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What is CRED Refer and Earn?

CRED Refer and Earn is a referral program that rewards CRED users for inviting new users to join the CRED app and make an eligible bill payment. Rewards are credited after the referred user completes the required action. The program operates through unique referral links shared by existing users.

How does the referral process work in CRED Refer and Earn?

The CRED referral process works by sharing a unique referral link with a new user who installs and signs up on CRED. The referred user must complete an eligible bill payment within the defined time window. Cashback rewards are credited after successful verification.

Who can participate in the CRED Refer and Earn program?

Any registered CRED user with an active account and an added credit card can participate in the CRED Refer and Earn program. Participation depends on account status and compliance with CRED policies. Accounts under restriction may not be eligible.

Who is eligible to be referred on CRED?

Only new users who have never created a CRED account are eligible to be referred on CRED. The referred user must sign up using the referral link. Existing or previously registered users are not counted as valid referrals.

What actions are required for a successful referral on CRED?

A successful CRED referral requires the referred user to install the app, complete signup using the referral link, and make an eligible payment. Eligible payments include credit card bill payments or utility bill payments meeting minimum value rules.

What is the minimum payment required for referral rewards on CRED?

The minimum payment required for referral rewards on CRED is ₹1000 for credit card bills or ₹100 for utility bills. Payments below the specified threshold do not qualify for referral cashback. The transaction must be completed successfully.

How much cashback can users earn through CRED Refer and Earn?

CRED Refer and Earn offers assured cashback amounts that vary by referral level. Users can earn ₹200 at Level 1, ₹250 at Level 2, ₹350 at Level 3, and up to ₹500 per referral at Level 4. Reward values are subject to program rules.

What are referral levels in CRED Refer and Earn?

Referral levels in CRED Refer and Earn define cashback amounts based on completed referrals. Level 1 starts with one referral, and higher levels unlock after completing required referral counts. Each level offers higher assured cashback per successful referral.

How can users unlock higher referral levels on CRED?

Higher referral levels on CRED unlock after completing a fixed number of successful referrals. Level unlocking requires referrals to meet eligibility criteria and payment conditions. Partial or failed referrals do not count toward level progression.

Is there a limit on the number of referrals on CRED?

CRED may impose limits on the number of referrals or rewards per user during a specific period. Referral limits depend on active campaigns and internal policies. Limits can change without prior notice.

How are referral rewards calculated on CRED?

Referral rewards on CRED are calculated based on the user’s current referral level and successful completion of referral conditions. Cashback amounts are fixed per level. Incomplete or invalid actions result in zero rewards.

When is referral cashback credited on CRED?

Referral cashback on CRED is credited after the referred user completes verification and eligible payment. Cashback crediting may take a few days. Delays can occur due to transaction review or payment failures.

Where is referral cashback shown in the CRED app?

Referral cashback is shown in the earnings or cashback section of the CRED app. Users can track completed referrals and credited rewards. Pending referrals may appear until verification is completed.

What happens if a referral does not track on CRED?

A referral does not track on CRED if the signup or payment is not completed through the referral link. Manual addition of referrals is not supported. Users must ensure correct link usage during signup.

Can users refer themselves on CRED?

Self-referrals are not allowed on CRED Refer and Earn. Referring the same mobile number or using personal devices for signup violates program rules. Such referrals are marked invalid.

Why was a CRED referral marked as failed?

A CRED referral can fail due to incomplete signup, invalid payment amount, expired referral window, or policy violations. Failed referrals do not count toward rewards or level upgrades.

Is KYC required to receive referral rewards on CRED?

An active and verified credit card is required on CRED to receive referral cashback. KYC-related verification may be required based on regulatory policies. Accounts without required verification may not receive rewards.

How long does a referred user have to complete the payment?

A referred user has up to 30 days to join CRED and complete an eligible bill payment. Payments made after the validity window do not qualify for referral rewards. The time window starts from link activation.

Do referral rewards expire on CRED?

Referral cashback on CRED may have an expiry period based on cashback terms. Expired cashback cannot be redeemed. Users should check reward validity in the app.

How can users withdraw or use referral cashback on CRED?

Referral cashback on CRED is usually credited as in-app cashback or coins. Usage depends on current redemption rules. Cashback may be applicable toward bill payments or partner offers.

Can CRED change referral rules or rewards?

CRED reserves the right to modify referral rules, reward values, and eligibility criteria at any time. Changes may apply immediately. Continued participation indicates acceptance of updated rules.

What happens if an account is suspended during referrals?

Referral rewards are withheld if a CRED account is suspended or restricted. Suspended accounts may lose pending or credited rewards. Reinstatement depends on policy review.

Is the CRED Refer and Earn program available in all regions?

CRED Refer and Earn availability depends on regional eligibility and supported services. Some regions or users may not see referral offers. Availability can vary by location and account status.

How can users contact support for referral issues on CRED?

Users can contact CRED support through the in-app help section for referral-related issues. Support reviews referral activity based on system records. Resolution depends on eligibility and policy compliance.