Cred is an Indian fintech company, based in Bangalore, which was founded in 2018 by Kunal Shah. CRED's main feature is allowing users to make credit card payments through its app for which they get rewarded. Later, CRED added features to allow users to make house rent payments and introduced short-term credit lines. CRED's business model and valuation has received criticism for being overvalued and lacking a solid monetization plan.