<ul><li>CRED is one of India’s most debated startups — praised as a fintech innovator and criticized as an unsustainable cash burner. Founded by Kunal Shah, CRED targets India’s top creditworthy consumers (750+ credit scores), rewarding them for paying credit card bills on time.</li><li>While it has built a premium brand and strong user engagement, profitability remains in question. CRED’s path to revenue includes lending (CRED Cash), premium ads, and transaction fees via CRED Pay.</li><li>With access to India’s wealthiest users, CRED aims to become a major fintech player. The next five years will reveal if it’s genius or a bubble.</li></ul>

CRED’s Business Model: Genius or a Bubble Waiting to Burst?

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