Invite Friends and Family to CRED and be rewarded with 10 gems

I am looking for a CRED referral sign up link that offers 10 gems. Where should I go ?

Please visit: Link for CRED sign up (With 10 gems as referral benefit)


What is the CRED referral program?

CRED's referral program lets you invite friends to join CRED and get rewarded for it!

Once your friend has registered successfully and has made their first payment on CRED, you and your friend receive 10 gems redeemable on the app for rewards like Gift voucher from your favourite brands (including Flipkart, Amazon, Uber among so many other choices). Now CRED is also providing option to convert gems to 2% of First credit card payment amount.


How can I refer CRED to my friends?

You just need to do the following to participate:

  • Click 'control' located at the top-right corner on your home page
  • Click on the button labelled 'Refer now & earn gems' to start referring your friends to CRED
  • You could use our smart contact book option to see which one of your friends is not on CRED or refer via WhatsApp
  • Your friends need to successfully register on CRED and make their first payment towards their credit card bills
  • Gems will be credited to your account immediately after your friends' payments are successful


What are the benefits?

If your friends get accepted as a CRED member, and completes their first payment towards their credit card on CRED, you receive 10 gems which can be redeemed for rewards.

Additionally, your friend will also receive 10 gems, once their first credit payment is successfully completed.


What if I already have a CRED referral link from before May21st?

You may be invited to participate in new referral campaigns from time to time from CRED. As of now, any referral link that you have (received before or after May 21st) will work the same way - the referral benefits will be added to your account once the referee has been registered and made their first payment on CRED.


Is there a limit on the number of invites I can send ?

No, you can invite as many friends as you want. However, you can only earn a maximum of 750 gems.


Who is eligible to refer?

Any transacting CRED member can share their referral link with their friends. However, to ensure that users don't get spammed, please ensure that you only send invites to people you are acquainted with.


Who is eligible to be referred?

Any active credit card holder can be referred to CRED. A referral is considered valid only if:

  1. your friend has been accepted successfully on CRED
  2. After they have made their first payment towards their credit card on CRED.

Do note that CRED does preliminary checks through credit bureaus to determine eligibility before onboarding.


How long is the referral link valid for?

Your referral links are valid for a period of 48 hours. As long as a non-member joins CRED through your link within this time and successfully completes their first payment, both you and your friend will receive 10 gems.


Why did I not get gems for a referral that was accepted?

If you are not notified about winning your gems after sharing the link, it's likely that one or more of the following conditions weren't met:

  • The person who clicked the link was already a CRED member.
  • The person was not found eligible as per CRED's eligibility.
  • The user clicked on your link and didn't create an account.
  • The user-created an account but did not complete their first payment on CRED.

To ensure the account security of our members, we cannot disclose or confirm any account information or order history from another member's account.


How can I check on the status of my referred friends?

To check the status of your referred friends, follow the steps below:

  • On your home screen, click on the icon in the top-right corner of your screen labelled 'control'
  • On this screen, you will see a button labelled 'gem rewards' or displaying your current gem balance.
  • Clicking on this section will lead you to a ledger which will help you track your referrals and also help you track the gems you earn and spend.

CRED Referral Campaign to earn upto 1,50,000 Amazon Gift Card:


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