How many users does CRED have?

Estimated audience: ~125.0M lifetime downloads, ~23.0M monthly active users, and ~9.2M daily active users. Derived from ratings count × category installs-per-rating × age decay. US-storefront-equivalent — global audience can be 5-10× larger for internationally-distributed apps.

What apps are like CRED?

Browse the full Finance category catalog to find similar apps with revenue, build cost, audience and tech stack data. Each /p/{slug} page also shows a Compare side-by-side widget with three peer apps from the same niche.

What is CRED built with?

Our heuristic places CRED on the Native Android (Kotlin) stack (High confidence, 80%). Signals: app bundle size, category context, store-description markers, release-date era. We don't disassemble binaries. Alternative possibilities: Flutter.

Is CRED still actively maintained?

Maintenance status: Active (15% abandonment risk). Last shipped version was 1 months ago. The risk score combines time-since-last-update with Editor's Choice / curated featuring + user-base maturity adjustments.

When was CRED last updated?

CRED last shipped a new version on 2026-08-26 — 1 months ago. This is the date Apple / Google last accepted a new build, not a content-only push.

CRED is published by Dreamplug Technologies Private Limited on the Google Play Store. See the full publisher portfolio (other apps by the same developer) via the More by developer block on the product page above.

What is CRED's BU Score?

CRED has a BU Score of 85/100 (Excellent). The score combines App Store rating, ratings count, monetization model and revenue signals calibrated against founder-verified MRR anchors. See the BU Score formula.

CRED: Credit Cards, Bills, UPI

Quality Score

Excellent

CRED: Credit Cards, Bills, UPI

Name: CRED: Credit Cards, Bills, UPI — app revenue, audience, build cost & risk profile
Creator: Bumetric
License: https://creativecommons.org/licenses/by/4.0/
Keywords: CRED: Credit Cards, Bills, UPI revenue, CRED: Credit Cards, Bills, UPI app analytics, mobile app revenue estimate, Finance revenue, Android app revenue

by Dreamplug Technologies Private Limited

High confidence

4.7 Google Play rating

✍️ Bumetric analysis

“

This app targets affluent Indian consumers, specifically those with credit cards, by consolidating bill payments and offering rewards for financial responsibility. It directly competes with established UPI payment platforms like PhonePe and Google Pay, as well as individual bank apps, by aiming for a premium, exclusive user experience. The substantial user rating and high volume of reviews indicate significant market penetration and strong user satisfaction, suggesting the app is well past its initial growth phase and has achieved considerable traction within its niche. For a free app in the finance category, the primary monetization strategy often revolves around high-value transaction fees, cross-selling financial products like loans or insurance, and premium subscription tiers offering enhanced rewards or exclusive features. The challenge is converting a free user base into revenue without alienating their core, financially savvy audience.

BU Score 85 · Excellent — strong product-market fit. The full Investment Matrix below scores 8 dimensions including monetisation, growth, and operational risk.

Track snapshot history and revenue forecast in the Performance section below.

💰 Forecast monthly revenue

—/mo

Founder-confirmed monthly revenue

BIG tier

💡 Grow this revenue

Free AI audit of this app’s store listing

Title & subtitle keyword fit
Description hook & conversion structure
Screenshots, ratings, reviews strategy

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Typical impact: +2-5× organic installs

📊 Performance Tracking LIVE

5 snapshots on record

idle

Rating

4.7

Reviews

2,987,659 reviews

Forecast Revenue / mo

—

Snapshots tracked

since May 2026

📊

BU Investment Matrix

Concerning · 44/100BIG TIERbelow benchmarks

Growth Velocity

5.0

Founder Strength

4.6

Product Quality

9.5

Revenue Strength

0.0

Monetization Maturity

1.0

Defensibility

5.4

Market Position

0.0

Operational Safety

10.0

💰 Revenue: Pre-revenue or unknown — $0 - $0/mo · BIG tier · high confidence, trajectory unclear.
⭐ Quality: 4.74★ across 2,987,659 reviews — exceptional (top 1% in category).
📍 Market: Not yet charting in any of the 9 monitored markets.
📈 Growth: Insufficient signal to assess trajectory.
⚠️ Risk: Low — no material risk signals detected.

🎯 For competitors: Mixed picture. Worth competing if you have a clear UX or pricing edge — otherwise crowded segment.

💵 For acquirers: No verified revenue — acquisition only makes sense for tech / userbase / brand.

Composite of 8 dimensions computed deterministically from public signals — no LLM, every score traces back to a measurable input. Default weights shown; "compete" / "acquire" / "invest" lenses re-weight without re-fetching.

Range:

💰 Forecast Revenue / mo

MODEL

Revenue forecast computed from BU's 234 trigger model on each snapshot. Calibrated against ground-truth from 58 verified-revenue apps.

🔬Forecast Breakdown — Why This Estimate?Top 10 of 10 triggers

Our ML model uses 200+ signals from public data. These are the most influential for this app:

High install base (2,987,659 ratings)METRIC		+$12,000
premiumREVIEW		+$2,200
Excellent rating (4.7★)METRIC		+$2,200
5 starREVIEW		+$1,800
securityREVIEW		+$1,800
highly recommendREVIEW		+$1,400
slowREVIEW		−$1,200
support teamREVIEW		+$900
Established app (7y old)METRIC		+$800
Ad-supported / freemiumMETRIC		+$600

METRIC = structural app data · REVIEW = mined from user reviews · ✓ VERIFIED = Stripe-verified anchor (TrustMRR)

📥 Estimated Downloads / week

PROXY · ratings × 50/wk —

Industry-rule estimate (Sensor Tower / data.ai): one weekly install ≈ 50 new ratings. Solid points = tracked snapshots · faded line = pre-tracking model backfill.

📈 Reviews Growth

LIVE

Cumulative review count from first BU snapshot. Each point = a tracked update.

⭐ Rating Trend

LIVE

Average rating evolution. Updates with each new review batch.

🗓️ Snapshot Timeline

HISTORY

Each bar shows a tracked update and the metric delta from the previous snapshot.

Profile & Insights

Everything we know — and don't — about this app and its company.

Identification

App name: CRED: Credit Cards, Bills, UPI
Developer: Dreamplug Technologies Private Limited
Bundle ID: com.dreamplug.androidapp
App Store URL: Open in App Store
Category: Finance
Content rating: Not found
Languages: Not found

Company

Website: www.cred.club
Tagline: Not found
Description: Not found
Founded: Not found
HQ / Address: Not found
Employees: Not found
Logo: Not found

Revenue

Reported revenue signal / mo: Not found
AI revenue estimate / mo: Not found
AI annual estimate: Not found
Model estimate / mo: $568/mo
Top-grossing rank: Not found
All-time revenue: Not found
Pricing: Not found

Founder

Founder data not yet collected for this app.

Funding

Funding data not yet collected for this app.

Press & Links

Press & Links data not yet collected for this app.

Contacts & Socials

Contacts & Socials data not yet collected for this app.

Profile is built from iTunes Lookup + developer site scrape + ML revenue model. Empty fields show "Not found" — additional sources (Crunchbase, X, IndieHackers, Acquire.com) coming.

📝 About this app

CRED is a members-only app for all payment experiences.

Trusted by over 1.4Cr+ creditworthy members, CRED rewards you for the good financial decisions you make.

What payments can you make on CRED?

→ Credit card bills: Check & manage credit cards without multiple credit card apps.

→  Online payments: Pay via UPI or credit card on Swiggy, Myntra & more.

→  Offline payments: Scan QR codes or Tap to Pay for contactless payments.

→  Pay anyone: Send money to anyone through CRED, even if they use BHIM UPI, PhonePe, GPay or any other UPI app.… View full description on the official store →

App Specs

🔐 Own this app? Claim & verify MRR →

🔖 vVaries with device🔄 updated 1mo ago📂 Finance💰 Free🚀 Launched 2019 (7y old)

📅

What Worked™ · Development Pipeline

5 EVENTS TRACKED

Detected changes in this app over its tracked lifetime — each event links cause (what changed) to effect (what moved). Sorted newest first.See full history →Version history →

2026-08

🔧

Shipped update — vVaries with device → vVaries with device

→ 30 days after: reviews +6,131 high confidence

2026-08

🔧

Shipped update — vVaries with device → vVaries with device

→ 30 days after: reviews +12,444 high confidence

2026-07

🔧

Shipped update — vVaries with device → vVaries with device

→ 30 days after: reviews +15,989 high confidence

2026-05

🔧

Shipped update — vVaries with device → vVaries with device

→ 30 days after: reviews +29,019 high confidence

2026-05

🚀

First tracked snapshot — initial data captured

→ 30 days after: reviews +19,343 high confidence

🔔

Track this app’s revenue

FREE

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ONE-TIME · BUILD 💰 Estimated build cost

$170K

↳ What it cost to build · not monthly revenue

Likely range $130K – $230K

$25K · MVP floor $100K · indie scale $500K+ · studio build

Synthetic estimate. Inputs: category complexity, file size, screen count, monetization layer, platform reach, age × team-size proxy. Calibrated against 2024-2026 indie-agency rate surveys. Full math + source list on /methodology.

Where the money goes

🧱 MVP baseline (design + 1-store ship)	+$28K
📱 5 unique screens × $4.5K	+$22K
⚙ Finance complexity ×1.60	+$30K
🌐 Cross-platform reach (iOS + Android)	+$44K
⚙ 7.7y maintenance × ~1-person team	+$45K

Total estimate $170K

👥 Estimated audience size

125.0M

Lifetime downloads (US-equivalent)

Monthly active

23.0M

Daily active

9.2M

Synthetic estimate from ratings × category benchmarks. Calibrated against 2024-2026 mobile-attribution retention + DAU/MAU reports. Numbers are US-storefront-equivalent — true global audience can be 5-10× larger for international apps. Full math + source list on /methodology.

How we sized it

📲 Finance engagement	~60 installs / rating
📅 7.7y of rating accumulation	-30%
🔁 Finance D30 retention	28%
📍 DAU / MAU stickiness	0.40

DAU / MAU 40% sticky

🛠 Estimated tech stack

🤖

Native Android (Kotlin)

High confidence · 80%

Also possible

Flutter

Heuristic guess from app bundle size, category, store description signals, and release-date stack era. Bumetric does not disassemble binaries — for binary-level certainty you would need an SDK intelligence tool or the manifest itself. Reasoning chain on the right. Full ruleset on /methodology.

Signals we read

🏷 Category context	Finance
📦 Compact Android bundle	→ Native Kotlin

💀 Maintenance status

Active

15%

Last shipped 2026-08-26 · 32 days ago

0 · Active 50 · At risk 100 · Abandoned

Heuristic risk score from time-since-last-update + ratings velocity proxy + Editor's Choice / curated featuring signals. Calibrated against 2024-2025 app-store ranking decay reports. Not a guarantee — a quiet app with a healthy codebase looks the same as an abandoned one until something breaks. Full math on /methodology.

Risk signals

📅 32 days since last update

Healthy release cadence

Verdict Active

📝 Description

BU Score · Transcendent

Full revenue analysis

Read the article-style breakdown for CRED: Credit Cards, Bills, UPI: category rank, percentile, growth signal, comparable apps, and how the forecast is calibrated against verified-MRR anchors in this niche.

Read deep-dive →