?

Haven't used it in a while, earlier I used to get ~0.6% return from cashbacks if I structured my CC payments to be multiples of 1k. Since then, they've changed the rewards to be worse.

 

[ashwinkashwink is verified member.]

Haven't used it in a while, earlier I used to get ~0.6% return from cashbacks if I structured my CC payments to be multiples of 1k. Since then, they've changed the rewards to be worse.

Now it's very worst for the cashback sometimes not even a single rupees 🤦

 

[Credit Karma]

Are there any alternatives for CRED which are more rewarding?

 

[ashwinkashwink is verified member.]

Are there any alternatives for CRED which are more rewarding?

HDFC bill payments.

 

[Credit Karma]

HDFC bill payments.

Does one need an HDFC account to use HDFC bill payments?

On which account varient such cashback is there?

 

[ashwinkashwink is verified member.]

Does one need an HDFC account to use HDFC bill payments?

On which account varient such cashback is there?

Yeah hdfc bank account is mandatory and with Millennia DC you will get 1% unlimited Cashback from any platform and upto 400 and unlimited 1% upto 750 with Platinum debit card (NOT from other sites).

 

[Credit Karma]

Yeah hdfc bank account is mandatory and with Millennia DC you will get 1% unlimited Cashback from any platform and upto 400 and unlimited 1% upto 750 with Platinum debit card (NOT from other sites).

On which account varient do they offer millennia Debit Card?

 

[ashwinkashwink is verified member.]

On which account varient do they offer millennia Debit Card?

Any of account except Bsdba accounts.

 

[Credit Karma]

Any of account except Bsdba accounts.

I will definately consider this option then. Thanks bro.

 

[sdogg525]

HDFC bill payments.

Will the cashbacks be applicable for payment of hdfc credit cards as well?

 

[repertoire]

Will the cashbacks be applicable for payment of hdfc credit cards as well?

Nope.

 

[Hahahahahahah]

been using cred more than 5 year now, it 100% spam free, app is good enough to pay cc payment and get credit instantly on most private bank cc where else public bank cc will take 3-5 days even though it does settle payment max in 3 days if it public bank cc

It was launched in 2018, how come you are using from 5 years ???