Cancel Your Cred UPI/Club Membership Subscription
Cred is a members-only app for credit card bill payments in India. The Cred Club is its premium tier, offering enhanced benefits, concierge services, and exclusive access, while Cred UPI is its payment feature.
How to Cancel Cred UPI/Club Membership Subscription
Follow the step-by-step instructions based on your device/platform.
CRED App
- 1Open the CRED app on your mobile device.
- 2Navigate to the 'Support' section within the app.
- 3Follow the options provided to request the deletion or deactivation of your complete account, which will terminate your membership.
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Leverage the Free Tier's Power (The #1 Hack)
The core value of Cred—paying your credit card bills and earning Cred Coins—is completely free. The paid 'Club' membership is an add-on. For most users, the free tier provides all the essential benefits.
Use Cred Coins for 'Flash' Sales
The best way to use the Cred Coins you earn is during their 'Flash' sales events. This is where you can get the highest value and discounts on products and vouchers.
Pre-Cancellation Safety Checklist
Cancelling the Club Does NOT Affect Your Main Account
CRITICAL: Your ability to pay bills, your Cred score, and your Cred Coin balance are all part of your main account and are 100% safe. Cancelling the paid 'Club' membership only removes the extra luxury perks.
Your UPI and Bill Pay Functions are Unaffected
VERY IMPORTANT: Cancelling the paid membership has zero impact on your ability to use Cred for UPI payments or to pay your credit card bills. These core functionalities will continue to work as normal.
You Will Lose Access to Premium Perks
After your Club membership ends, you will lose access to benefits like the travel concierge, exclusive event access, and any other perks specifically designated for Club members.
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What happens to my Cred Coins if I cancel the Club membership?
Your Cred Coins are safe. They are part of your main Cred account and are not affected by your paid membership status.
Can I still pay my credit card bills on Cred without a membership?
Yes, absolutely. Paying your credit card bills is the core free feature of the Cred app and is available to all members, regardless of their paid status.
What is the main benefit of the paid Cred Club membership?
The paid membership is a premium tier that offers luxury benefits beyond the core app, such as a travel concierge, access to exclusive events, and other special member-only perks.
Does cancelling the membership affect my credit score?
No. Cancelling the paid membership has no impact on your credit score. Your score within the app is based on your credit bureau data and bill payment history.
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