Commerce · alternatives · 2026

24 alternatives to Cred

India's most rewarding credit card payment app ever

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Cred launched in 2018; newer entries below may have overtaken it.

1. 1
   CRED 2.0▲10

   Manage credit cards like a pro

   2020 · cred.club · its alternatives →

2. 2
   Debitize▲160

   Credit card perks without credit card debt

   2016 · its alternatives →

3. 3
   PayPing▲273

   All your recurring payments in one place

   Jan 2026 · payping.space · its alternatives →

4. 4
   Apple Card▲536

   A new kind of credit card from Apple

   2019 · apple.com · its alternatives →

5. 5
   Stripe iOS SDK▲392

   Accept both Apple Pay and credit card payments easily on iOS

   2016 · stripe.com · its alternatives →

6. 6
   Card Curator▲98

   Win the credit card rewards, points, and miles game

   2021 · its alternatives →

7. 7
   Coin (iOS)▲283

   One credit card to rule them all

   2014 · apps.apple.com · its alternatives →

8. 8
   Credy▲112

   Credy is a credit line for Indian consumers

   2017 · credy.in · its alternatives →

9. 9
   Finly▲68

   Personalized credit card finder

   2023 · finlywealth.com · its alternatives →

10. 10
    Affirm▲289

    The future of credit, now on your homescreen.

    2017 · affirm.com · its alternatives →

11. 11
    Point▲220

    Banking made rewarding

    2019 · its alternatives →

12. 12
    Tally▲267

    Helping you pay and organize your credit cards

    2017 · lendingclub.com · its alternatives →

13. 13
    AddUp▲73

    Earn maximum credit card rewards while shopping online

    2022 · its alternatives →

14. 14
    Final 2.0▲225

    Credit card that helps tame subscriptions and conquer fraud

    2017 · getfinal.com · its alternatives →

15. 15
    momo▲138

    Get the credit card that gives you the most in rewards

    2022 · its alternatives →

16. 16
    Coin 2.0▲170

    All your credit cards in one. Tap to pay.

    2015 · onlycoin.com · its alternatives →

17. 17
    CardPointers▲68

    Get the most points from your credit cards every day.

    2019 · cardpointers.com · its alternatives →

18. 18
    Rive▲85

    A Credit-on-UPI look-alike payments app

    2022 · its alternatives →

19. 19
    Find Me a Card▲72

    Every credit card reward, quantified

    2021 · findmeacard.com · its alternatives →

20. 20
    ChargeStripe▲88

    Accept credit card payments from your mobile device.

    2019 · chargestripe.com · its alternatives →

21. 21
    Up Credit▲71

    Get detailed credit reports

    2021 · apps.apple.com · its alternatives →

22. 22
    Credyt▲100

    Hey HN! I'm the founder of Credyt (https://credyt.ai). If you're running an AI product that burns $0.50+ per interaction, you need to bill customers as usage happens, not at the end of the month. Otherwise you're a bank for your customers, and you'll run out of money before they do. Why invoice-based billing doesn't work for AI: Most usage-based billing tools (Stripe Billing, Orb, etc.) were built for SaaS. They meter usage all month, then send an invoice. That works fine when your COGS is 5%. It's a disaster when you're paying your AI vendor upfront for every request and your…

    Nov 2025 · credyt.ai · its alternatives →

23. 23
    Transactions for iOS▲87

    A unified inbox for all of your cards, with superpowers

    2022 · apps.apple.com · its alternatives →

24. 24
    RewardTide▲2

    Know the best credit card to use for every purchase

    Mar 2026 · rewards.xtide.io · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →