CRED vs Happay Expense: which card and rewards app
CRED replies to 98% of unhappy reviews on Google Play, Happay Expense to 55%. Happay Expense does not read your SMS; CRED does. Both can read your contacts. Over the last 90 days of reviews, CRED averages 2.75 and Happay Expense 4.37. The most serious complaint about CRED is "Pushed into things"; about Happay Expense, "Nobody answers".
| CRED | Happay Expense | |
|---|---|---|
| Most serious thing people report | Pushed into things (13 of 400) | Nobody answers (5 of 392) |
| Does anyone answer complaints | 98% of low-star reviews · median 2d | 55% of low-star reviews · median 2d |
| Rating in the last 90 days | 2.75 (down 2.00 on lifetime) | 4.37 (down 0.35 on lifetime) |
| Last updated | this month | this month |
| Reads your SMS | yes | no |
| Reads your contacts | yes | yes |
| Shows ads | no | no |
| Numbers confirmed on a register | 0 of 1 | 0 of 1 |
| Charges we could source | not extracted yet | not extracted yet |
| Charges only in the terms | not extracted yet | not extracted yet |
How to read this
Every row comes from a public source: the app store listings, the reviews people left there, and the registers kept by RBI, SEBI and IRDAI. Where a row says "Not known", we have not measured it yet, which is different from the answer being no. Qrates takes no commission from either app.
Full pages: CRED · Happay Expense