CRED vs SBI Card: which card and rewards app
CRED replies to 98% of unhappy reviews on Google Play, SBI Card to 100%. Both can read your SMS. SBI Card does not read your contacts; CRED does. Over the last 90 days of reviews, CRED averages 2.75 and SBI Card 2.92. The most serious complaint about CRED is "Pushed into things"; about SBI Card, "Nobody answers".
| CRED | SBI Card | |
|---|---|---|
| Most serious thing people report | Pushed into things (13 of 400) | Nobody answers (5 of 398) |
| Does anyone answer complaints | 98% of low-star reviews · median 2d | 100% of low-star reviews · usually same day |
| Rating in the last 90 days | 2.75 (down 2.00 on lifetime) | 2.92 (down 1.64 on lifetime) |
| Last updated | this month | this month |
| Reads your SMS | yes | yes |
| Reads your contacts | yes | no |
| Shows ads | no | no |
| Numbers confirmed on a register | 0 of 1 | 0 of 1 |
| Charges we could source | not extracted yet | 1 as a figure, 2 quoted |
| Charges only in the terms | not extracted yet | 3 |
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.