If your credit score is 750 or higher, you are granted access to the app, else you join a waitlist. The app scans any credit cards linked to your phone number and adds them to the app.  Cred uses this access to scan credit card statements for hidden charges. Every time you make a payment to your credit card, you earn Cred Coins – each coin is equal to Rs 1. These coins can then be used to claim rewards from vendors like Ixigo and FreshMenu, among others. 

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Earn the cred gems by inviting people to cred 
They have 3 rewards for this currently
 

1. 10 Gems – Uber 150 gift card
2. 20 Gems – Cleartrip 1000 cash back
3. 30 Gems – Amazon 750 Voucher

cred Makes credit card bill payments easier, rewards for timely transaction .The app aims to make paying credit card bills simpler and reward you for paying them on time. The app asks for your phone number to check your credit score with Cibil, CRIF and Experian