Salary Guide · India 2026
Premium Indian fintech for credit-card payments + reward platform; expanded into payments, lending, and rent payments. Salary ranges below are sourced primarily from AmbitionBox, with Glassdoor as a secondary cross-check, and reflect total CTC (base + variable + equity) at the 25th–90th percentile of reported offers in India.
Software Engineer · Lead / 10–12 yrs
₹95L – ₹145Ltotal CTC
Salary bands for 26 roles at CRED, from Software Engineer to Sales / Account Executive — see all below.
Working at CRED
Targets India's affluent credit-card-paying segment. Funded; not yet public.
What the interview actually tests
Design + craft bar is exceptionally high. Engineering rounds mid-bar; design rounds extreme-bar. Pushback culture: defending taste with reasoning is expected.
Role
What Software Engineers actually earn at CRED in India, across every experience level.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹12L – ₹33.6L | ESOP₹1.7L – ₹4.7L/yr |
| Mid-level / 3–5 yrs | ₹21.6L – ₹60L | ESOP₹3L – ₹8.4L/yr |
| Senior / 6–9 yrs | ₹42L – ₹114L | ESOP₹5.9L – ₹16L/yr |
| Lead / 10–12 yrs | ₹95L – ₹145L | ESOP₹18L – ₹32L/yr |
CRED Junior SE. Negotiation focus: fixed + joining bonus. Bar exceptionally high at hiring.
Role
Total CTC ranges for Product Managers at CRED India, from fresher to senior level.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹16.8L – ₹38.4L | ESOP₹2.4L – ₹5.4L/yr |
| Mid-level / 3–5 yrs | ₹30L – ₹84L | ESOP₹4.2L – ₹11.8L/yr |
| Senior / 6–9 yrs | ₹54L – ₹156L | ESOP₹7.6L – ₹21.8L/yr |
CRED Junior PM / APM. Negotiation focus: scope + fixed (CRED hires very selective at this level).
Role
CRED's pay bands for UX/Product Designers in India, fresher through senior.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹9.6L – ₹28.8L | ESOP₹1.2L – ₹3.5L/yr |
| Mid-level / 3–5 yrs | ₹19.2L – ₹54L | ESOP₹2.3L – ₹6.5L/yr |
| Senior / 6–9 yrs | ₹33.6L – ₹96L | ESOP₹4L – ₹11.5L/yr |
CRED Junior Designer. Negotiation focus: fixed + portfolio impact (CRED design bar uniquely high).
Role
CRED's pay bands for Data Analysts in India, fresher through senior.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹7.2L – ₹19.2L | ESOP₹0.4L – ₹1.2L/yr |
| Mid-level / 3–5 yrs | ₹12L – ₹33.6L | ESOP₹0.7L – ₹2L/yr |
| Senior / 6–9 yrs | ₹21.6L – ₹60L | ESOP₹1.3L – ₹3.6L/yr |
| Lead / 10–12 yrs | ₹33.6L – ₹61.8L | RSU₹1.4L – ₹3.7L/yr |
CRED Junior Data Analyst. Negotiation focus: fixed (variable small at this level).
Role
What DevOps / SREs actually earn at CRED in India, across every experience level.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹16.8L – ₹29.4L | RSU₹2.1L – ₹5.3L/yr |
| Mid-level / 3–5 yrs | ₹28L – ₹50L | ESOP₹4L – ₹10L/yr |
| Senior / 6–9 yrs | ₹50L – ₹90L | ESOP₹8L – ₹18L/yr |
| Lead / 10–12 yrs | ₹96L – ₹180L | RSU₹11.8L – ₹32.4L/yr |
Negotiation focus: Fixed salary + ESOP strike price + vesting + buyback/liquidity clarity. HR posture: "This is above our current band for the role."
Role
CRED's pay bands for Marketings in India, fresher through senior.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹8.4L – ₹21.6L | ESOP₹0.5L – ₹1.3L/yr |
| Mid-level / 3–5 yrs | ₹16.8L – ₹48L | ESOP₹1L – ₹2.9L/yr |
| Senior / 6–9 yrs | ₹30L – ₹96L | ESOP₹1.8L – ₹5.8L/yr |
| Manager / 12+ yrs | ₹60L – ₹120L | RSU₹1.6L – ₹4.8L/yr |
CRED Junior Growth Marketer. Variable cap matters, pin down realistic OTE.
Role
What ML Engineers actually earn at CRED in India, across every experience level.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹16.8L – ₹29.4L | RSU₹2.1L – ₹5.3L/yr |
| Mid-level / 3–5 yrs | ₹35L – ₹60L | ESOP₹5L – ₹12L/yr |
| Senior / 6–9 yrs | ₹60L – ₹100L | ESOP₹10L – ₹22L/yr |
| Lead / 10–12 yrs | ₹96L – ₹180L | RSU₹11.8L – ₹32.4L/yr |
Negotiation focus: Fixed salary + ESOP strike price + vesting + buyback/liquidity clarity. HR posture: "This is above our current band for the role."
Role
Total CTC ranges for AI Engineers at CRED India, from fresher to senior level.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹16.8L – ₹29.4L | RSU₹2.1L – ₹5.3L/yr |
| Mid-level / 3–5 yrs | ₹33.6L – ₹64.8L | RSU₹4.1L – ₹11.7L/yr |
| Senior / 6–9 yrs | ₹60L – ₹120L | RSU₹7.2L – ₹21.6L/yr |
| Lead / 10–12 yrs | ₹96L – ₹180L | RSU₹11.8L – ₹32.4L/yr |
Negotiation focus: Fixed salary + ESOP strike price + vesting + buyback/liquidity clarity. HR posture: "This is above our current band for the role."
Role
Total CTC ranges for Backend Developers at CRED India, from fresher to senior level.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹12L – ₹22.8L | RSU₹1.2L – ₹3.2L/yr |
| Mid-level / 3–5 yrs | ₹21.6L – ₹40.8L | RSU₹2L – ₹5.7L/yr |
| Senior / 6–9 yrs | ₹42L – ₹78L | RSU₹4L – ₹10.9L/yr |
| Lead / 10–12 yrs | ₹66L – ₹117L | RSU₹6.4L – ₹16.4L/yr |
Negotiation focus: Fixed salary + ESOP strike price + vesting + buyback/liquidity clarity. HR posture: "This is above our current band for the role."
Role
Total CTC ranges for Business Analysts at CRED India, from fresher to senior level.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹7.2L – ₹14.4L | RSU₹0.3L – ₹0.9L/yr |
| Mid-level / 3–5 yrs | ₹14.4L – ₹26.4L | RSU₹0.6L – ₹1.6L/yr |
| Senior / 6–9 yrs | ₹24L – ₹45L | RSU₹1L – ₹2.7L/yr |
| Lead / 10–12 yrs | ₹38.4L – ₹70.2L | RSU₹1.6L – ₹4.2L/yr |
Negotiation focus: Fixed salary + ESOP strike price + vesting + buyback/liquidity clarity. HR posture: "This is above our current band for the role."
Role
Total CTC ranges for Cloud Engineers at CRED India, from fresher to senior level.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹16.8L – ₹29.4L | RSU₹2.1L – ₹5.3L/yr |
| Mid-level / 3–5 yrs | ₹33.6L – ₹64.8L | RSU₹4.1L – ₹11.7L/yr |
| Senior / 6–9 yrs | ₹60L – ₹120L | RSU₹7.2L – ₹21.6L/yr |
| Lead / 10–12 yrs | ₹96L – ₹180L | RSU₹11.8L – ₹32.4L/yr |
Negotiation focus: Fixed salary + ESOP strike price + vesting + buyback/liquidity clarity. HR posture: "This is above our current band for the role."
Role
What Consultants actually earn at CRED in India, across every experience level.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹6L – ₹11.4L | RSU₹0.1L – ₹0.2L/yr |
| Mid-level / 3–5 yrs | ₹12L – ₹22.8L | RSU₹0.1L – ₹0.5L/yr |
| Senior / 6–9 yrs | ₹21.6L – ₹43.8L | RSU₹0.3L – ₹0.9L/yr |
Negotiation focus: Fixed salary + ESOP strike price + vesting + buyback/liquidity clarity. HR posture: "This is above our current band for the role."
Role
CRED's pay bands for Content Writers in India, fresher through senior.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹9.6L – ₹19.2L | RSU₹0.8L – ₹2.3L/yr |
| Mid-level / 3–5 yrs | ₹19.2L – ₹36.6L | RSU₹1.6L – ₹4.4L/yr |
| Senior / 6–9 yrs | ₹33.6L – ₹64.8L | RSU₹2.7L – ₹7.8L/yr |
Negotiation focus: Fixed salary + ESOP strike price + vesting + buyback/liquidity clarity. HR posture: "This is above our current band for the role."
Role
What Customer Success Managers actually earn at CRED in India, across every experience level.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹5.4L – ₹9.9L | RSU₹0.1L – ₹0.2L/yr |
| Mid-level / 3–5 yrs | ₹9.6L – ₹18L | RSU₹0.1L – ₹0.3L/yr |
| Senior / 6–9 yrs | ₹16.8L – ₹31.2L | RSU₹0.2L – ₹0.6L/yr |
| Manager / 12+ yrs | ₹38.4L – ₹70.2L | RSU₹0.6L – ₹1.4L/yr |
Negotiation focus: Fixed salary + ESOP strike price + vesting + buyback/liquidity clarity. HR posture: "This is above our current band for the role."
Role
CRED's pay bands for Cybersecuritys in India, fresher through senior.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹16.8L – ₹29.4L | RSU₹2.1L – ₹5.3L/yr |
| Mid-level / 3–5 yrs | ₹33.6L – ₹64.8L | RSU₹4.1L – ₹11.7L/yr |
| Senior / 6–9 yrs | ₹60L – ₹120L | RSU₹7.2L – ₹21.6L/yr |
| Lead / 10–12 yrs | ₹96L – ₹180L | RSU₹11.8L – ₹32.4L/yr |
Negotiation focus: Fixed salary + ESOP strike price + vesting + buyback/liquidity clarity. HR posture: "This is above our current band for the role."
Role
Total CTC ranges for Data Engineers at CRED India, from fresher to senior level.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹12L – ₹21L | RSU₹1.2L – ₹2.9L/yr |
| Mid-level / 3–5 yrs | ₹24L – ₹48L | RSU₹2.3L – ₹6.7L/yr |
| Senior / 6–9 yrs | ₹42L – ₹87L | RSU₹3.9L – ₹12.2L/yr |
| Lead / 10–12 yrs | ₹66L – ₹129L | RSU₹6.2L – ₹18.1L/yr |
Negotiation focus: Fixed salary + ESOP strike price + vesting + buyback/liquidity clarity. HR posture: "This is above our current band for the role."
Role
What Data Scientists actually earn at CRED in India, across every experience level.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹12L – ₹21L | RSU₹1.2L – ₹2.9L/yr |
| Mid-level / 3–5 yrs | ₹24L – ₹48L | RSU₹2.3L – ₹6.7L/yr |
| Senior / 6–9 yrs | ₹42L – ₹87L | RSU₹3.9L – ₹12.2L/yr |
| Lead / 10–12 yrs | ₹66L – ₹129L | RSU₹6.2L – ₹18.1L/yr |
Negotiation focus: Fixed salary + ESOP strike price + vesting + buyback/liquidity clarity. HR posture: "This is above our current band for the role."
Role
Total CTC ranges for Engineering Managers at CRED India, from fresher to senior level.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹7.2L – ₹14.4L | RSU₹0.3L – ₹0.9L/yr |
| Mid-level / 3–5 yrs | ₹14.4L – ₹26.4L | RSU₹0.6L – ₹1.6L/yr |
| Senior / 6–9 yrs | ₹24L – ₹45L | RSU₹1L – ₹2.7L/yr |
Negotiation focus: Fixed salary + ESOP strike price + vesting + buyback/liquidity clarity. HR posture: "This is above our current band for the role."
Role
CRED's pay bands for Finance Managers in India, fresher through senior.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹7.2L – ₹14.4L | RSU₹0.1L – ₹0.3L/yr |
| Mid-level / 3–5 yrs | ₹14.4L – ₹28.8L | RSU₹0.2L – ₹0.6L/yr |
| Senior / 6–9 yrs | ₹26.4L – ₹52.2L | RSU₹0.3L – ₹1.1L/yr |
Negotiation focus: Fixed salary + ESOP strike price + vesting + buyback/liquidity clarity. HR posture: "This is above our current band for the role."
Role
What Frontend Developers actually earn at CRED in India, across every experience level.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹12L – ₹22.8L | RSU₹1.2L – ₹3.2L/yr |
| Mid-level / 3–5 yrs | ₹21.6L – ₹40.8L | RSU₹2L – ₹5.7L/yr |
| Senior / 6–9 yrs | ₹42L – ₹78L | RSU₹4L – ₹10.9L/yr |
| Lead / 10–12 yrs | ₹66L – ₹117L | RSU₹6.4L – ₹16.4L/yr |
Negotiation focus: Fixed salary + ESOP strike price + vesting + buyback/liquidity clarity. HR posture: "This is above our current band for the role."
Role
Total CTC ranges for HR Managers at CRED India, from fresher to senior level.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹12L – ₹22.8L | RSU₹0.3L – ₹0.9L/yr |
| Senior / 6–9 yrs | ₹21.6L – ₹40.8L | RSU₹0.6L – ₹1.6L/yr |
| Manager / 12+ yrs | ₹54L – ₹99L | RSU₹1.5L – ₹4L/yr |
Negotiation focus: Fixed salary + ESOP strike price + vesting + buyback/liquidity clarity. HR posture: "This is above our current band for the role."
Role
What Legal Counsels actually earn at CRED in India, across every experience level.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹7.2L – ₹14.4L | RSU₹0.1L – ₹0.3L/yr |
| Mid-level / 3–5 yrs | ₹14.4L – ₹28.8L | RSU₹0.2L – ₹0.6L/yr |
| Senior / 6–9 yrs | ₹26.4L – ₹52.2L | RSU₹0.3L – ₹1.1L/yr |
| Lead / 10–12 yrs | ₹42L – ₹81L | RSU₹0.5L – ₹1.6L/yr |
Negotiation focus: Fixed salary + ESOP strike price + vesting + buyback/liquidity clarity. HR posture: "This is above our current band for the role."
Role
What Operations Managers actually earn at CRED in India, across every experience level.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹9.6L – ₹16.8L | RSU₹0.1L – ₹0.4L/yr |
| Mid-level / 3–5 yrs | ₹16.8L – ₹32.4L | RSU₹0.2L – ₹0.7L/yr |
| Senior / 6–9 yrs | ₹30L – ₹60L | RSU₹0.4L – ₹1.2L/yr |
| Manager / 12+ yrs | ₹66L – ₹129L | RSU₹0.9L – ₹2.6L/yr |
Negotiation focus: Fixed salary + variable payout + city/region/team scope + allowances. HR posture: "This is above our current band for the role."
Role
Total CTC ranges for Program Managers at CRED India, from fresher to senior level.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹16.8L – ₹27.6L | RSU₹1.7L – ₹3.9L/yr |
| Mid-level / 3–5 yrs | ₹30L – ₹57L | RSU₹2.9L – ₹8L/yr |
| Senior / 6–9 yrs | ₹54L – ₹105L | RSU₹5.1L – ₹14.7L/yr |
| Manager / 12+ yrs | ₹114L – ₹207L | RSU₹11L – ₹29L/yr |
Negotiation focus: Fixed salary + ESOP strike price + vesting + buyback/liquidity clarity. HR posture: "This is above our current band for the role."
Role
Total CTC ranges for QA Engineers at CRED India, from fresher to senior level.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹7.2L – ₹14.4L | RSU₹0.3L – ₹0.9L/yr |
| Mid-level / 3–5 yrs | ₹14.4L – ₹26.4L | RSU₹0.6L – ₹1.6L/yr |
| Senior / 6–9 yrs | ₹24L – ₹45L | RSU₹1L – ₹2.7L/yr |
| Lead / 10–12 yrs | ₹38.4L – ₹70.2L | RSU₹1.6L – ₹4.2L/yr |
Negotiation focus: Fixed salary + ESOP strike price + vesting + buyback/liquidity clarity. HR posture: "This is above our current band for the role."
Role
CRED's pay bands for Sales / Account Executives in India, fresher through senior.
| Experience Level | Total CTC (LPA) | Equity |
|---|---|---|
| Fresher / 0–2 yrs | ₹8.4L – ₹15L | RSU₹0.2L – ₹0.6L/yr |
| Mid-level / 3–5 yrs | ₹16.8L – ₹32.4L | RSU₹0.5L – ₹1.3L/yr |
| Senior / 6–9 yrs | ₹30L – ₹63L | RSU₹0.8L – ₹2.5L/yr |
| Manager / 12+ yrs | ₹84L – ₹174L | RSU₹2.2L – ₹7L/yr |
Negotiation focus: Fixed salary + OTE realism + quota attainment + accelerator terms. HR posture: "This role is incentive-heavy; fixed salary has limited flexibility."
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