How to Sell on CRED? A Beginner’s Guide to Become a CRED Seller in 2026
With the rapid growth of fintech and reward-based platforms, CRED has emerged as a premium ecosystem connecting high-credit-score users with trusted brands. Unlike typical payment apps such as PhonePe or Paytm, CRED focuses on curated experiences, exclusive offers, and brand partnerships tailored to a financially credible audience.
As interest in selling on CRED continues to grow, many businesses want to understand how the CRED seller model works. In this guide, we explain what it means to become a CRED seller, How to Sell on CRED. how the onboarding process works, and the key challenges and considerations businesses should know before partnering with CRED in 2026.
What Is CRED?
CRED is a members-only fintech platform that connects premium users with trusted brands through rewards and curated offers.
CRED is a premium fintech and rewards platform founded by Kunal Shah, also known for founding Freecharge. Based in Bengaluru, CRED connects financially responsible users with trusted brands by offering rewards and exclusive experiences for timely credit card bill payments.
The platform allows users to link their credit cards, track payments, and earn CRED coins for responsible financial behavior. These coins can be redeemed for curated offers, discounts, and experiences from partner brands available on the CRED platform.
CRED follows a members-only model and is accessible primarily to users with a credit score of 750 or above. This selective onboarding helps CRED maintain a high-quality, creditworthy user base, making the platform attractive for brands and businesses looking to reach premium customers.
For sellers, CRED functions as a curated brand discovery and engagement platform, offering access to a financially credible and high-intent audience through partnerships rather than open marketplace listings.
WareIQ, an eCommerce fulfillment company, empowers online brands with a superior-tech platform to compete with Amazon like service levels by bringing their average delivery timelines from 5-10 days to 1-2 days.
Why Should You Sell on CRED?
You must establish a product listing in order to sell goods on CRED. This will contain the name of the product, a description, a price, and pictures. A payment method needs to be established as well. PayPal and Stripe are the payment methods accepted by CRED. You can start selling your product as soon as you’ve established a payment option. When someone purchases your product, they will be charged right away and you will get the money within a day. Through the CRED seller dashboard, you can keep tabs on your purchases and payments.
The majority of providers permit their credit-worthy clients to postpone paying for their purchases. Buyers can keep, prepare and sell their purchases before having to pay the whole amount owed thanks to deferred payment arrangements. Without them, the majority of businesses would be forced to rely on costly, ongoing lines of credit. Giving clients service in order to persuade additional people to make a purchase is the essence of becoming a CRED seller. Credit is nearly always expected in some businesses, particularly capital-intensive ones.
Businesses only use credit when the rise in sales makes it worthwhile to incur the related bookkeeping, bad debt, and carrying costs. For instance, credit sales make up the majority of Airbus’ sales. On the other hand, cash is used in practically all of Burger King’s transactions.
How to Sell on CRED and Become a CRED Seller (2026 Guide)
Unlike open marketplaces, CRED does not allow direct or app-based seller registration. Selling on CRED follows a curated, invite-only partnership model, designed to maintain a premium experience for its members.
To become a CRED seller, brands and businesses must go through a direct onboarding process managed by CRED’s partnerships team.
CRED Seller Onboarding Process
Here are the actual steps involved in becoming a CRED seller:
- Prepare Your Brand Pitch
Create a clear proposal describing your company, product or service, value proposition, and target audience. Include links to your official website, social media profiles, product catalog, or demo videos. - Reach Out Through Official Channels
Interested sellers must contact CRED via its official business or partnership channels, or wait to be approached by CRED’s partnerships team. - Brand & Business Evaluation
CRED reviews your brand credibility, customer experience, pricing, compliance, and relevance to its high-credit-score user base. - Commercial & Campaign Discussions
Once approved, sellers discuss partnership terms, campaign formats, offer structures, and platform integration requirements. - Launch on the CRED Platform
Approved sellers can list offers, rewards, or services for CRED members through curated campaigns.
Important Clarification (Must Read)
Downloading the CRED app, having a credit score above 750, verifying credit cards, or paying bills does not create a CRED seller account. These steps are required only to become a CRED user, not a seller.
What to Do If Your Seller Request Is Not Approved
- Re-evaluate your brand positioning and value proposition
- Strengthen your online presence and customer trust signals
- Ensure legal and business compliance
- Reapply after improving brand visibility or traction
- Reach out to CRED support or partnerships team for feedback, if available
Pro Tip for 2026
CRED prioritizes quality over quantity. Businesses offering premium products, strong customer experience, and trusted branding have higher chances of approval.
Products and Services Offered by CRED Sellers
What do CRED sellers offer?
CRED sellers offer curated products, services, and exclusive deals across finance, lifestyle, travel, and digital subscriptions.
CRED sellers primarily offer curated products, services, and exclusive deals tailored to CRED’s premium member base. These offerings focus on lifestyle, finance, travel, and digital services, ensuring high value and relevance for users with strong credit profiles.
Common Categories of Products Offered by CRED Sellers
Financial & Payment Services
Selected partners offer financial products such as bill payments, subscription plans, insurance, and credit-related services through CRED’s ecosystem.
Lifestyle & Consumer Brands
CRED sellers include premium D2C and consumer brands offering electronics, fashion, wellness, and personal care products with exclusive discounts or reward-based pricing.
Travel & Experiences
Many sellers provide travel bookings, hotel stays, experiences, and event access that can be redeemed using CRED coins or special offers.
Digital Subscriptions & Memberships
Streaming platforms, productivity tools, and digital services partner with CRED to offer discounted subscriptions and member-only benefits.
Brand Discovery via CRED Discover
Through CRED’s “Discover” platform, approved sellers showcase their products and services to targeted users, allowing members to redeem CRED coins for deals and offers.
Key Advantage for Sellers
By selling on CRED, businesses gain access to a high-intent, financially credible user base, along with strong brand visibility through curated campaigns and premium placements.
Scale Your CRED Business Efficiently with WareIQ
Selling on CRED gives you access to a premium, creditworthy audience, but fast and reliable delivery is crucial to keep your customers satisfied. WareIQ, a Y‑Combinator‑backed fulfilment platform, empowers CRED sellers to streamline operations and optimise order fulfilment across India.
Why CRED Sellers Should Choose WareIQ:
- Pan-India Fulfilment Network: Reach over 27,000 pin codes through WareIQ’s Seller Flex and FAssured-compliant centres in 12+ cities, ensuring fast delivery for your CRED customers.
- Multi-Channel Integration: Manage inventory across platforms like CRED, Amazon, Flipkart, Shopify, and more from a single dashboard.
- AI-Powered Inventory Management: Minimise stockouts and automate replenishment with InventoryLogIQ, keeping popular products in stock for high-intent buyers.
- Streamlined Returns: Capture detailed evidence of returned products to reduce marketplace claim rejections and maintain customer trust.
- Dedicated Seller Support: Get help with account management, compliance, and logistics, so you can focus on growing your brand on CRED.
By partnering with WareIQ, CRED sellers can deliver faster, manage operations efficiently, and enhance customer experience, turning every order into a loyal customer opportunity.
Conclusion: Is Becoming a CRED Seller Right for Your Business?
Becoming a CRED seller can be a strong growth opportunity for brands that cater to a premium, creditworthy audience. With its curated, invite-only model, CRED enables businesses to showcase their products and services to high-intent users who value quality, exclusivity, and trusted brands.
However, selling on CRED is best suited for businesses with a solid brand presence, reliable customer experience, and the ability to offer meaningful value through exclusive deals or rewards. If your business aligns with CRED’s premium positioning and partnership-driven ecosystem, becoming a CRED seller in 2026 can help you boost brand visibility, customer acquisition, and long-term credibility.
Sell on CRED: FAQs
How can I complete the CRED seller registration process?
To complete your CRED seller registration, download the CRED app, apply for membership, and verify your phone number. Ensure your business meets CRED’s eligibility criteria, provide product details, and submit any required documents to set up your seller account successfully.
Should I sell on CRED?
Yes, selling on CRED can be beneficial for Indian, urban D2C businesses. CRED partners with brands to provide insights that help grow their business. In return, CRED users can redeem CRED coins for exclusive products, curated deals, best price guarantees, and rewards, giving sellers access to a premium, high-intent audience.
How are CRED apps monetized?
CRED monetizes by filtering users based on creditworthiness, reflected in their credit scores. Users who make timely payments earn CRED coins, which can be redeemed for offers and rewards, while brands pay to reach this premium, financially responsible audience.
Is CRED an online store?
Yes, in 2020, CRED launched the CRED Store, a curated e-commerce platform exclusive to CRED members. It started with over 5,000 products and now features more than 600 Indian D2C and international brands, offering a premium shopping experience to its high-credit-score user base.
Where can I use CRED Wallet money?
You can use CRED Wallet money to pay your credit card bills directly within the CRED app. Additionally, it can be redeemed for curated offers, discounts, and products available through the CRED Store, allowing you to make the most of your rewards and CRED coins.
Can anyone use the CRED app?
No, the CRED app is exclusive to users with a credit score of 750 or above. This ensures a premium, financially responsible user base. Users below this score may be added to a waitlist until they meet the eligibility criteria.
What is CRED Wallet and how does it work?
The CRED Wallet stores rewards earned through timely credit card payments and other CRED activities. Users can redeem wallet balance for paying credit card bills, purchasing curated products, or accessing exclusive offers and discounts within the app.
