10 lakhs is max that can be offered according to RBI guidelines. This is across all p2p lending platforms.

Interesting but cred cash is not P2P right?

Product Manager

Consultant

I was offered 3L initially, then it increased automatically to 5L. Did the same happen with you too? Or were you offered 5L from the beginning itself?

Mine is 5L. I'm just trying to gauge what's the maximum they are offering to an individual.

Welcome to Indian Startups's Private Community

What's your CRED CASH limit?

What's your CRED CASH limit?- Grapevine

Welcome to Personal Finance's Private Community

WHAT ARE YOUR LIFETIME EARNINGS IN CRED

Software Engineer

Anyone using this card? I am mainly looking for 1+1 offers on movies and LTF cards only. 
Want to know if 1+1 on movies is working for the card users or is it a gimmick?

I am already holding:
HDFC Regalia first (shit card), 
HSBC premier (1+1 on bookmyshow since 7 yrs)
Citi Rewards

IDFC Wealth CC

Chartered Accountant

How much lifetime Cashback have you got from CRED? I ll start I have earned rs 4916 in last 3 years. Highest cash back recieved was rs 100

CRED Cashback

Executive Coach

All the cool marketing and UI/UX aside I find myself wondering what's up with Cred? Here are my questions, knowledgeable product folk or better yet people from Cred or who worked at Cred can you please help with the following questions (and associated complaints)

1) What's the point of the store anymore? The brands are actually far less premium than they're made out to be. Plus you don't get access to exclusive products. 
2) The reward system is just sad now, why have they changed the logic and reduced the monetary rewards so much? What were just PLG features like earning cashback for referrals is a voucher now plus the Rs. 1 cashback is just insulting at this point. 
3) I used cred cash once and I'm not going to need much more. But I'm wondering if you're catering to the top 1%, do they really need liquidity at 9% interest? 
4) Cred Mint seems like a worthwhile proposition, however the returns are only marginally better than the best FDs out there. Also if they're partnering with Liquiloans, which primarily lends to other startups, isn't that risky? How will they guarantee returns if someday Liquiloans goes under?

What's the deal with Cred

Product Marketing Manager

Has anyone ever won anything on Cred jackpot in the last year or so?
I feel they are utterly useless and only for engagement .

PS: Not talking about Rs 3/- cash back.

Cred Jackpot

who has highest CRED coins?

Analyst

Considering the ongoing devaluation of credit cards across the banks which one is the best?

Which credit card do you use?

Welcome to News Discussion's Private Community

HDFC, SBI, ICICI clearly the strongest. Startup credit companies usually work with Federal Bank, but they seem to be missing from this list, that's a bit weird? 

Can somebody from the fintech domain help me understand?

Credit card spends market share by bank. Why is there no Federal Bank here?

Operations Manager

Cred is truly a topic of surprise for me. Yes, I understand it has created a community of top spenders/credit worthy people in India. I also understand that they can use the information on such people for creating value for themselves.

Being a cred user, I only use it to pay the bills. I really wonder if they have built any b2b business or alternative source of income beyond what's seen to the end user. What's the game plan for the cred? 

I also applaud the fact that cred hasn't laid off people having paid them better than most companies. I really wonder if the business is really that strong or the conviction is. Would you join cred if given a chance to work there?

Cred

I feel cred is doomed and just trying to increase its value. 
 And the end goal is to sell the cred to someone with higher value and make money.

Welcome to Product Managers's Private Community

Curious to know how CRED Cashback works. These days I mostly get a cashback of Rs 1 regardless of bill amount. On some random transaction I got Rs 50 cashback.

CRED Cashback Algorithm

Hey everyone, Can you recommend a good credit card for great discounts on flights and maybe shopping too? I already have ICICI CC(lifetime free) but it does not provide any flight discount or launge access at airports.

best credit card for discount?

Is CRED Money worth it?

Looks like a big round. What’s their business model?

Software Developer

imagine if cred allows you to get starbucks with credcoins

Business Analyst

I just saw that CRED did 2,500 Cr. In revenue. Can anyone help me understand what is the source of this revenue? 


I know they have a decent size loan book, but I’m sure that doesn’t add up to 2500 cr. 

Can anyone breakdown their revenue?

CRED revenue?

Founder’s Office

Which bank is offering best service in corporate salary account ? 

I have HDFC currently but looking to switch to IDFC as IDFC have better transaction limit then HDFC for ATM and also online !

Comments the best Bank with some special features too !

Salary Account ¿

Account Executive

Always wondered how it happens
Have been using credit cards for some time, never found as much in rewards. What can a novice change in his cards?

Folks who say they get free flight tickets from credit cards, how do you do it?

There are certain cards which help you get free tickets(not entirely free though) 
  
 Most famous ones are Vistara cobranded cards. 
 Eg Sbi Vistara Prime Card 
  
 You get the card at annual fees of Rs3500 
 With this you get 1 Vistara Premium Economy Ticket which would easily cost 8-10K INR if you were to book by paying 
  
 Additionally you get more Premium Economy tickets each time you hit a spend milestone. 
  
 1.5lakh spends in a year - 1 more ticket 
 3lakh - another ticket 
 4.5 Lakh- another ticket 
 8 Lakh - another ticket 
  
 In addition you get 1 upgrade voucher using which you can upgrade your ticket from category X to category Y. This is via the Vistara Silver Tier Membership which is complimentary with the card. It also gives 5kg addition baggage allowance 
  
 There are more such cards in market like idfc vistara, axis vistara (business class variant as well)

What's your CRED CASH limit?

Discover More

Personal Finance on

by Blair Hyrum

HSBC

WHAT ARE YOUR LIFETIME EARNINGS IN CRED

Personal Finance on

by Karilyn Nadeen

Stealth

IDFC Wealth CC

Personal Finance on

by Kendall Everett

Stealth

CRED Cashback

Indian Startups on

by Jordon Olive

Stealth

What's the deal with Cred

Personal Finance on

by Kalan Dean

Swiggy

Cred Jackpot

Personal Finance on

by Aaron Carmden

Startup

who has highest CRED coins?

Personal Finance on

by Karilyn Denver

Stealth

Which credit card do you use?

News Discussion on

by Anise Everett

Gojek

Credit card spends market share by bank. Why is there no Federal Bank here?

Indian Startups on

by Jordon Lee

Stealth

Cred

Product Managers on

by Jordon Hyrum

Stealth

CRED Cashback Algorithm

Personal Finance on

by Blair Lee

Stealth

best credit card for discount?

Personal Finance on

by Kendall Carmden

EY

Is CRED Money worth it?

Indian Startups on

by Aaron Dean

Yubi

Looks like a big round. What’s their business model?

Misc on

by Kalan Dean

Scaler

imagine if cred allows you to get starbucks with credcoins

Indian Startups on

by Kendall Hyrum

Startup

CRED revenue?

Personal Finance on

by Kendall Lee

Amazon

Salary Account ¿

Personal Finance on

by Jordon Gabriel

Series A Startup

Folks who say they get free flight tickets from credit cards, how do you do it?

Indian Startups on

by Aaron Carmden

Stealth

Ah, this is relatable.

Personal Finance on

by Jordon Olive

uniorbit technology pvt ltd

Best use of Cred Coins